Missouri · GEOID 29187

St. Francois County

2024 ACS 5-year estimates · population 66,999 · 28,945 housing units

Median household income

$57,477

State $72,143

Median home value

$169,300

State $232,120

Median gross rent

$794

State $1,040

Homeownership rate

68.2%

State 68.1%

Renter cost-burden rate

40.3%

≥30% of income

Owner cost-burden rate

15.5%

≥30% of income

Homeowner vacancy

1.1%

Of owner-occupied + for-sale units

Rental vacancy

5.2%

Of renter-occupied + for-rent units

Overall vacancy

14.3%

All housing units

Price-to-income ratio

2.95

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	St. Francois County	Missouri
Population	66,999	6,191,814
Population density (per sq. mi.)	148.27	—
Median household income	$57,477	$72,143
HUD Area Median Income (4-person, 100%)	$70,200	—
Households	24,816	—
Average household size	2.48 people	—
Owner-occupied	68.2%	68.1%
Renter-occupied	31.8%	31.9%
Race	90.3% White · 2.8% Black	0.0% White · 0.0% Black

Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

St. Francois County compared with Missouri.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

17.2% hold a bachelor's degree or higher (state: 32.4%).

Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.

Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.

Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.

Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.

Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners	Share	Median income	Attainable monthly housing cost	Attainable home
0 earners	19.8%	$44,917	$1,123	$136,177
1 earner	35.1%	$48,321	$1,208	$148,848
2 earners	35.1%	$93,307	$2,333	$316,301
3+ earners	10.1%	$136,121	$3,403	$475,669

Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.

Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

24,816

Average size: 2.48 people

Households with children

6,689

27.0% of households

Per-capita income

$28,659

Poverty rate: 16.7%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

68.2% owner-occupied vs. state average 68.1%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 70.6% · Missing middle (2–19 units) 16.9%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

46.4% built before 1980 · Median structure age 1,983.00 yrs.

Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.

Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $169,300.

Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.

Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.

Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $794.

Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Vacancy composition

All 4,129 vacant units split into Census's seven categories. Frictional vacancy (units actively on the market) reflects healthy churn. Structural vacancy (seasonal, migrant, other) sits outside the market for year-round residents — high values change how the headline vacancy rate should be read.

Vacant units by type

For sale 4.4% · For rent 10.7% · Seasonal 34.9% · Other 46.5%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

18.6% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 81.4% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

5.0%

1,442 units of 28,945 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

6.6%

1,921 units of 28,945 total

⚑ Above the 5% threshold — possible indicator of disinvestment, abandonment, or condemned stock.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$45,982

100% MHI$57,477

120% MHI$68,972

County-wide median from ACS 5-year estimates. A household at 100% MHI in St. Francois County should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

	1-person	2-person	4-person
80% AMI	$43,400	$49,600	$62,000
100% AMI	$49,140	$56,160	$70,200
120% AMI	$58,950	$67,400	$84,250

HUD FMR Area: St. Francois County, MO. 80% AMI uses HUD's published Section 8 Low Income Limits; 100% is HUD MFI; 120% is the standard workforce convention.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Income basis Household income Interest rate % Down payment % Taxes & insurance / yr

Affordable monthly—

Affordable home price—

Renter cost burden

40.3% of renter households spend ≥30% of income on rent (16.4% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

15.5% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.

Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.

Source: ACS 5-year 2024, Table B25118.

Section 4

Industry & Workforce Wages

Employment, average wages, and the housing each industry's typical earner can afford in St. Francois County.

Covered employment

22,588

Across 20 sectors

Establishments

1,862

QCEW 2024

Avg annual pay (workforce)

$43,441

Employment-weighted across sectors

Top 10 sectors by employment

Annual average employment by NAICS 2-digit sector. Counties with fewer than five covered establishments in a sector may show suppressed totals.

Source: BLS QCEW Annual Averages, 2024.

