64505 Homes under $200,000

Welcome to the charming zip code 64505, nestled in the heart of St. Joseph, Missouri! This vibrant community in Buchanan County offers a delightful blend of historical charm and modern conveniences, making it an ideal place to call home.

St. Joseph is known for its rich history, having been a key starting point for the Pony Express and a bustling hub during the westward expansion. Today, 64505 boasts a friendly atmosphere, where neighbors become friends, and community spirit thrives. Residents enjoy easy access to local parks, schools, and a variety of dining and shopping options, ensuring that everything you need is just a stone's throw away.

For those seeking affordable housing options, the 64505 area presents an excellent opportunity with homes priced under $200,000. This affordability doesn't mean compromising on quality; you'll find a diverse selection of charming properties, from cozy bungalows to spacious family homes. Whether you're a first-time homebuyer, looking to downsize, or seeking an investment property, this zip code has something to suit every need and budget.

Imagine coming home to a welcoming neighborhood where you can enjoy leisurely strolls, community events, and the warmth of small-town living. With its affordable housing market, 64505 is not just a place to live; it’s a place to thrive. Don’t miss your chance to explore the wonderful homes available in this delightful St. Joseph community—your dream home awaits!

Newest 64505 Homes under $200,000

$195,000

4 Beds ⋅ 2 Baths

Welcome home to this beautifully remodeled property, where modern updates meet timeless charm! Featuring a complete remodel with an eye-pleasing, cohesive color palette throughout, this home is sure to impress. The inviting living room showcases a stylish accent wall, while the thoughtfully updated kitchen and bathrooms offer both beauty and functionality. Enjoy the convenience of main-floor laundry, an additional non-conforming bedroom, and plenty of flexible living space. Outside, you'll find brand-new siding, a freshly updated covered front porch, and low-maintenance landscaping that adds to the home's curb appeal. Additional highlights include a carport and an attached outdoor storage space, perfect for lawn equipment and seasonal essentials. With so many updates already completed, this move-in-ready home is ready for its next owner!

1410 N 2nd Street, St Joseph

Listing courtesy of Vickie Wheeler of Randolph Realty Group.

$122,000

2 Beds ⋅ 1 Baths

Beautifully cared for and full of charm, this home at 703 McDonald Street features stunning hardwood floors and the convenience of main-level living. Pride of ownership shines throughout, with thoughtful maintenance and a brand-new furnace installed in October 2026. Though situated on a hill, the home also offers a practical entry option: ground-level access into the basement through the garage, with interior stairs leading to the main living area. Whether bringing in groceries or coming home on a rainy day, this connected entrance adds everyday convenience. Classic character, practical features and being well maintained make this home just as comfortable as it is charming!

703 McDonald Street, St Joseph

Listing courtesy of Karrissa Colvin of RE/MAX PROFESSIONALS.

$110,000

3 Beds ⋅ 1 Baths

Charming bungalow in the heart of north st Joe! Enjoy original hardwoods alongside original character and charm within. Large eat in kitchen with extra spacious dining and living area. Newer windows, kitchen cabinets and kitchen flooring. Private parking in large garage in enclosed backyard. Defined spaces but open and airy! Seller is actively working to finish up kitchen and painting but will sell as is with a fair offer!

2002 N 3rd Street, St Joseph

Listing courtesy of Elisabeth Peter of Top Line Realty LLC.

$154,900

3 Beds ⋅ 1 Baths

Welcome to this charming 3 bed, 1 bath home resting on a desirable corner lot. Lovingly cared for by the same family for the past 40 years, this home has been well maintained and ready for its next chapter. The main floor features a nice sized living room as you enter the home and dining room just off the kitchen. One of the bedrooms and the full bathroom are also conveniently located on the main level. Along with 2 bedrooms upstairs, there’s also a bonus room that can be utilized as a playroom, office, non-conforming 4th bedroom or hobby space. Several important updates have been taken care of, including updated plumbing and electrical, newer HVAC, roof replaced within the last 10 years, as well as new gutters and water heater. The home’s long history of careful ownership gives you a solid foundation to build upon. With some cosmetic touches you can add your personal vision while enjoying the charm, layout and solid maintenance this home already offers. A corner lot setting, flexible bonus space, and a long history of being well cared for make this a wonderful opportunity to create a home that feels uniquely yours! Schedule a showing today!

1813 Clifford Street, St Joseph

Listing courtesy of Angie Ziolkowski of Coldwell Banker General Property.

$152,200

3 Beds ⋅ 1 Baths

Welcome home to easy, comfortable main-floor living! This inviting 3-bedroom, 1-bath home features an open-concept layout that creates a warm, spacious feel and makes everyday living and entertaining a breeze. Enjoy relaxing in the screened-in back porch while taking in the peaceful setting, with the property backing up to a wooded lot for added privacy. Whether you're looking for a comfortable place to call home or a quiet retreat from the everyday hustle, this property offers a wonderful combination of convenience, functionality, and privacy. Come see all this charming home has to offer!

