St. Joseph County home price history and building permits
MichiganSturgis, MI micropolitan area60,968 residents (2025 estimate)
- FHFA annual index 1979 to 2025
- Developmental index
- Release of
- Permits through August 2026
The FHFA annual house price index for St. Joseph County increased by 101.6% from 2015 to 2025. From 2020 to 2025, the index increased by 58.8%. From 2024 to 2025, the index increased by 7.2%.
2015
+101.6%
From 2015 to 2025, the FHFA annual all-transactions index for St. Joseph County increased by 101.6%.
From 2015 to 2025, the average change in each year is +7.3%, compounded.
| Area | Change | Bar |
|---|---|---|
| St. Joseph County | +101.6% | |
| Sturgis, MI | +101.6% | |
| Michigan | +96.7% | |
| United States | +85.0% |
- St. Joseph County
- United States, set to the same start
- Recession (NBER dates)
- Your span
Index values for each year
| Year | Index | Change from the year before |
|---|---|---|
| 2025 | 508.41 | +7.2% |
| 2024 | 474.05 | +5.4% |
| 2023 | 449.67 | +11.1% |
| 2022 | 404.57 | +13.5% |
| 2021 | 356.51 | +11.3% |
| 2020 | 320.23 | +3.6% |
| 2019 | 309.25 | +4.5% |
| 2018 | 295.83 | +8.6% |
| 2017 | 272.29 | +4.3% |
| 2016 | 261.15 | +3.5% |
| 2015 | 252.24 | +4.5% |
| 2014 | 241.42 | +2.8% |
| 2013 | 234.87 | +0.1% |
| 2012 | 234.75 | −1.7% |
| 2011 | 238.85 | −2.7% |
| 2010 | 245.59 | −5.9% |
| 2009 | 260.86 | −3.1% |
| 2008 | 269.23 | −2.3% |
| 2007 | 275.67 | +0.7% |
| 2006 | 273.64 | +0.8% |
| 2005 | 271.35 | +5.4% |
| 2004 | 257.47 | +3.7% |
| 2003 | 248.23 | +1.8% |
| 2002 | 243.84 | +2.3% |
| 2001 | 238.35 | +5.1% |
| 2000 | 226.75 | +7.5% |
| 1999 | 210.89 | +5.9% |
| 1998 | 199.21 | +5.2% |
| 1997 | 189.30 | +9.5% |
| 1996 | 172.81 | +6.4% |
| 1995 | 162.45 | +10.7% |
| 1994 | 146.69 | +5.3% |
| 1993 | 139.29 | +4.2% |
| 1992 | 133.69 | +3.2% |
| 1991 | 129.49 | +2.3% |
| 1990 | 126.62 | +6.1% |
| 1989 | 119.37 | +8.1% |
| 1988 | 110.38 | +0.7% |
| 1987 | 109.66 | +4.3% |
| 1986 | 105.13 | +1.8% |
| 1985 | 103.28 | +1.2% |
| 1984 | 102.08 | −5.6% |
| 1983 | 108.08 | n/a |
| 1981 | 122.81 | +20.7% |
| 1980 | 101.77 | +1.8% |
| 1979 | 100.00 | n/a |
Each figure is the change of the FHFA annual all-transactions index, from the year that you pick to 2025. It is a change for the area. It is not the change in the value of your home, and it does not use the price that you paid.
The average for each year is a compounded annual change. The guide to values explains more.
When using the FHFA House Price Calculator, please note that it does not project the actual value of any particular house.
FHFA, about its own House Price Calculator: Federal Housing Finance Agency, House Price Index Datasets, HPI Calculator, copied on . The calculator of FHFA uses quarterly figures. For the states and the 100 largest metro areas it uses the purchase-only index. Its figures can differ from the figures here.