Attainable housing by industry

Industry	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 62 Health care and social assistance NAICS 62	5,626	$46,549	$142,252	−$27,048	$1,164
NAICS 44-45 Retail trade NAICS 44-45	3,316	$32,228	$88,944	−$80,356	$806
NAICS 72 Accommodation and food services NAICS 72	2,255	$21,235	$48,024	−$121,276	$531
NAICS 92 Public administration NAICS 92	2,059	$45,686	$139,039	−$30,261	$1,142
NAICS 61 Educational services NAICS 61	1,968	$43,239	$129,931	−$39,369	$1,081
NAICS 31-33 Manufacturing NAICS 31-33	1,575	$52,976	$166,175	−$3,125	$1,324
NAICS 52 Finance and insurance NAICS 52	1,285	$61,262	$197,018	+$27,718	$1,532
NAICS 23 Construction NAICS 23	1,247	$65,316	$212,109	+$42,809	$1,633
NAICS 81 Other services (except public administration) NAICS 81	705	$40,628	$120,212	−$49,088	$1,016
NAICS 42 Wholesale trade NAICS 42	652	$44,921	$136,192	−$33,108	$1,123
NAICS 56 Administrative and support and waste management and remediation services NAICS 56	522	$33,250	$92,748	−$76,552	$831
NAICS 54 Professional, scientific, and technical services NAICS 54	328	$49,446	$153,035	−$16,265	$1,236
NAICS 71 Arts, entertainment, and recreation NAICS 71	264	$17,094	$32,610	−$136,690	$427
NAICS 51 Information NAICS 51	225	$38,995	$114,133	−$55,167	$975
NAICS 55 Management of companies and enterprises NAICS 55	162	$74,543	$246,455	+$77,155	$1,864
NAICS 53 Real estate and rental and leasing NAICS 53	142	$41,921	$125,025	−$44,275	$1,048
NAICS 21 Mining, quarrying, and oil and gas extraction NAICS 21	96	$98,434	$335,385	+$166,085	$2,461
NAICS 48-49 Transportation and warehousing NAICS 48-49	93	$67,902	$221,735	+$52,435	$1,698
NAICS 22 Utilities NAICS 22	53	$53,396	$167,739	−$1,561	$1,335
NAICS 11 Agriculture, forestry, fishing and hunting NAICS 11	15	$27,949	$73,016	−$96,284	$699

