Saint Joseph, MO Airbnb Market Data, Statistics, and Occupancy Rates

As of Apr, 27 2026

Rabbu ROI Score

60 / 100

Saint Joseph offers attractive short-term rental potential, with a balance of healthy demand and revenue relative to property values.

Saint Joseph Short-Term Rental Market Overview

Saint Joseph, MO presents an attractive entry point for short-term rental investors, with average home values around $289,831 — well below the state average — and a market-wide average annual revenue of $17,702. The ADR of $118 sits at roughly half Missouri's state average, yet the relatively low acquisition costs help maintain a reasonable revenue-to-price ratio. With 65 active listings and notable year-over-year listing growth of 241%, this smaller Midwestern market is quickly drawing investor attention, though occupancy at 28% signals that strategic pricing and property selection will be essential.

Key Market Statistics

According to Rabbu market data, the Saint Joseph short-term rental market shows:

Key Airbnb and short-term rental market statistics.
Metric Context Value
Active Airbnb Listings As of Apr, 27 2026 65
Average Daily Rate (ADR) vs. $240 state avg. $118
Average Occupancy Rate vs. 28% state avg. 28%
RevPAN ADR * Occupancy Rate $33
Average Monthly Revenue Historical 12-month average $1,475
Average Annual Revenue Historical 12-month average $17,702

Data sources: Rabbu proprietary analytics as of Apr, 27 2026 and Zillow Home Value Index (ZHVI) as of Mar, 17 2026.

Why Investors Consider Saint Joseph

Investors are drawn to Saint Joseph for its low property costs relative to revenue potential and an emerging STR market with room to grow.

Key investment factors

  • Average home values under $290K create a low barrier to entry compared to many Missouri markets
  • 4-bedroom properties generate the highest RevPAN at $62, offering strong per-night yield for larger units
  • Above-average market growth trend indicates rising traveler demand and expanding opportunity
  • Workspace and self check-in amenities in 69% of listings suggest a mix of remote-worker and leisure demand
  • Revenue peaks from May through December provide roughly eight months of stronger cash flow

Expert Market Assessment

"Saint Joseph earns an ROI score of 60 out of 100, placing it in the "Attractive Opportunity" tier — a market where healthy demand and modest property prices combine to create viable investment conditions. The seasonal revenue curve is pronounced: winter months like February dip to around $792, while August climbs to $2,046, giving investors a spread of over $1,200 between the softest and strongest months. Larger properties — particularly 4-bedrooms — stand out with average annual revenue near $31,968 and the highest occupancy rate at 35%, suggesting that group-friendly homes capture disproportionate demand. The supply-demand balance currently sits below average, so investors should pay close attention to listing growth rates to ensure the market doesn't become oversaturated."

— Rabbu Market Analysis Team

Understanding Saint Joseph's ROI Score: 60/100

Rabbu's ROI Score is a proprietary metric that evaluates short-term rental investment potential based on multiple factors.

How the ROI Score is Calculated

Factor Saint Joseph Performance Weight
Revenue-to-Price Ratio Average 40%
Occupancy Stability Average 30%
Market Growth Trend Above average 15%
Supply/Demand Balance Below average 15%

What This Means for Investors

Saint Joseph's ROI score of 60 out of 100 places it in the "Attractive Opportunity" band, reflecting a balanced but not exceptional investment profile. The revenue-to-price ratio and occupancy stability both land at average levels, while the market growth trend is above average — suggesting momentum that could improve returns over time. The below-average supply-demand balance warrants caution, so pairing this data with thorough local regulatory research and careful property selection will be key to maximizing returns.

Short-Term Rental Regulations in Saint Joseph

Understanding local STR regulations is essential before investing in Saint Joseph. Here's the current regulatory landscape:

Permit Requirements

Operators in Saint Joseph, Missouri may be required to obtain a short-term rental permit or business license before listing a property. Investors should verify current requirements directly with the City of Saint Joseph and Buchanan County, as local regulations can evolve.

Key Restrictions

Common STR restrictions in markets like Saint Joseph can include occupancy limits, minimum-stay requirements, noise ordinances, parking mandates, and rules set by homeowner associations. Investors should also check whether permit caps or zoning-based restrictions apply to their target neighborhood.

Tax Obligations

Short-term rental hosts in Missouri are generally subject to state and local sales taxes, along with any applicable transient guest or tourism taxes. Many booking platforms collect and remit these taxes automatically, but hosts should confirm their specific obligations with a local tax professional.

Regulations subject to change. Always verify with local authorities before purchasing. A Rabbu partner agent specializing in Saint Joseph can provide current regulatory guidance.