217 W Market Street, St Joseph

Listing courtesy of MICHELLE SCHAUP of The St.Joe Real Estate Group,.

$134,000

2 Beds ⋅ 1 Baths

Completely remodeled and move-in ready! This beautifully updated home features all-new finishes throughout, including brand-new kitchen appliances. Enjoy almost maintenance-free living with your practically brand-new home. 2 bedrooms 1 full bathroom Open Dining area/Living Area Main-floor laundry Everything is brand new and ready for its new owner! This includes a brand-new roof, HVAC System, Electrical and Plumbing. Schedule your showings soon!

2620 St. Joseph Avenue, St Joseph

Listing courtesy of Melissa Winn of Top Property Realty, LLC.

$135,000

2 Beds ⋅ 1 Baths

Looking for a little breathing room? This 2-bedroom, 1-bath home sits on a generous lot in a quiet, secluded corner of town, offering the kind of privacy that's hard to find without leaving the city behind. Inside, fresh paint throughout gives the home a clean, move-in-ready feel. A dedicated dining room makes space for everything from weeknight dinners to holiday gatherings, and two comfortable bedrooms offer flexibility for guests, a home office, or a hobby room. Need more room? The unfinished basement provides additional storage. Outside, the large lot is ready for your vision, whether that's a garden, a play area, a firepit for summer evenings, or simply room to spread out. A garage offers convenient parking plus extra space for tools, yard equipment, or weekend projects. The peaceful setting feels like a retreat, yet you're still close to everything town has to offer. Whether you're a first-time buyer, downsizing, or looking for a low-maintenance investment, this one is worth a look. Schedule your showing today!

2403 N 2nd Street, St Joseph

Listing courtesy of Stacey Sharp of BHHS Stein & Summers Real Estate.

$159,900

2 Beds ⋅ 1 Baths

Welcome home to this well-cared-for 2-bedroom, 1-bath bungalow on the Northside of St. Joseph. With 988 finished square feet, the home offers a comfortable layout with an oversized living/dining room and a large laundry/mudroom. The home was completely updated prior to the current owners purchasing it and has continued to be well maintained. The kitchen offers plenty of cabinet space along with stainless steel appliances. Outside, you'll find a fenced backyard with a deck, two storage sheds, and off-street parking accessible from the alley. A covered front porch adds to the charm and gives you another place to enjoy the outdoors. With its updates, character, and easy-to-maintain size, this home is move-in ready and worth a look!

1007 Randolph Street, St Joseph

Listing courtesy of Julie Hesselmann of Realty ONE Group Cornerstone.

$70,000

2 Beds ⋅ 1 Baths

This beautiful bungalow that features a wonderful front porch and back deck offers level living with two bedrooms, fresh new paint and brand new carpet. Great layout with low maintenance living. Excellent detached garage for your convenience. New water heater and much more. Schedule your showing today. This home is ready for its next chapter!

3115 N 10th Street, St Joseph

Listing courtesy of Edney Banos of BHHS Stein & Summers Real Estate.

$129,900

3 Beds ⋅ 1 Baths

VERY NICE RANCH 3 BED 1 BATH SOME NEWER WINDOWS PAINT FLOOR COVERINGS.. GREAT STARTER HOME. CENTRAL AIR AND HEAT. DETACHED 24/30 GARAGE OFF STREET PARKING

2600 N 2nd Street, St Joseph

Listing courtesy of Gregg Lowrance of UNITED COUNTRY PROPERTY SOLUTI.

$149,000

3 Beds ⋅ 1 Baths

This charming 3-bedroom, 1-bath home has been thoughtfully updated throughout and is move-in ready. Recent improvements include 2 new window A/C units, a new air/heat mini-split system with remote, new lighted doorbell, new mini blinds, and new vinyl flooring in the kitchen, dining room, and bathroom. The interior features fresh paint throughout, and the carpets were professionally steam cleaned on 8/29/26. Exterior upgrades include new fencing on the side and front of the home and new porch railings. The property also offers a 2-car garage, two Ring cameras (front and back), and a patio deck table with six chairs. All appliances stay, including the washer, dryer, stove, and refrigerator. Additional items staying with the home: four bar stools and two fire extinguishers. Home is being sold as-is, and inspections are welcome.

1506 6th Avenue, St Joseph

Listing courtesy of Tammy RIVERA of BHHS Stein & Summers Real Estate.

$50,000

1 Beds ⋅ 1 Baths

This 574 square foot residential property presents a great opportunity for anyone looking for a project with potential. The home is being sold as-is and is not move-in ready, offering the opportunity to renovate, update, and add value. With its manageable size, this property could be an excellent option for anyone looking for a project or the opportunity to create a home tailored to their vision. Bring your ideas and explore the possibilities this property has to offer.

3024 Saint Joseph Avenue, St Joseph

Listing courtesy of Booker Vonfischbach of REECENICHOLS-IDE CAPITAL.

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