64507 Homes under $200,000

Welcome to the vibrant community of St. Joseph, Missouri, nestled in the heart of Buchanan County. The 64507 zip code is a hidden gem that offers an ideal blend of small-town charm and modern convenience. Known for its rich history and friendly atmosphere, St. Joseph is a place where you can truly feel at home.

For those seeking affordable housing options, the 64507 area boasts an impressive selection of homes priced under $200,000. This makes it an excellent choice for first-time homebuyers, families, and anyone looking to invest in a welcoming community without breaking the bank. From cozy bungalows to spacious family homes, there’s something for everyone in this price range.

St. Joseph offers a variety of amenities that enhance the quality of life for its residents. Enjoy leisurely strolls along the Missouri River, explore the vibrant downtown area with its eclectic shops and delightful eateries, or immerse yourself in the local culture at one of the many museums and galleries. Outdoor enthusiasts will appreciate the nearby parks and recreational facilities, perfect for family outings or a peaceful escape into nature.

With a strong sense of community, excellent schools, and a low cost of living, the 64507 zip code is not just a place to live, but a place to thrive. Whether you’re looking to settle down or start fresh, St. Joseph’s affordable housing options make it an attractive destination for anyone seeking a new home. Come discover the charm of St. Joseph, where your dream home awaits!

Newest 64507 Homes under $200,000

$180,000

3 Beds ⋅ 1 Baths

Wonderful home located in the heart of town. Owner has loved this home for over 60 years and is ready for the next journey. This property features a main floor living room, family room and dining room along with a spacious kitchen with plenty of storage. Also on the main floor you will find a full bath and laundry room. Upstairs are three large bedrooms with nice closet space. Backyard is fenced and has an amazing 24x24 detached garage. Roof, HVAC and most of the windows are newer as well. Give this property a look and you will be glad you did!

3305 Sacramento Street, St Joseph

Listing courtesy of Scott Hudson of REECENICHOLS-IDE CAPITAL.

$190,000

3 Beds ⋅ 1 Baths

The classic ranch home design of this single-family property presents an inviting exterior highlighted by aluminum siding, a shingle roof, and a private entrance. Screen doors lead into the structured layout, which spans nine hundred twenty-five square feet of living space on a single story. Inside, the residence features luxury vinyl plank flooring, ceiling fans, and new paint throughout. The kitchen is equipped with a refrigerator, a gas range, a cooktop, and a dishwasher, complemented by shaker cabinets and tile backsplashes. Three bedrooms provide versatile spaces featuring luxury vinyl plank flooring oversized closets. Outside, the property includes a detached garage with aluminum siding, shingle roof, and concrete flooring, accessible via a concrete driveway. The chain link fence encloses a portion of the yard, which features a sloping grassy area shaded by mature trees.

3416 Jackson Street, St Joseph

Listing courtesy of Jim McMillian of Coldwell Banker General Property.

$129,500

5 Beds ⋅ 1 Baths

NEW items! Roof, HVAC, water heater & WINDOWS! That's right folks... the MAJOR ticket items are done! Come jazz up the inside to make it exactly how you like! 3 main floor bedrooms, 2 upper bedrooms, main floor laundry, large living room, formal dining room, eat in kitchen, fenced yard, detached garage/storage + wrap around porch! You will love the space this one offers!

2426 Lafayette Street, St Joseph

Listing courtesy of Agent Jo Pruitt of Weichert REALTORS® - Generations.

$98,000

3 Beds ⋅ 1 Baths

1321 S 17th Street, St Joseph

Listing courtesy of Said Zouitni of EXP Realty LLC.

$124,900

3 Beds ⋅ 1 Baths

Welcome to 3122 Penn Street, a cozy, character-rich 1.5-story home offering fantastic layout flexibility and classic charm in the heart of St. Joseph. Featuring 3 bedrooms, 1 bathroom, and over 1,000 sq. ft. of comfortable living space, this property is ideal for first-time buyers, downsizers, or savvy investors adding to their portfolio. Property Highlights: Spacious Layout: 1,026 sq. ft. including main-floor living areas plus a finished attic setup—perfect for a private 3rd bedroom, home office, or bonus room. Classic Details: Features a combination of rich, natural woodwork and white painted trim throughout and neutral wall tones ready for your personal touch. Eats & Entertaining: A bright, spacious eat-in kitchen with plenty of cabinet room and functional flow. Convenient Extras: Main floor laundry room, back mudroom area, off-street parking, and a clean basement for extra storage needs. Lot & Location: Situated on a generous 0.16-acre (6,969 sq. ft.) lot with a manageable yard. Centrally located near local amenities, parks, and quick access around town.

