St. Joseph: Economy & Jobs

Median household income in St. Joseph is $-666,666,666, with homes at a median value of $-666,666,666. The surrounding county supports 47,217 jobs (avg $53,566).

Income & Affordability

Median household income $-666,666,666 — below the Kentucky median ($65,103). Poverty rate 85.4% (U.S. average ~12.5%).

Irs Income · IRS tax returns filed	$47,050
Irs Income · Total Adjusted Gross Income (thousands)	$3,155,486
Irs Income · Average AGI per return	$67,067
Irs Income · Year	2022
Income Estimate	$74,436
Median Household Income	$-666,666,666 (vs Kentucky $65,103)
Poverty Rate	85.4%

Sources: IRS SOI 2022 · Census ACS 5-Year 2023 · Refreshed 2026-04-12

Employment & Workforce

Employment + workforce stats. The county-level employment count covers all jobs within the county, not just town residents. 100% work from home (U.S. average ~15%).

Commuter Profile · Mean Commute Min	19.30
Commuter Profile · Work From Home Pct	100.0%
Commuter Profile · Profile	remote work hub
Employment · Avg annual employment (county)	47,217
Employment · Total annual wages (county)	$2,529,215,889
Employment · Average annual pay	$53,566
Employment · Year	2024
State Occupation Wages · Year	2023
State Occupation Wages · All Occupations · Soc Code	00-0000
State Occupation Wages · All Occupations · Title	All Occupations
State Occupation Wages · All Occupations · Employment	1,963,060

Sources: BLS QCEW 2023 · BLS Occupational Employment and Wage Statistics (OES) · Refreshed 2026-04-12

Industry Sectors

Major industries by establishment count from Census County Business Patterns (2022). Sectors are NAICS-coded; counts are county-wide employer establishments.

Agriculture · Total Farms	65
Agriculture · Land In Farms Acres	25,800
Agriculture · Avg Farm Size Acres	396.90
Agriculture · Top Commodities	Crop Totals, Grain, Animal Totals, Corn, Soybeans
Agriculture · Year	2022
Business Patterns · Establishments (employer count)	2,392
Business Patterns · Total Employees	43,076
Business Patterns · Annual Payroll Thousands	2,036,640
Business Patterns · Year	2022

Sources: USDA NASS Census 2022 — county FIPS matched · Census CBP API — county FIPS match

Local Business Mix

Retail and service businesses by category (Census CBP NAICS-coded). Counts cover the surrounding county, not just the town. Reflects the everyday commercial mix residents can access.

Local Businesses · Grocery Stores	14
Local Businesses · Convenience Stores	5
Local Businesses · Liquor Stores	19
Local Businesses · Gas Stations	57
Local Businesses · General Merchandise	30
Local Businesses · Clothing Stores	7
Local Businesses · Pet Stores	3
Local Businesses · Electronics Stores	6

Sources: Census CBP — NAICS detail codes

Dining Scene

Eating + drinking establishments by NAICS category (Census CBP 2022) — full-service restaurants, fast-food, bars, coffee shops. County-level counts.

Dining Scene · Full Service Restaurants	70
Dining Scene · Fast Food	83
Dining Scene · Bars	6
Dining Scene · Coffee Snacks	19

Sources: Census CBP NAICS 722

Banking

FDIC-insured bank branches with addresses. Branch density correlates with population — fewer branches per resident in lower-density areas.

Branches (10)

Independence Bank of Kentucky

HIGHWAY 54 BRANCH · 3228 Highway 54 · 42303

South Central Bank, Inc.

FREDERICA STREET BRANCH · 2715 Frederica St · 42301

PNC Bank, National Association

FREDERICA STREET BRANCH · 3013 Frederica St · 42301

JPMorgan Chase Bank, National Association

FREDERICA STREET BRANCH · 2938 Frederica St · 42301

Truist Bank

OWENSBORO DOWNTOWN BRANCH · 100 W 3rd St · 42303

German American Bank

OWENSBORO SOUTH FREDERICA BRANCH · 3560 Frederica St · 42301

U.S. Bank National Association

NEW HARTFORD BRANCH · 2701 New Hartford Rd · 42303

First United Bank and Trust Company

PARRISH AVE. BRANCH · 3012 W Parrish Ave · 42301

Old National Bank

OWENSBORO BRANCH · 123 W 4th St · 42303

Fifth Third Bank, National Association

OWENSBORO SOUTH BRANCH · 3205 Frederica St · 42301

SNAP & Food Access

USDA-authorized SNAP retailers — supermarkets, super stores, convenience stores, and other locations where SNAP benefits can be redeemed. Per-1K density tracks food access.

Sample (3)

DOLLAR GENERAL 8647

Other · 10133 Main St

HOUCHENS WHITESVILLE IGA 46

Supermarket · 10035 US HWY 54 E

Shree Khodal Krupa LLC - Vessels Mini Market

Convenience Store · 9227 Highway 54

Nearest Snap · Name	Kinsman Asian Grocery Store Llc
Nearest Snap · Distance	0.1 mi

Sources: USDA SNAP — nearest by coordinates

Chamber of Commerce

IRS-registered chamber of commerce organizations matched to this town. Reflects the IRS Exempt Organizations BMF; some chambers operate informally and may not appear here.

Chamber Of Commerce · Name	OWENSBORO-DAVIESS COUNTY CHAMBER OF COMMERCE INC

Sources: IRS EO BMF · Refreshed 2026-04-12

Spending & Tax

Federal spending flowing to the surrounding county — direct payments, grants, contracts, loans (USAspending.gov).

Federal Spending · Federal Spending Fy2024	$669,642,678
Federal Spending · Per Capita	6,481.75
Federal Spending · Population	103,312 people

Sources: USAspending API

Other

Pct Walked	100.0%
Retirement Score · Median age	69.4 years (vs Kentucky 39.2y)
Retirement Score · Ss Household Pct	100.0%
Retirement Score · Hospitals Nearby	1
Retirement Score · Va Access	Yes
Retirement Score · Factors	older population, strong SS base, hospital access, VA nearby
Retirement Score · Rating	excellent

Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12