St. Jo: Housing & Real Estate
Housing in St. Jo centers on a median value of $159,400 (estimated market value runs 21% higher at $192,753), with median rent $752 (1.3× below Montague County median $974; 1.7× below Texas median $1,244). Homeownership rate: 68.6%. That's about the same as the Montague County median ($166,900); 1.6× below the Texas median ($247,738). Market is warm. Vacancy rate 19.0%. New construction makes up 4.2% of stock. A municipal building code is in effect.
- 2.3× annual income — home value vs. household income (vs Texas 3.1×).
- 17.7 years to break even renting at the median (vs Texas 17y).
- 4-BR rent is 1.9× a studio — rent gradient by unit size.
- Median rent 28% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $159,400 — 0.6× the Texas median ($247,738). Median rent $752/month. homeownership rate 68.6% — above the U.S. share of ~65%.
| Affordability · Price To Income Ratio | 2.3× |
|---|---|
| Affordability · Rent To Income Pct | 13.2% |
| Affordability · Affordable | Yes |
| Affordability · Interpretation | very affordable |
| Fair Market Rent · Studio rent | $820 |
| Fair Market Rent · One-bedroom rent | $856 |
| Fair Market Rent · Two-bedroom rent | $1,055 |
| Fair Market Rent · Three-bedroom rent | $1,467 |
| Fair Market Rent · Four-bedroom rent | $1,552 |
| Fair Market Rent · HUD FMR area | Montague County, TX |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $192,753 |
| Median Home Value | $159,400 (vs Texas $247,738) |
| Median Rent | $752 (vs Texas $1,244) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | warm |
|---|---|
| Housing Market · Vacancy rate | 19.0% |
| Housing Market · New construction (% of stock) | 4.2% |
| Housing Market · Price Appreciation 2Yr | 8.5% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (5)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 100.0% |
| Broadband · Broadband-capable premises | 583 |
| Electricity · Electricity rate (¢/kWh) | 14.94¢/kWh |
| Electricity · Customers | 12,547,863 |
| Electricity · Revenue Millions | $24,652 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 100% |
| Mobile Broadband · 5G mobile coverage | 100% |
| Mobile Home Parks Detail · County total | 2 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 68.6% |
|---|---|
| Median Year Built | 1972 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12