Since the last FHFA release
No recorded FHFA release changed a figure of St. Joseph County. The record of releases starts with the next FHFA release. FHFA releases recorded by this site
Same span, every level
| Area | 1 year2024 to 2025 | 5 years2020 to 2025 | 10 years2015 to 2025 | 20 years2005 to 2025 | Since 20002000 to 2025 | Each yearaverage of 10 years |
|---|---|---|---|---|---|---|
| St. Joseph County | +7.2% | +58.8% | +101.6% | +87.4% | +124.2% | +7.3% |
| Sturgis, MI | +7.2% | +58.8% | +101.6% | +87.4% | +124.2% | +7.3% |
| Michigan | +4.7% | +51.6% | +96.7% | +67.0% | +96.7% | +7.0% |
| United States | +2.8% | +47.0% | +85.0% | +79.1% | +158.3% | +6.3% |
Each row uses FHFA's annual all-transactions index and the same two years. "n/a": the area has no index value for one of the two years.
Drawdowns
A drawdown is a decline of 5% or more of the annual index from a peak.
| Peak | Low | Decline | Back at the peak |
|---|---|---|---|
| 1981 | 1984 | −16.9% | 1990 |
| 2007 | 2012 | −14.8% | 2018 |
Decade by decade
| Decade | Change | United States | Bar |
|---|---|---|---|
| 1980s1980 to 1990 | +24.4% | +68.2% | |
| 1990s1990 to 2000 | +79.1% | +33.9% | |
| 2000s2000 to 2010 | +8.3% | +29.7% | |
| 2010s2010 to 2020 | +30.4% | +35.5% | |
| 2020s so far2020 to 2025 | +58.8% | +47.0% |
The index is 100 in the first year with a value for the area (1979 here). The change in a decade is the index at the end of the decade divided by the index at the start. The base year has no effect on it.
Building permits
In the 12 months to August 2026, building permits in St. Joseph County authorized 221 housing units. That is 3.6 units for each 1,000 residents.
- Units in buildings with 1 unit
- Units in buildings with 2 or more units
Units for each month
| Month | All units | 1 unit | 2 or more units |
|---|---|---|---|
| Aug 2026 | 18 | 13 | 5 |
| Jul 2026 | 16 | 11 | 5 |
| Jun 2026 | 14 | 12 | 2 |
| May 2026 | 21 | 14 | 7 |
| Apr 2026 | 27 | 16 | 11 |
| Mar 2026 | 19 | 9 | 10 |
| Feb 2026 | 12 | 2 | 10 |
| Jan 2026 | 15 | 5 | 10 |
| Dec 2025 | 18 | 8 | 10 |
| Nov 2025 | 17 | 7 | 10 |
| Oct 2025 | 22 | 12 | 10 |
| Sep 2025 | 22 | 11 | 11 |
| Aug 2025 | 11 | 6 | 5 |
| Jul 2025 | 21 | 9 | 12 |
| Jun 2025 | 21 | 10 | 11 |
| May 2025 | 20 | 9 | 11 |
| Apr 2025 | 15 | 5 | 10 |
| Mar 2025 | 15 | 15 | 0 |
| Feb 2025 | 9 | 9 | 0 |
| Jan 2025 | 8 | 8 | 0 |
| Dec 2024 | 10 | 10 | 0 |
