1st Advantage MortgageIn Ste. Genevieve County, Missouri, the typical household earns $66,339 a year and the typical rent is $780. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Missouri before sharing details.
On this page
- Ste. Genevieve County by the numbers
- Housing costs in Ste. Genevieve County
- Paychecks and income spread in Ste. Genevieve County
- How Ste. Genevieve County residents earn a living
- The counties around Ste. Genevieve County
- Cities, towns and CDPs in Ste. Genevieve County
- Debt-to-income at Ste. Genevieve County's medians
- Before borrowing in Ste. Genevieve County
- Ste. Genevieve County households compared
- Steps before you apply in Ste. Genevieve County
- Lender oversight for Ste. Genevieve County
- Nearby and statewide guides
- Frequently asked questions
Ste. Genevieve County by the numbers
Roughly 18,571 residents live in Ste. Genevieve County, Missouri, 59th by population among the state's 115 counties and county equivalents. Spread over 499 square miles, that works out to roughly 37.2 residents per square mile. No metropolitan area includes Ste. Genevieve County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 7 places in the county (3 incorporated, 4 census-designated); the largest is Ste. Genevieve, with about 5,010 residents, or 27% of the county.
Housing costs in Ste. Genevieve County
A typical Ste. Genevieve County rental runs $780 a month including utilities, which is 24% below Missouri. By the Census definition, 27% of Ste. Genevieve County renters are cost-burdened. Home values center on $222,200, or 3.3 years of median income. The ownership rate is 83%. Half the housing stock was built before 1981.
| Cost | Ste. Genevieve County | Missouri figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $780/mo | $1,033/mo | $877/mo |
| Median home value | $222,200 | $230,300 | $185,300 |
| Owners | 83% | 68% | 75% |
| Rent-burdened renters | 27% | 46% | 45% |
| Burdened owners | 16% | 22% | n/a |
| Mobile homes | 11.0% | 5.2% | n/a |
| Vacant units | 14% | 11% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
Paychecks and income spread in Ste. Genevieve County
Ste. Genevieve County households have a median income of $66,339 (ACS 2020 to 2024), which ranks 28th of 115 in Missouri.
| Band | Ste. Genevieve County | Compared with Missouri |
|---|---|---|
| Under $35,000 | 22.7% | -0.9 pts |
| $35,000 to $99,999 | 43.1% | +0.6 pts |
| $100,000 to $199,999 | 28.4% | +3.1 pts |
| $200,000 or more | 5.8% | -2.9 pts |
The spread is wide: 34% of Ste. Genevieve County households make $100,000 or more, and 23% make less than $35,000. The poverty rate is 8.2%, 4 points lower than the state's 12.6%. None of these numbers decides a Ste. Genevieve County application. Lenders weigh your own documented income against your own debts.
How Ste. Genevieve County residents earn a living
Education and health care employs 23% of working residents, the largest share; manufacturing is next with 18%. Compared with Missouri, the county leans toward manufacturing (18% against 11%). The survey's unemployment rate for Ste. Genevieve County averages 4.2% over 2020 to 2024 (state: 4.0%). 27% of commuters travel 45 minutes or more each way, and 7% work from home. Households without a car make up 4.3% of the total (6.6% statewide).
