Photo: Nyttend · Public domainMeasured against area pay, St. Joseph Township costs less to live in than 80% of U.S. towns
It ranks #186 of 993 in Ohio for affordability. Home prices around St. Joseph Township have risen about 36% over the past 5 years.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of Williams County, OH ($61K). How TownRatings grades cost of living
In dollars, homes in St. Joseph Township cost less than the Ohio typical home. But the grade compares costs with what households in the area earn, and Williams County incomes are lower too ($61K, against $74K for the typical U.S. town). Property tax takes 0.91% of a home’s value a year (Ohio: 1.31%), and 55% of renters pay 30% or more of income for housing.
In dollars
- $990a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
In paychecks the grade
- 2.0 yrsof area income buys the typical home; the typical U.S. town: 3.3$61K, Williams County income
- 14%of area income goes to the median rent; the typical U.S. town: 18%Census 2020–24
- 55%of renters pay 30%+ of income for housing; across Ohio: 46%Census 2020–24
- 26%of owners do; the typical U.S. town: 20%Census 2020–24
Housing in St. Joseph Township, in brief
Owning can cost less than renting
With 20% down at the calculator’s rate, the typical St. Joseph Township home runs about $880 a month with tax and insurance. A two-bedroom rents for about $990. Can I afford it? ↓
Prices have lagged Ohio
There’s no Zillow index for St. Joseph Township, so the page uses the federal house price index for the ZIP codes around it, which follows repeat sales of the same homes. It rose 36% over five years, against 53% across Ohio. Price trend ↓
Written from the data on this page. There’s no Zillow index for St. Joseph Township, so the typical value is an estimate: the Census median carried forward with the federal house price index; incomes, rents paid, taxes and ownership come from the Census American Community Survey.
What’s behind St. Joseph Township’s grade
Measured against what households in the area earn, St. Joseph Township is more affordable than 80% of U.S. towns, #186 of 993 in Ohio. The share of households paying 30%+ for housing pulls the grade down most; home prices hold it up.
Home prices up 36% in 5 years
The federal house price index for the ZIP codes around St. Joseph Township rose 36% over the past 5 years, slower than across Ohio (53%). Last year prices rose 1.5%. Carrying the Census median home value forward with that index puts the typical St. Joseph Township home at roughly $146,000 today.
Carrying the Census median forward with the index puts a typical home at about $146K.
Federal Housing Finance Agency House Price Index (annual) for the ZIP codes around St. Joseph Township, weighted by land area. It tracks repeat sales of the same homes, so it shows how prices changed, not what homes cost.
A typical home costs 2.0 years of area income
The calculator starts from the area income the grade uses. Switch to St. Joseph Township’s own median, or type yours.
That covers a typical St. Joseph Township home, with $91K to spare.
A two-bedroom rents for about $990 a month here, $110 more than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, St. Joseph Township’s typical property tax (0.91% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $990
Renters already here pay a median of $719, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Defiance County, OH): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
Property tax runs below the Ohio norm
The median bill is $1,133 (Ohio: $2,822), 0.91% of a home’s value a year, against 1.31% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
St. Joseph Township vs. its neighbors
Zillow publishes no value for St. Joseph Township. Milford Township and Superior Township and Center Township and Florence Township have no Zillow value, so they are in the table only.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, latest | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| St. Joseph Township | A− | — | $125K | 0.91% | $990 |
| Florence Township | A− | — | $125K | 1.17% | $1,150 |
| Milford Township | B+ | — | $264K | 0.94% | $970 |
| Troy Township | – | — | $335K | 0.40% | $980 |
| Center Township | B | — | $188K | 1.31% | $980 |
| Superior Township | B+ | — | $206K | 1.10% | $980 |
“—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures. “—” under Cost: not graded (too little Census data, or under 1,000 residents).
Questions about the cost of living in St. Joseph Township
Is St. Joseph Township expensive to live in?
Measured against what households in the area earn, St. Joseph Township costs less than 80% of U.S. towns: an A− for cost of living, #186 of 993 in Ohio. The typical home costs 2.0 years of the median household income of Williams County, OH ($61K).
How much is rent in St. Joseph Township?
HUD puts a two-bedroom at about $990 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $719 (Census 2020–24).
What are property taxes in St. Joseph Township?
The median bill is $1,133 a year, 0.91% of the median home value (Ohio: $2,822, 1.31%), from the Census 2020–24.
Neighbors talk housing
What St. Joseph Township buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Price trend: Federal Housing Finance Agency House Price Index. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.