Roof Replacement Cost in St. Joseph, Missouri (2026)
An asphalt re-roof of a 2,000 sq ft home in St. Joseph runs $6,160 to $13,640. The median St. Joseph household earns $55,578 a year, so that is 5.8 to 12.8 weeks of its pay. The median St. Joseph home dates from 1962. Starting ranges, not quotes. Prices compiled June 2026.
Short answer: In St. Joseph the typical asphalt re-roof costs $9,900, which is 9.3 weeks of local pay on a $55,578 median household income. Metal in St. Joseph runs $14,960 to $35,200, and the St. Joseph asphalt range is $6,160 to $13,640.
Got a quote? See where it falls in St. Joseph
Compares your price per square foot with the St. Joseph installed range (tear-off and underlayment included). Not a judgment of any one roofer.
What would a St. Joseph roof cost per month?
Example rate only; your lender's offer will differ. For a St. Joseph home the principal is the local range for your size and material, and this is not a loan offer in St. Joseph or anywhere else.
How much life is left in my St. Joseph roof?
Typical lifespans are published ranges for each material; for a St. Joseph house, real life also depends on installation, attic ventilation and the weather St. Joseph gets.
Price your own roof in St. Joseph
St. Joseph prices sit 12% under the national base. A typical St. Joseph roof is 9.3 weeks of local pay, 81st heaviest of 209 cities.
- Same job at national base rates
- Difference in St. Joseph
- Extra tear-off included
How we calculated this
One sum produces the asphalt shingle range at the top of this page. You can redo it with a calculator.
| Step | What goes in | Value |
|---|---|---|
| National base, low end | 3-Tab Asphalt Shingles, $3.50 per sq ft × 2,000 sq ft | $7,000 |
| National base, high end | Architectural Asphalt Shingles, $7.75 per sq ft × 2,000 sq ft | $15,500 |
| St. Joseph cost index | Fixed for St. Joseph, not recalculated from wages | 0.88× |
| St. Joseph low | $7,000 × St. Joseph index 0.88 | $6,160, 5.8 weeks of St. Joseph pay |
| St. Joseph high | $15,500 × St. Joseph index 0.88 | $13,640, 12.8 weeks of St. Joseph pay |
| St. Joseph typical | Midpoint of the St. Joseph low and high, rounded to $50 | $9,900 |
- Where St. Joseph sits. The median index across the 209 cities we price is 0.89×. 186 of them are under 1.00× and 23 are over it.
- Roofer pay near St. Joseph. Shown above beside the price, from the BLS source. The index is not calculated from it.
Prices compiled June 2026, BLS pay OEWS May 2025. This is an estimate, not a quote. Why the range has a low and a high end and how the other materials are priced: full method, inputs and limits.
Cost by roofing material in St. Joseph
A typical asphalt roof in St. Joseph costs $9,900, which is 9.3 weeks of local pay and puts St. Joseph 81st of 209 for burden.
| Material | Weeks of pay | Typical | Share of home value |
|---|---|---|---|
| 3-Tab Asphalt Shingles in St. Joseph | 7.6 | $8,150 | 5.7% |
| Architectural Asphalt Shingles in St. Joseph | 10.1 | $10,800 | 7.5% |
| Metal (Steel/Aluminum) in St. Joseph | 19.4 | $20,700 | 14.4% |
| Standing Seam Metal in St. Joseph | 26.3 | $28,150 | 19.5% |
| Concrete Tile in St. Joseph | 17.3 | $18,500 | 12.8% |
| TPO / EPDM in St. Joseph* | 5.0 | $5,300 | 3.7% |
* Flat-roof prices are per 1,000 sq ft, not for a whole 2,000 sq ft house. Rated life: 3-Tab Asphalt Shingles 15–20 years; Architectural Asphalt Shingles 25–30 years; Metal (Steel/Aluminum) 40–70 years; Standing Seam Metal 50–70 years; Concrete Tile 40–50 years; TPO / EPDM (flat roofs) 15–25 years. How we calculated these prices · Sources
Repair or replace in St. Joseph
St. Joseph homes sit 64 years from the median build year of 1962. An original roof that old is past the 25–30 years architectural shingles are rated for, so in St. Joseph a repair mostly buys time. 74.6% of St. Joseph homes predate 1980, so some roofs on the street are second or third generation.
