Ranch home in Saint Joseph, MO
A Ranch home in Saint Joseph, MO, it offers 3 bedrooms and 2 bathrooms across 1,040 square feet. It sits within the greater St. Louis, MO area.
| Price | $189,999 |
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| Beds | 3 |
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| Baths | 2 |
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| Sqft | 1040 |
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| Architectural style | Ranch (77% match) |
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| Address | 2002 S 28th St, Saint Joseph, MO 64507 |
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Why buy this home
- Confirmed Ranch architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Trulia.
Is this a good buy?
Priced below comparable homes.
- At $190K, this home is 31% below the $275K median for 717 similar Ranch homes in St. Louis, MO.
- That works out to $183 per square foot, 7% above the $171 comparable rate.
- On the market 14 days.
| This home | $189,999 |
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| Ranch median in St. Louis, MO | $274,900 (717 homes) |
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| Price per sq ft | $183 vs. $171 comps median |
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Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $1,265/month with 20% down at a 7.28% 30-year fixed rate. You would need about $54,207 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $1,040/mo |
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| Property tax (new-buyer reassessed rate) | $154/mo |
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| Homeowners insurance | $71/mo |
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| Total monthly | $1,265/mo |
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| Down payment (20%) | $38,000 |
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| Income needed | $54,207/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home D (49 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | D (49/100) |
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| Beats renting in | 5% of modeled paths |
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| Modeled 5-yr equity (median) | $72,410 |
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| Range (10th to 90th pct) | $37,990 to $111,498 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward St. Louis, MO where local data is thin.
Local home values
Typical home values in St. Louis, MO have risen about 24% over the past 5 years (+3% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Trulia