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View PropertiesAs of Apr, 27 2026
Rabbu ROI Score
Saint Joseph offers attractive short-term rental potential, with a balance of healthy demand and revenue relative to property values.
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.
According to Rabbu market data, the Saint Joseph short-term rental market shows:
| 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.
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
"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
Saint Joseph's revenue shows strong seasonality, with August topping the chart at $2,046 and February marking the low point at $792 — a spread of over $1,250. The summer-through-holiday corridor from May to December consistently delivers above-average monthly income, giving investors roughly eight months of stronger cash flow.
| Month | Trend | Revenue |
|---|---|---|
| January |
|
$915 |
| February |
|
$792 |
| March |
|
$899 |
| April |
|
$863 |
| May |
|
$1,382 |
| June |
|
$1,722 |
| July |
|
$1,777 |
| August |
|
$2,046 |
| September |
|
$1,699 |
| October |
|
$1,771 |
| November |
|
$1,895 |
| December |
|
$1,935 |
One-bedroom units dominate supply with 25 of 65 total listings, followed by 21 two-bedroom properties. Larger homes are underrepresented — only 5 four-bedroom listings exist — which may signal an opportunity for investors willing to acquire bigger properties in a less competitive segment.
| Size | Trend | Value |
|---|---|---|
| 1 bedroom |
|
25 |
| 2 bedrooms |
|
21 |
| 3 bedrooms |
|
10 |
| 4 bedrooms |
|
5 |
ADR scales predictably from $87 for 1-bedrooms to $178 for 4-bedrooms, roughly doubling across the range. The jump from 2-bedroom ($113) to 3-bedroom ($151) represents the steepest dollar increase, suggesting that the premium guests pay for extra space accelerates at the mid-size tier.
| Size | Trend | Value |
|---|---|---|
| 1 bedroom |
|
$87 |
| 2 bedrooms |
|
$113 |
| 3 bedrooms |
|
$151 |
| 4 bedrooms |
|
$178 |
Four-bedroom properties deliver the strongest RevPAN at $62, more than double the $28–$29 range that 1- and 2-bedroom units generate. Three-bedroom listings sit at $39, making 4-bedrooms the clear standout for revenue efficiency after factoring in occupancy.
| Size | Trend | Value |
|---|---|---|
| 1 bedroom |
|
$28 |
| 2 bedrooms |
|
$29 |
| 3 bedrooms |
|
$39 |
| 4 bedrooms |
|
$62 |
Occupancy is highest for 4-bedroom (35%) and 1-bedroom (33%) properties, while 2- and 3-bedroom units lag at 26%. This suggests that both budget-conscious solo travelers and larger groups drive consistent demand, while mid-sized properties face stiffer competition for bookings.
| Size | Trend | Value |
|---|---|---|
| 1 bedroom |
|
33% |
| 2 bedrooms |
|
26% |
| 3 bedrooms |
|
26% |
| 4 bedrooms |
|
35% |
Monthly revenue climbs steadily with size: 1-bedrooms average $1,038 while 4-bedrooms lead at $2,664 — nearly 2.6 times as much. Even 2-bedroom units at $1,570 outpace the market-wide average of $1,475, underscoring the revenue advantage of adding bedrooms in this market.
| Size | Trend | Value |
|---|---|---|
| 1 bedroom |
|
$1,038 |
| 2 bedrooms |
|
$1,570 |
| 3 bedrooms |
|
$1,928 |
| 4 bedrooms |
|
$2,664 |
Four-bedroom properties in Saint Joseph generate roughly $31,968 per year, the highest among all configurations and more than 2.5 times the $12,463 earned by 1-bedroom listings. With only 5 four-bedroom units currently listed, investors entering this segment face limited competition and the strongest annual revenue potential.
| Size | Trend | Value |
|---|---|---|
| 1 bedroom |
|
$12,463 |
| 2 bedrooms |
|
$18,847 |
| 3 bedrooms |
|
$23,145 |
| 4 bedrooms |
|
$31,968 |
Parking is universal at 100% of listings, and kitchens appear in 94%, reflecting the home-like, self-service experience guests expect in this market. Workspace availability at 69% — alongside self check-in at the same rate — suggests a notable share of remote workers or business travelers, while outdoor amenities like backyards (66%) and patios (59%) cater to leisure guests.
| Amenity | Trend | Value |
|---|---|---|
| Parking |
|
100% |
| Kitchen |
|
94% |
| Washer |
|
71% |
| Dryer |
|
69% |
| Self Check-in |
|
69% |
| Workspace |
|
69% |
| Backyard |
|
66% |
| Patio or Balcony |
|
59% |
| Outdoor Furniture |
|
42% |
| BBQ Grill |
|
40% |
| Pets |
|
35% |
| Waterfront |
|
12% |
| Gym |
|
5% |
| Hot Tub |
|
5% |
Rabbu's ROI Score is a proprietary metric that evaluates short-term rental investment potential based on multiple factors.
| 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% |
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.
Understanding local STR regulations is essential before investing in Saint Joseph. Here's the current regulatory landscape:
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.
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.
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.
Financing an Airbnb investment in Saint Joseph requires lenders who understand STR income. Rabbu partner lenders offer:
"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
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.
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.
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