Market Overview
Home Prices in Saint Jo, TX
The median home value in Saint Jo, TX is $268,083 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.2% compared to a year ago and down 6.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Saint Jo are priced35% below average. Saint Jo is part of the Gainesville, TX metro area.
Over the past five years, Saint Jo home values have fallen by approximately2.8%, reflecting softening conditions in this market.
Price History
Saint Jo Home Price Trend
City Comparison
Saint Jo vs. National Median
At $268,083, homes in Saint Jo cost 35% below the national median of $410,000. This makes Saint Jo a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Saint Jo?
20% Down Payment
$53,617
on $268,083
Monthly P&I
$1,398/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,775/mo
incl. taxes & insurance
Income Needed
$71,000
gross annual (30% rule)
10% Down Option
$26,808
+ PMI applies
Loan Amount (20% dn)
$214,466
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Saint Jo, TX?
The median home value in Saint Jo is $268,083 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.2% year-over-year.
How much have home prices changed in Saint Jo?
Over the past year, home values in Saint Jo have decreased by 1.2%. Over five years, prices have fallen approximately 2.8%.
How much do I need to earn to buy a home in Saint Jo?
To comfortably afford the median home price of $268,083 with a 20% down payment ($53,617) at today's rates (6.8%), you'd need a gross annual income of approximately $71,000. This assumes keeping total housing costs at or below 30% of gross income.
How does Saint Jo compare to the national average home price?
The national median home value is approximately $410,000. At $268,083, homes in Saint Jo are 35% below the national average.
What metro area is Saint Jo part of?
Saint Jo is part of the Gainesville, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.