IncomeBy County

St. Joseph County, Indiana

Income Data

U.S. Census Bureau ACS
-6% vs. Indiana average
$64,885
Median Household Income
$35,714
Per Capita Income

At a Glance

Median Household Income
$64,885
-6% vs. state avg
Per Capita Income
$35,714
-9% vs. national
Income-to-Housing Ratio
36.1%
income as % of home value
Rank in Indiana
#54 / 92
by median household income

Economic Indicators

Unemployment Rate
N/A
Labor Force Participation
N/A

How St. Joseph County Compares

St. Joseph County$64,885
Indiana Average$68,681
National Median$74,755

Detailed Income Statistics

$64,885
Median Household Income
$35,714
Per Capita Income
$179,800
Median Home Value
36.1%
Income-to-Housing Ratio

Income Advisory: St. Joseph County

Income Verdict

St. Joseph County has a median household income of $64,885 and per capita income of $35,714 — a gap of $29,171, suggesting a typical mix of dual-income and single-earner households.

Housing Affordability

With median gross rent at $1,030/month and a median household income of $64,885, rent consumes approximately 19.0% of monthly income — well within affordable thresholds.

Economic Context

With a median household income of $64,885, residents of St. Joseph County likely face budget constraints in higher-cost regions but may find cost of living manageable locally. Per capita income of $35,714 is in line with national norms for individual earners.

Neighbor Context

St. Joseph County earns approximately 5.5% below the Indiana state median household income of $68,681.

Data Story

About Household Income in St. Joseph County, Indiana

St. Joseph lags national income average

St. Joseph County's median household income of $64,885 trails the national median of $74,755 by nearly $10,000. This income gap reflects broader economic pressures facing mid-sized industrial counties in the Midwest, though residents still earn comfortably above poverty levels.

Below Indiana's median

St. Joseph County ranks in the lower-middle tier of Indiana counties with a $64,885 median, about $3,800 below the state average of $68,681. Per capita income of $35,714 remains close to the state average, suggesting income concentration rather than overall scarcity.

Middle ground among peers

St. Joseph County earns more than Sullivan County ($54,985) and Starke County ($62,933) but significantly less than Tipton County ($78,309). Its income profile reflects the economic challenges faced by many industrial counties in northern Indiana.

Housing pressure rising

A 19.1% rent-to-income ratio indicates rising housing affordability stress in St. Joseph County, approaching the 30% danger threshold. Median home values of $179,800 remain modest, but renters here face tighter budgets than in neighboring counties.

Prioritize financial resilience

St. Joseph County residents should focus on building emergency savings and controlling housing costs to free up income for investing. Even modest monthly investments in retirement accounts—starting with $100–200—create long-term wealth despite current income constraints.

Frequently Asked Questions

What is the median household income in St. Joseph County, Indiana?
The median household income in St. Joseph County, Indiana is $64,885, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. This represents the midpoint of all household incomes in the county.
How much do people earn in St. Joseph County?
The per capita income in St. Joseph County is $35,714, which represents the average income per person across the entire county population. The median household income — which accounts for all earners in a household — is $64,885.
How does St. Joseph County compare to the Indiana average?
St. Joseph County's median household income of $64,885 is lower than the Indiana state average of $68,681. The per capita income is $35,714, compared to the state average of $34,773.
What is the per capita income in St. Joseph County, Indiana?
The per capita income in St. Joseph County, Indiana is $35,714, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. Per capita income is calculated by dividing total personal income by total population, providing an average income figure per resident.
Is St. Joseph County a low-income area in Indiana?
St. Joseph County's median household income of $64,885 is below the Indiana average of $68,681. The per capita income of $35,714 is also comparable to the state average of $34,773. Lower incomes can reflect the local economic base, rural vs. urban location, and employment opportunities available in the area.
How does St. Joseph County rank for income in Indiana?
St. Joseph County ranks #54 out of 92 counties in Indiana by median household income (1 = highest). With a median household income of $64,885 and per capita income of $35,714, it falls in the middle third of counties statewide.

Income Comparison Calculator

See how your household income compares in St. Joseph County

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Your income is above the St. Joseph County median

County median: $64,885 per year

vs. County Median

+0%

vs. State Average

-6%

vs. National Median

-13%

vs. St. Joseph County MedianAbout equal
vs. Indiana Average▼ 6% below
vs. National Median▼ 13% below

Income Adequacy

Monthly income covers median rent5.2x

Your monthly income ($5,407) vs. median rent ($1,030/mo). A ratio of 3.3x or higher means rent is under 30% of income.

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Counties with Similar Income Levels

Goshen County
Wyoming
$64,882
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Montcalm County
Michigan
$64,892
+0%
Rains County
Texas
$64,874
+0%
Hardin County
Iowa
$64,906
+0%
Cass County
Illinois
$64,907
+0%
Morgan County
Alabama
$64,858
+0%
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By Logan Johnson, Founder & Data EditorUpdated Reviewed by Logan Johnson, Founder & Data Editor

Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.

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