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 722 Food services and drinking places NAICS 722	2,082	$21,075	$47,429	−$121,871	$527
NAICS 611 Educational services NAICS 611	1,968	$43,239	$129,931	−$39,369	$1,081
NAICS 922 Justice, public order, and safety activities NAICS 922	1,543	$47,801	$146,912	−$22,388	$1,195
NAICS 621 Ambulatory health care services NAICS 621	1,350	$63,166	$204,106	+$34,806	$1,579
NAICS 623 Nursing and residential care facilities NAICS 623	1,284	$35,816	$102,300	−$67,000	$895
NAICS 622 Hospitals NAICS 622	1,152	$45,897	$139,825	−$29,475	$1,147
NAICS 455 General merchandise retailers NAICS 455	1,018	$28,399	$74,691	−$94,609	$710
NAICS 238 Specialty trade contractors NAICS 238	781	$66,116	$215,087	+$45,787	$1,653
NAICS 524 Insurance carriers and related activities NAICS 524	751	$63,237	$204,370	+$35,070	$1,581
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	484	$34,389	$96,988	−$72,312	$860
NAICS 522 Credit intermediation and related activities NAICS 522	482	$54,411	$171,517	+$2,217	$1,360
NAICS 561 Administrative and support services NAICS 561	480	$32,584	$90,269	−$79,031	$815
NAICS 441 Motor vehicle and parts dealers NAICS 441	431	$49,965	$154,967	−$14,333	$1,249
NAICS 445 Food and beverage retailers NAICS 445	390	$23,375	$55,990	−$113,310	$584
NAICS 811 Repair and maintenance NAICS 811	351	$50,281	$156,143	−$13,157	$1,257
NAICS 424 Merchant wholesalers, nondurable goods NAICS 424	351	$40,681	$120,409	−$48,891	$1,017
NAICS 921 Executive, legislative, and other general government support NAICS 921	339	$32,944	$91,609	−$77,691	$824
NAICS 541 Professional, scientific, and technical services NAICS 541	328	$49,446	$153,035	−$16,265	$1,236
NAICS 457 Gasoline stations and fuel dealers NAICS 457	322	$22,387	$52,313	−$116,987	$560
NAICS 236 Construction of buildings NAICS 236	249	$53,726	$168,967	−$333	$1,343
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	245	$29,784	$79,847	−$89,453	$745
NAICS 484 Truck transportation NAICS 484	236	$51,445	$160,476	−$8,824	$1,286
NAICS 456 Health and personal care retailers NAICS 456	218	$41,353	$122,910	−$46,390	$1,034
NAICS 237 Heavy and civil engineering construction NAICS 237	217	$75,733	$250,884	+$81,584	$1,893
NAICS 813 Religious, grantmaking, civic, professional, and similar organizations NAICS 813	196	$35,026	$99,359	−$69,941	$876
NAICS 721 Accommodation NAICS 721	174	$23,032	$54,713	−$114,587	$576
NAICS 551 Management of companies and enterprises NAICS 551	162	$74,543	$246,455	+$77,155	$1,864
NAICS 332 Fabricated metal product manufacturing NAICS 332	159	$59,825	$191,669	+$22,369	$1,496
NAICS 339 Miscellaneous manufacturing NAICS 339	152	$51,758	$161,641	−$7,659	$1,294
NAICS 812 Personal and laundry services NAICS 812	151	$26,327	$66,979	−$102,321	$658
NAICS 923 Administration of human resource programs NAICS 923	142	$48,763	$150,493	−$18,807	$1,219
NAICS 449 Furniture, home furnishings, electronics, and appliance retailers NAICS 449	135	$41,165	$122,211	−$47,089	$1,029
NAICS 713 Amusement, gambling, and recreation industries NAICS 713	119	$17,665	$34,736	−$134,564	$442
NAICS 517 Telecommunications NAICS 517	109	$52,654	$164,977	−$4,323	$1,316
NAICS 325 Chemical manufacturing NAICS 325	100	$72,065	$237,231	+$67,931	$1,802
NAICS 711 Performing arts, spectator sports, and related industries NAICS 711	97	$13,213	$18,164	−$151,136	$330
NAICS 212 Mining (except oil and gas) NAICS 212	96	$98,434	$335,385	+$166,085	$2,461
NAICS 491 Postal service NAICS 491	92	$68,137	$222,610	+$53,310	$1,703
NAICS 531 Real estate NAICS 531	83	$40,097	$118,235	−$51,065	$1,002
NAICS 327 Nonmetallic mineral product manufacturing NAICS 327	77	$69,233	$226,689	+$57,389	$1,731
NAICS 458 Clothing, clothing accessories, shoe, and jewelry retailers NAICS 458	73	$21,702	$49,763	−$119,537	$543
NAICS 532 Rental and leasing services NAICS 532	58	$45,254	$137,431	−$31,869	$1,131
NAICS 624 Social assistance NAICS 624	57	$44,907	$136,140	−$33,160	$1,123
NAICS 221 Utilities NAICS 221	53	$53,396	$167,739	−$1,561	$1,335
NAICS 523 Securities, commodity contracts, and other financial investments and related activities NAICS 523	53	$94,437	$320,507	+$151,207	$2,361
NAICS 516 Broadcasting and content providers NAICS 516	49	$33,967	$95,417	−$73,883	$849
NAICS 562 Waste management and remediation services NAICS 562	42	$40,861	$121,079	−$48,221	$1,022
NAICS 712 Museums, historical sites, and similar institutions NAICS 712	29	$31,583	$86,543	−$82,757	$790
NAICS 488 Support activities for transportation NAICS 488	26	$54,434	$171,602	+$2,302	$1,361
NAICS 519 Web search portals, libraries, archives, and other information services NAICS 519	23	$20,132	$43,919	−$125,381	$503
NAICS 926 Administration of economic programs NAICS 926	12	$63,679	$206,015	+$36,715	$1,592
NAICS 924 Administration of environmental quality programs NAICS 924	11	$51,280	$159,862	−$9,438	$1,282
NAICS 323 Printing and related support activities NAICS 323	10	$33,324	$93,024	−$76,276	$833
NAICS 814 Private households NAICS 814	7	$21,956	$50,708	−$118,592	$549
NAICS 928 National security and international affairs NAICS 928	6	$84,457	$283,358	+$114,058	$2,111
NAICS 925 Administration of housing programs, urban planning, and community development NAICS 925	6	$63,656	$205,930	+$36,630	$1,591
NAICS 113 Forestry and logging NAICS 113	4	$30,011	$80,692	−$88,608	$750

Affordable home price assumes the industry's average earner uses 30% of gross income for housing, with a 30-year mortgage at 7%, 5% down, $2,500/yr taxes & insurance, and 0.5% PMI. Adjust the Section 3 calculator for other terms. Affordable rent is 30% of monthly gross pay.