| Nov 2024 | 9 | 9 | 0 |
| Oct 2024 | 12 | 12 | 0 |
| Sep 2024 | 16 | 16 | 0 |
| Aug 2024 | 17 | 17 | 0 |
| Jul 2024 | 15 | 15 | 0 |
| Jun 2024 | 5 | 5 | 0 |
| May 2024 | 9 | 9 | 0 |
| Apr 2024 | 16 | 16 | 0 |
| Mar 2024 | 8 | 8 | 0 |
| Feb 2024 | 7 | 7 | 0 |
| Jan 2024 | 5 | 5 | 0 |
| Dec 2023 | 8 | 8 | 0 |
| Nov 2023 | 11 | 11 | 0 |
| Oct 2023 | 15 | 15 | 0 |
| Sep 2023 | 14 | 14 | 0 |
| Aug 2023 | 9 | 9 | 0 |
| Jul 2023 | 11 | 11 | 0 |
| Jun 2023 | 13 | 13 | 0 |
| May 2023 | 11 | 11 | 0 |
| Apr 2023 | 11 | 11 | 0 |
| Mar 2023 | 7 | 7 | 0 |
| Feb 2023 | 6 | 6 | 0 |
| Jan 2023 | 2 | 2 | 0 |
| Dec 2022 | 3 | 3 | 0 |
| Nov 2022 | 6 | 6 | 0 |
| Oct 2022 | 6 | 6 | 0 |
| Sep 2022 | 9 | 9 | 0 |
| Aug 2022 | 9 | 9 | 0 |
| Jul 2022 | 7 | 7 | 0 |
| Jun 2022 | 10 | 10 | 0 |
| May 2022 | 5 | 5 | 0 |
| Apr 2022 | 7 | 7 | 0 |
| Mar 2022 | 8 | 8 | 0 |
| Feb 2022 | 4 | 4 | 0 |
| Jan 2022 | 4 | 4 | 0 |
| Dec 2021 | 0 | 0 | 0 |
| Nov 2021 | 0 | 0 | 0 |
| Oct 2021 | 0 | 0 | 0 |
| Sep 2021 | 0 | 0 | 0 |
- Units in buildings with 1 unit
- Units in buildings with 2 or more units
Units for each year
| Year | All units | 1 unit | 2 or more units |
|---|---|---|---|
| 2025 | 240 | 142 | 98 |
| 2024 | 180 | 102 | 78 |
| 2023 | 115 | 115 | 0 |
| 2022 | 118 | 118 | 0 |
| 2021 | 78 | 78 | 0 |
| 2020 | 99 | 99 | 0 |
| 2019 | 85 | 85 | 0 |
| 2018 | 67 | 67 | 0 |
| 2017 | 64 | 64 | 0 |
| 2016 | 64 | 64 | 0 |
| 2015 | 72 | 60 | 12 |
| 2014 | 44 | 44 | 0 |
| 2013 | 32 | 32 | 0 |
| 2012 | 30 | 28 | 2 |
| 2011 | 38 | 38 | 0 |
| 2010 | 32 | 32 | 0 |
| 2009 | 42 | 34 | 8 |
| 2008 | 76 | 68 | 8 |
| 2007 | 71 | 71 | 0 |
| 2006 | 137 | 137 | 0 |
| 2005 | 171 | 171 | 0 |
| 2004 | 208 | 160 | 48 |
| 2003 | 197 | 191 | 6 |
| 2002 | 183 | 177 | 6 |
| 2001 | 178 | 166 | 12 |
| 2000 | 240 | 232 | 8 |
| 1999 | 226 | 224 | 2 |
| 1998 | 211 | 211 | 0 |
| 1997 | 221 | 221 | 0 |
| 1996 | 208 | 208 | 0 |
| 1995 | 165 | 165 | 0 |
| Figure | St. Joseph County | Michigan | United States |
|---|---|---|---|
| Housing units authorized | 221 | 22,528 | 1,418,086 |
| Units for each 1,000 residents | 3.6 | 2.2 | 4.1 |
| Share in buildings with 1 unit | 54% | 68% | 63% |
| Change from the 12 months before | +32.3% | −2.7% | −0.1% |
| Units authorized from 1995 | 3,892 | 921,759 | 43,082,761 |
A permit authorizes construction. It does not show that the work started or that it is complete. Residents: Census Bureau estimate for 2025.