Short-Term Rental Financing for Saint Joseph

Financing an Airbnb investment in Saint Joseph requires lenders who understand STR income. Rabbu partner lenders offer:

  • DSCR Loans: Qualify based on property income, not personal income
  • Low Down Payment: As low as 10–15% for investment properties
  • Fast Closing: 21–30 day average close times
  • STR Experience: Lenders who understand vacation rental underwriting
Connect with a Saint Joseph Lender →

Future Outlook & Long-Term Forecast

"Over the next 12–18 months, Saint Joseph's above-average market growth trend suggests continued expansion in both supply and traveler interest. Seasonal revenue data shows strong summer-through-fall performance, with August peaking near $2,046 in average monthly revenue, which could push ADRs up 2–4% as demand firms. Occupancy rates will likely hover in the 26–35% range depending on property size, though investors who target larger units and optimize for off-season bookings may outperform the market average. These estimates assume current demand drivers persist, and investors should monitor how rapid supply growth affects pricing power."

— Rabbu Market Analysis Team

Frequently asked questions about Airbnb in Saint Joseph, MO

What is the average Airbnb occupancy rate in Saint Joseph?
The average Airbnb occupancy rate in Saint Joseph is currently 28%, which matches Missouri's state average. Occupancy varies by property size: 1-bedroom listings average 33%, 2- and 3-bedrooms hover around 26%, and 4-bedroom properties lead at 35%. Investors targeting larger homes may benefit from more consistent bookings.
How much do Airbnb hosts make in Saint Joseph?
Airbnb hosts in Saint Joseph earn an average of $1,475 per month and approximately $17,702 per year based on trailing 12-month performance. Revenue scales with property size — 1-bedroom units average $12,463 annually while 4-bedroom properties bring in roughly $31,968 per year. Individual results depend on pricing strategy, property quality, and operational management.
Is Saint Joseph a good market for Airbnb investment?
Saint Joseph scores 60 out of 100 on Rabbu's ROI Score, rated as an "Attractive Opportunity." The market benefits from low average home values near $289,831, an above-average growth trend, and solid revenue-to-price fundamentals. However, the supply-demand balance is currently below average, so investors should carefully evaluate their property type and positioning to stand out.
What is the average daily rate (ADR) for Airbnb in Saint Joseph?
The average daily rate across all Saint Joseph listings is $118, compared to Missouri's state average of $240. ADR scales with property size: 1-bedrooms average $87, 2-bedrooms $113, 3-bedrooms $151, and 4-bedrooms command the highest rate at $178 per night.
Are short-term rentals legal in Saint Joseph?
Short-term rentals generally operate in Saint Joseph, MO, though hosts may need to obtain permits or business licenses. Regulations can include zoning restrictions, occupancy limits, and tax registration requirements. Investors should check directly with the City of Saint Joseph and relevant Buchanan County offices before purchasing a property to ensure full compliance.
When is peak season for Airbnb in Saint Joseph?
Peak season in Saint Joseph runs from roughly May through December, with August delivering the highest average monthly revenue at $2,046. October through December also perform well, with revenues between $1,771 and $1,935. The slowest months are January through April, with February bottoming out at around $792.
How many Airbnbs are there in Saint Joseph?
As of April 2026, there are 65 active Airbnb listings in Saint Joseph. The market has seen significant growth, with a 241% year-over-year increase in active listings. Supply is concentrated in smaller units: 25 one-bedroom and 21 two-bedroom listings make up the majority, while only 5 four-bedroom properties are listed.
How is Airbnb revenue calculated in Saint Joseph?
The annual and monthly revenue figures for Saint Joseph are derived from the trailing 12 months of historical booking performance for active comparable Airbnb listings in the market — they are not forward-looking projections. We average each comparable listing's actual revenue per available night (RevPAN) by month over the past year, remove regional outliers, and roll the results up to a market-level historical average. This approach anchors the figures to what hosts have actually earned recently while naturally reflecting seasonal peaks and slower months, since each month uses its own historical performance data. Individual results can vary based on property quality, pricing strategy, and operational management.

About Rabbu Market Data

Rabbu provides Airbnb and short-term rental market data and statistics across the United States. Our mission is to empower investors with accurate insights and easy-to-use tools, so they can confidently identify and act on the best opportunities in the Airbnb market.

What this data includes

  • Regularly updated active Airbnb and STR listing counts by market
  • Occupancy rate and average daily rate trends across property sizes
  • Revenue and yield metrics including RevPAN, monthly, and annual averages
  • Property value benchmarks sourced from the Zillow Home Value Index
  • Data aggregated from multiple providers and Rabbu proprietary analytics for consistency

Sources and disclaimers

Rabbu proprietary analytics as of Apr, 27 2026 and Zillow Home Value Index (ZHVI) as of Mar, 17 2026. Revenue projections are estimates based on comparable properties and do not guarantee future performance. Data reflects trailing 12-month historical averages and market conditions as of the date noted; actual results may vary. Local regulations, tax requirements, and permit rules are subject to change — investors should verify current rules with municipal authorities before purchasing.

Next Steps

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