| Job | Cost | Weeks of pay |
|---|---|---|
| Small repair in St. Joseph | $550 | 0.51 |
| Larger repair in St. Joseph | $2,650 | 2.5 |
| Half of a new roof (50% rule) in St. Joseph | $4,950 | 4.6 |
| One year of roof life in St. Joseph | $360 | 0.34 |
The last row prices one year of roof life in St. Joseph: a typical architectural roof divided by its rated 25–30 years. A repair is worth paying for when it buys at least as many years as its cost divided by that figure. The 50% rule is a common rule of thumb, not a law.
What weather does to a St. Joseph roof
- Freeze-thaw days. Water gets under shingles at night and expands as ice.
- Days at 90F or hotter. Heat bakes the oils out of asphalt and loosens sealant strips.
- Days with an inch of rain. Heavy rain tests flashing, valleys and gutters.
- Yearly precipitation. More water means more years of wet decking.
Rank 1 is the most days or inches among the cities we cover. Values are 2014–2023 averages of a 50 km grid cell around St. Joseph. Source: NASA POWER (MERRA-2/IMERG reanalysis, daily point data), 2014–2023
St. Joseph roof bill in weeks of pay
Weeks of median household income
The median St. Joseph household earns $55,578 a year, or $1,069 a week. A St. Joseph asphalt re-roof, typically $9,900, takes 9.3 weeks of that.
Columbia ($9,900 typical, 145 miles away) takes 8.0 weeks of its own pay, 1.3 weeks fewer than St. Joseph.
80 of 208 other cities ask for more, 128 for less.
Sum for St. Joseph: $9,900 ÷ ($55,578 ÷ 52) = 9.3 weeks.
Source: Census ACS (St. Joseph city), 2019–2023St. Joseph against nearby Missouri cities
Neighbors run from 0.86× to 0.88× against St. Joseph's 0.88×. Closest: Columbia, about 145 mi, at $6,160 to $13,640.
Distances are to scale. Dot size is weeks of local pay for a typical asphalt roof, so a bigger dot means a heavier bill for that city's households.
| City | Weeks of pay | Price vs here | Contractors (verified) | Hail events, since 2017 |
|---|---|---|---|---|
| St. Joseph (this page) | 9.3 | — | 14 (0) | 13 |
| Columbia roofers ≈145 mi from St. Joseph |
8.0 | same | 27 (0) | 18 |
| Jefferson City roofers ≈164 mi from St. Joseph |
7.7 | same | 26 (0) | 16 |
| Joplin roofers ≈186 mi from St. Joseph |
10.1 | same | 29 (0) | 84 |
| Springfield roofers ≈194 mi from St. Joseph |
11.0 | -2% | 20 (0) | 152 |
| Cape Girardeau roofers ≈330 mi from St. Joseph |
9.4 | same | 26 (0) | 22 |
On the cost index St. Joseph sits at 0.88×, and a St. Joseph roof takes 9.3 weeks of its pay, rank 81 of 209.
What a re-roof costs against home values in St. Joseph
Share of median home value
In St. Joseph a typical re-roof takes 6.9% of the $144,200 median home value. 33 cities carry a heavier ratio and 175 a lighter one.
Source: Census ACS (St. Joseph city), 2019–2023How old the homes are
Share of homes built before 1980.
74.6% of St. Joseph homes predate 1980. A roof that St. Joseph homebuyers never replaced since the median build year of 1962 is 64 years old. Oldest-first, St. Joseph stands #31 of 209.