ZIP Codes in St. Joseph County
| ZIP Code | Place | 1 year | 5 years | 10 years | Newest year |
|---|---|---|---|---|---|
| 49030 | Burr Oak | n/a | +50.6% | +93.1% | 2025 |
| 49032 | Centreville | +2.9% | +52.2% | +105.6% | 2025 |
| 49040 | Colon | +10.1% | +76.0% | +99.5% | 2025 |
| 49042 | Constantine | +11.2% | +68.3% | +104.5% | 2025 |
| 49072 | Mendon | +12.5% | +74.0% | +116.9% | 2025 |
| 49091 | Sturgis | +8.5% | +55.4% | +105.2% | 2025 |
| 49093 | Three Rivers | +9.2% | +59.5% | +99.0% | 2025 |
| 49099 | White Pigeon | −5.9% | +44.1% | +82.8% | 2025 |
Each change ends in the newest year of that ZIP Code's index. All ZIP Codes of St. Joseph County as a CSV file
Cities and towns with building permits
| Place | Units | For each 1,000 residents | In buildings with 1 unit |
|---|---|---|---|
| Centreville village | 56 | 40.8 | 2% |
| Fabius township | 10 | n/a | 100% |
| Lockport township | 15 | n/a | 100% |
| Three Rivers | 32 | 4.0 | 100% |
| White Pigeon village | 42 | 23.0 | 0% |
Median home value of the area, ACS 2020-2024
The American Community Survey (ACS) asks owners what their home would sell for. The table gives the middle of these answers for each area, over the 5 years 2020-2024. It is an estimate for the area. It is not the value of one home and it is not an FHFA figure.
| Area | Median value | Margin of error |
|---|---|---|
| St. Joseph County | $178,300 | ±$6,438 |
| Michigan | $231,600 | ±$642 |
| United States | $332,700 | ±$236 |
Source: US Census Bureau, American Community Survey 5-year estimates 2020-2024, table B25077.
The Census Bureau defines the value: Value is the respondent's estimate of how much the property (house and lot, mobile home and lot (if lot owned), or condominium unit) would sell for if it were for sale.
It says about the margin of error: The MOEs for published ACS estimates are provided at a 90 percent confidence level.
A value of "$2,000,000 or more" is the top group, with no margin. See the glossary. The site copied these texts on .
Agency pages
- FHFA House Price IndexFederal Housing Finance AgencyThe index page of FHFA: data, tools and the release dates.
- FHFA HPI CalculatorFederal Housing Finance AgencyThe calculator of FHFA. It works by quarter, for a state or a metro area.
- Building Permits SurveyUS Census BureauThe survey of housing units that building permits authorize.
- American Community SurveyUS Census BureauThe survey of the median home values on this site.
Each link loaded on .
Cite this page
Home Value Trail. St. Joseph County, MI home price history. https://homevaluetrail.com/county/mi/st-joseph/. Source: Federal Housing Finance Agency, annual house price index for counties (developmental); US Census Bureau, Building Permits Survey. FHFA release of .
Where the figures come from
- Index
- FHFA annual house price index for counties, all transactions, 1979 to 2025. Release of March 31, 2026.
- Other levels
- FHFA annual indexes for CBSAs, states and the United States, from the same release.
- Building permits
- US Census Bureau, Building Permits Survey, county and place files through August 2026.
- Residents
- US Census Bureau, population estimates for 2025.
- ZIP Codes and metro area
- US Census Bureau, 2020 ZCTA to county relationship file, and the OMB delineation of July 2023.
- Median value
- US Census Bureau, American Community Survey 5-year estimates 2020-2024, table B25077.
All files are works of the US government, in the public domain. To report an error, see Corrections.
Questions
- Which years had the largest changes in the index for St. Joseph County?
- The largest increase in one year was 20.7%, from 1980 to 1981. The largest decrease in one year was 5.9%, from 2009 to 2010.
- How did the index for St. Joseph County change over 20 years?
- From 2005 to 2025, the index for St. Joseph County increased by 87.4%. In the same years, the index for the Sturgis, MI area increased by 87.4%. In the same years, the index for Michigan increased by 67.0%. In the same years, the index for the United States increased by 79.1%.
- What is the highest value of the index for St. Joseph County?
- The index is 100 in 1979, the first year with a value for this area. The highest annual value is 508.41, in 2025.
- How many ZIP Codes and cities of St. Joseph County have a page?
- 8 ZIP Codes of the county have an FHFA index and a page. 5 places with building permits have a page.