Source: BLS QCEW Annual Averages, 2024; ACS 5-year 2024 (median home value).

Section 5

Wages by Occupation

Selected essential-worker occupations for the MSA or nonmetropolitan area containing this county — jobs, the 10-year change, wages, and the housing each typical earner can afford. Both jobs counts and wages are reported at the MSA / nonmetropolitan-area level (BLS does not publish OEWS at the county level), so every county inside the same area shows the same numbers. For county-accurate employment totals, see Section 4 above.

Occupational wages and affordable housing

Occupation	2025 jobs	2015–2025 change	% change	Hourly wage	Annual wage	Affordable home price	Affordable monthly rent
Cashiers SOC 41-2011	5,060	(920)	(15%)	$14.59	$30,350	$81,953	$759
Childcare Workers SOC 39-9011	810	110	16%	$14.79	$30,770	$83,517	$769
Fast Food and Counter Workers SOC 35-3023 · prior-year code differs	1,490	(3,710)	(71%)	$14.81	$30,800	$83,629	$770
Janitors and Cleaners SOC 37-2011	2,050	(280)	(12%)	$16.71	$34,750	$98,332	$869
Waiters and Waitresses SOC 35-3031	1,620	(400)	(20%)	$16.75	$34,830	$98,630	$871
Tellers SOC 43-3071	920	(270)	(23%)	$16.80	$34,930	$99,002	$873
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	2,950	(1,350)	(31%)	$17.20	$35,770	$102,129	$894
Retail Salespersons SOC 41-2031	3,800	(560)	(13%)	$17.21	$35,800	$102,240	$895
Firefighters SOC 33-2011	340	90	36%	$18.02	$37,490	$108,531	$937
Office Clerks, General SOC 43-9061	3,510	570	19%	$20.06	$41,730	$124,314	$1,043
Maintenance and Repair Workers, General SOC 49-9071	1,920	(520)	(21%)	$22.82	$47,460	$145,643	$1,187
Elementary School Teachers, Except Special Education SOC 25-2021	3,200	990	45%	—	$48,040	$147,802	$1,201
Police and Sheriff's Patrol Officers SOC 33-3051	1,120	240	27%	$23.33	$48,520	$149,588	$1,213
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	3,490	(490)	(12%)	$25.28	$52,580	$164,701	$1,315
Carpenters SOC 47-2031	790	170	27%	$27.06	$56,290	$178,511	$1,407
Paramedics SOC 29-2043 · prior-year code differs	180	(640)	(78%)	$27.62	$57,450	$182,829	$1,436
Construction Laborers SOC 47-2061	970	(310)	(24%)	$27.92	$58,080	$185,174	$1,452
Electricians SOC 47-2111	390	(60)	(13%)	$30.09	$62,580	$201,924	$1,565
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	320	100	45%	$33.46	$69,600	$228,055	$1,740
Registered Nurses SOC 29-1141	3,650	(120)	(3%)	$37.95	$78,940	$262,822	$1,974

Affordable home price uses the same Section 3 formula (30% housing budget, 30-year mortgage at 7%, 5% down, $2,500/yr T&I, 0.5% PMI). Affordable rent is 30% of monthly wages. Negative job-change values are shown in red parentheses. A "prior-year code differs" note flags occupations whose SOC code changed between the two vintages (2010 SOC → 2018 SOC) — the change estimate is best-effort.

Source: BLS OEWS May 2025 (10-year change vs. May 2015). Jobs counts and wages reflect the MSA or nonmetropolitan area containing this county, not the county alone — OEWS is not published at the county level.

Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Variables: 29187 · pulled from Full Housing Data Table.xlsx.