| Top industries | Ste. Genevieve County share | +/- vs Missouri |
|---|---|---|
| Education and health care | 22.9% | -1.4 pts |
| Manufacturing | 18.0% | +6.8 pts |
| Construction | 10.0% | +3.2 pts |
| Professional and administrative services | 8.1% | -2.3 pts |
| Retail trade | 8.0% | -3.3 pts |
| Public administration | 6.3% | +2.0 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
The counties around Ste. Genevieve County
Distances run center to center, from St. Francois County at 18 miles out to Jefferson County at 33. Income ranges from $54,434 in Madison County to $102,880 in Monroe County; 3 of these neighbors top Ste. Genevieve County's median. The list crosses into Illinois, where different lending rules and regulators apply.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Ste. Genevieve County | - | $66,339 | $780/mo | 83% |
| St. Francois County, MO | 18 mi | $57,477 | $794/mo | 68% |
| Randolph County, IL | 22 mi | $68,131 | $780/mo | 77% |
| Perry County, MO | 23 mi | $62,981 | $923/mo | 77% |
| Monroe County, IL | 27 mi | $102,880 | $1,042/mo | 85% |
| Madison County, MO | 30 mi | $54,434 | $808/mo | 74% |
| Jefferson County, MO | 33 mi | $82,851 | $979/mo | 82% |
Cities, towns and CDPs in Ste. Genevieve County
The table lists the 7 largest of 7 Census places in Ste. Genevieve County, by population. Together all 7 hold about 7,568 people, so roughly 59% of residents live outside any named place. Among places of 500 or more people, median income runs from $48,097 in Ste. Genevieve to $101,736 in Bloomsdale. This guide covers each of the 7 places and the rural areas around them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Ste. Genevieve | city | 5,010 | $48,097 | $771 | 9 mi |
| Bloomsdale | city | 841 | $101,736 | $525 | 9 mi |
| Grayhawk | CDP | 538 | $49,304 | n/a | 5 mi |
| Goose Creek Lake | CDP | 481 | $37,986 | n/a | 11 mi |
| Ozora | CDP | 299 | n/a | n/a | 6 mi |
| St. Mary | city | 285 | $49,643 | $775 | 12 mi |
| Weingarten | CDP | 114 | $49,514 | n/a | 3 mi |
Debt-to-income at Ste. Genevieve County's medians
The debt-to-income ratio is the main affordability test lenders use. Applied to Ste. Genevieve County's medians:
- Start: $5,528 gross per month ($66,339 / 12)
- Less median rent of $780, which is 14% of it
- With a 43% ceiling, about $1,597 remains for car, card, student and any new loan payments
Two-income households and single earners in Ste. Genevieve County land in very different places on this math, so run it for your own budget.
Before borrowing in Ste. Genevieve County
Based on the Ste. Genevieve County data above, these borrowing questions are most likely to matter locally.
- Keeping the car running. At 27% with long commutes, repairs are a frequent Ste. Genevieve County emergency; first decide if the car is worth fixing.
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
Ste. Genevieve County households compared
College graduates make up 17% of the adult population. The uninsured rate is 4.6%, against 8.8% for Missouri.
| Indicator | Ste. Genevieve County | All of Missouri | U.S. county median |
|---|---|---|---|
| Median age | 43.3 | 39.0 | 41.5 |
| Bachelor's or higher | 16.8% | 32.4% | 22.2% |
| No high school diploma | 6.1% | 8.1% | n/a |
| No health insurance | 4.6% | 8.8% | 7.8% |
| No vehicle | 4.3% | 6.6% | 5.4% |
| Work from home | 6.5% | 13.0% | 8.7% |
| Poverty rate | 8.2% | 12.6% | 13.2% |
| Unemployment (ACS) | 4.2% | 4.0% | 4.4% |
| Commute length | Ste. Genevieve County |
|---|---|
| Under 15 min | 24.0% |
| 15 to 29 min | 34.1% |
| 30 to 44 min | 14.6% |
| 45 to 59 min | 9.4% |
| 60+ min | 17.8% |
Steps before you apply in Ste. Genevieve County
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Line up offers side by side: APR, fees in dollars, total cost.
- Check the license, then the reviews, then the offer.
- Pick the shortest term whose payment still fits.
Lender oversight for Ste. Genevieve County
The Missouri Division of Finance is the place to verify any lender's Missouri license. Federal complaints: consumerfinance.gov. The Missouri guide covers state rules in more detail.
Nearby and statewide guides
For statewide rules and data, see the Missouri guide.
Frequently asked questions
How much do households in Ste. Genevieve County earn?
The median is $66,339; 34% earn $100,000 or more and 23% under $35,000. A lender uses your own documented income, not this figure.
Is Ste. Genevieve County expensive for renters?
Median rent is $780 against $1,033 statewide, and 27% of renter households are cost-burdened.
Does this page cover Ste. Genevieve?
Yes, along with the other 6 Census places in Ste. Genevieve County, such as Bloomsdale, Grayhawk, Goose Creek Lake.
Are Ste. Genevieve County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Who do I complain to about a lender in Ste. Genevieve County?
Start with the Missouri Division of Finance, then the CFPB complaint portal. Keep copies of every message.