3122 Penn Street, St Joseph

Listing courtesy of Dan MCCHRISTY of UNITED COUNTRY PROPERTY SOLUTI.

$159,900

3 Beds ⋅ 2 Baths

This 3-bedroom, 2-bath home combines one-level living with updates throughout and plenty of space inside and out. Completely remodeled during prior ownership, the home features stainless steel appliances and an updated interior. Outside, you'll find a private yard, off-street parking and a detached 2-car garage with alley access. The home is also close to area schools and the St. Joseph Parkway system, with parks and trails nearby.

2718 Mary Street, St Joseph

Listing courtesy of Julie Hesselmann of Realty ONE Group Cornerstone.

$133,000

2 Beds ⋅ 1 Baths

Charming, well-maintained one-story home in a quiet Midtown neighborhood! This inviting two-bedroom, one-bath home blends the character of vintage hardwood floors with contemporary touches for a comfortable, move-in-ready feel. Enjoy a low-maintenance yard, detached garage, and dry basement offering plenty of additional storage. Conveniently located near the Belt Highway, with shopping, dining, and everyday amenities just minutes away. Whether you're looking for an affordable starter home or a solid addition to your investment portfolio, this one is worth a look!

3210 Seneca Street, St Joseph

Listing courtesy of Joshua Johnson of BHHS Stein & Summers Real Estate.

$132,900

3 Beds ⋅ 2 Baths

Welcome home! This recently remodeled two-story home offers three bedrooms and two full bathrooms, providing plenty of room for a growing family, guests, or a dedicated home office. Located on a quiet block just minutes from the Belt Highway, this home combines the comfort of a residential neighborhood with convenient access to shopping, restaurants, groceries, schools, and everyday amenities. Inside, you'll find a refreshed and inviting layout with comfortable living spaces and three bedrooms upstairs. The home also features two full bathrooms, including an upstairs bath with a shower and a main-level bathroom with a bathtub. The rear mudroom is a practical bonus, providing a convenient space for coats, shoes, backpacks, and everyday clutter, along with laundry connections. A large unfinished basement provides abundant storage. With recent remodeling, three bedrooms, two full bathrooms, and a convenient location close to local shopping and dining, this home offers the space and flexibility you're looking for in a home.

3510 Seneca Street, St Joseph

Listing courtesy of Joshua Johnson of BHHS Stein & Summers Real Estate.

$185,000

3 Beds ⋅ 1 Baths

This 3 bedroom, 1 bath property is a must-see! The outdoor space alone includes a beautiful front yard, large fenced-in backyard area with patio, shed, and a Hot Springs Spa. Step inside to a newly remodeled kitchen with dining space, a spacious living area, and a welcoming bay window. Continue upstairs to the 3 bedrooms and bathroom, then to the lower level for an additional room for storage space and another living area. Walkout to the patio from the lower living area allows for easy access to the backyard. The attached garage and driveway offer off-street parking for multiple vehicles. Brand new high-efficiency AC unit installed 9/4! Schedule your showing today!

3509 Jackson Street, St Joseph

Listing courtesy of Kali Maloney of Top Line Realty LLC.

$185,000

3 Beds ⋅ 1 Baths

1906 S 22nd Street, St Joseph

Listing courtesy of Sandy BLUM of RE/MAX PROFESSIONALS.

$146,000

4 Beds ⋅ 2 Baths

Down the street from Bartlett Park, this as-is investor's dream is waiting for you to unlock its potential! With 4 spacious bedrooms and 2 bathrooms, this home has room for everyone! Located on a quiet street, this beauty needs some TLC to bring it back to life!

2806 Duncan Street, St Joseph

Listing courtesy of Kelsea Arevalos of Keller Williams KC North.

$92,800

3 Beds ⋅ 1 Baths

Bring your vision to this exciting value-add opportunity in one of Midtown's most desirable neighborhoods. This spacious three-bedroom, one-bathroom home offers the perfect canvas for an investor or renovator ready to unlock its full potential. A complete remodel is needed, but the opportunity to build significant equity and realize a strong after-repair value makes this a project worth pursuing. With its sought-after location and solid footprint, this home is ready to be transformed into a standout property. This property is being offered as part of a larger investment portfolio, creating the opportunity to acquire multiple income-producing and value-add properties as a package.

2902 Lafayette Street, St Joseph

Listing courtesy of Joshua Johnson of BHHS Stein & Summers Real Estate.

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