Source: Census ACS (St. Joseph city), 2019–2023If insurance covers the damage
Estimates against St. Joseph's $6,160–$13,640 range. General information, not legal advice. How claims work →
| Your deductible | Weeks of St. Joseph pay | Out-of-pocket |
|---|---|---|
| $500 | 0.47 weeks in St. Joseph | $500 |
| $1,000 | 0.94 weeks in St. Joseph | $1,000 |
| $2,500 | 2.3 weeks in St. Joseph | $2,500 |
The St. Joseph roofing market
Insurance companies in St. Joseph require regular roof inspections due to the risk of storm damage, making it essential for homeowners to maintain their roofs. The local market has a variety of contractors who specialize in both new installations and repairs, with some offering specialized services like hail damage repair.
Roofing companies in St. Joseph's county
- 7roofing establishments with paid employees
- 70paid roofing employees
- 57.1%have fewer than 5 employees
- 10.0employees per firm on average
57.1% of the county's roofing firms have under 5 staff, 6 points below the 190-city median of 64%. Firms average 10 paid staff.
Source: Census CBP, 2023On PickARoofer: 14 roofing contractors listed in St. Joseph. See them
What roofers earn here
A roofer in the St. Joseph metro earns a median $51,140 a year, $2,570 above the $48,570 statewide median. 36 of 141 metros pay more than the St. Joseph area.
Source: BLS OEWS, roofers, May 2025License and permit in Missouri
St. Joseph roofers: No statewide roofing license.
Permit: St. Joseph's building office. General information, not legal advice.
Source: verification methodStorms behind St. Joseph roof bills
Public NOAA records for St. Joseph's county.
- 10days with hail of 1 inch or larger
- 2.75 inlargest hailstone reported
- 51days with gusts of 58 mph or more
Hail reports by month
NOAA logged 26 hail reports for St. Joseph's county since 2014. April is the busiest month with 13 of them, 50% of the total.
Busiest three: April 13, May 6, June 3.
No hail was reported in 6 of the 12 months (January to December, in calendar order).
The costliest storm day on record in the county was June 26, 2025.
The county saw 4 tornadoes, the strongest rated EF1.
Source: NOAA Storm Events, 2014–June 2026Reported hail locations, Buchanan County
- 1+ in
- 1.75+ in
- 2.75+ in
Hail reports per year
| 2018 | 3 |
|---|---|
| 2019 | 5 |
| 2022 | 1 |
| 2023 | 3 |
| 2024 | 1 |
13 recorded hail events across 5 years represented in the data. 2019 had the most events among represented full years: 5.
The last bar is a partial year.
Source: NOAA Storm Events, 2014–June 2026 St. Joseph storm history · Hail risk lookup
Areas PickARoofer contractors serve in St. Joseph
- Westside District
- Downtown St. Joseph
- Northwest Missouri State University Area
- St. Joseph Country Club Neighborhood
- Southwest District
ZIP codes: 64502, 64503, 64510, 64507, 64509.
Roof cost in St. Joseph: questions
In St. Joseph, what does a roof replacement cost?
In St. Joseph, how many weeks of pay is a new roof?
In St. Joseph, should I repair or replace my roof?
For a St. Joseph home, is a re-roof a big bill?
When does hail hit St. Joseph?
Does a St. Joseph roofer need a license?
For a St. Joseph roof, who pulls the permit?
How many roofing firms work near St. Joseph?
Buchanan County fact sheet for St. Joseph homeowners
Federal disaster declarations and your state's claim deadlines for the county, from public records.
Federal disaster declarations naming Buchanan County
4 declarations name Buchanan County (3 storm, 1 flood, 0 winter, 0 fire), against 10 NOAA hail days in Buchanan County of 1 in or more in 8 of the 12 full years. The latest in Buchanan County was 1,840 days ago.
Source: OpenFEMA Disaster Declarations Summaries · data as of declarations since 2014More for St. Joseph
Cite this page
Data version: Prices compiled June 2026. Free to quote with credit under CC BY 4.0.