The typical owner-occupied home in Saint James is worth about $142,000, 38% below the Missouri median of $230,300 and 57% below the national median of $332,700. Owners pay a median $1,017 a year in property taxes, about 0.72% of their home's value, lower than the Missouri rate of 0.85%. The median household earns $53,453 a year, so the median home costs 2.7 times the median income (3.3 times for Missouri). 58% of occupied homes here are lived in by their owners, and 60% of those owners still have a mortgage.
Saint James at a glance
| Saint James | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $142,000 | $230,300 | $332,700 |
| Median property tax paid per year | $1,017 | $1,948 | $3,119 |
| Property tax as a share of value | 0.72% | 0.85% | 0.94% |
| Median household income | $53,453 | $70,702 | $80,734 |
| Homes lived in by their owners | 58% | 68% | 65% |
| Owner homes with a mortgage | 60% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $940 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 15.4% | 19.0% | 21.0% |
| Median rent | $695 | $1,033 | $1,413 |
| Rent as a share of renters' income | 27.5% | 28.1% | 30.6% |
| Median year homes were built | 1976 | 1978 | 1980 |
| Vacant homes | 19.9% | 11.2% | 10.1% |
| Population | 3,916 | 6,191,814 | 334,922,499 |
What a typical home costs per month in Saint James
At this week's average 30-year rate of 7.11%, buying the median Saint James home of $142,000 with 20% down costs about $909 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,145, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $38,938 for the 20%-down payment. That payment is 20% of the median Saint James household income of $53,453; at that income and 20% down, the 28% guideline points to a home of about $195,000.
The median rent here is $695 a month, so owning the median home costs about $214 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $28,400 |
|---|---|
| Loan amount | $113,600 |
| Principal and interest | $764 |
| Property taxes (0.72% a year) | $85 |
| Homeowners insurance (our estimate, 0.5% a year) | $59 |
| PMI | $0 |
| Total per month | $909 |
Change the numbers in the calculator
| Down payment | $4,970 |
|---|---|
| Loan amount | $139,428 |
| Principal and interest | $938 |
| Property taxes (0.72% a year) | $85 |
| Homeowners insurance (our estimate, 0.5% a year) | $59 |
| FHA mortgage insurance | $63 |
| Total per month | $1,145 |
Change the numbers in the calculator
Questions about home buying in Saint James
What is the median home value in Saint James?
About $142,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Saint James?
Homeowners pay a median $1,017 a year, which is about 0.72% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Saint James?
For the median home with 20% down at 7.11%, the payment is about $909 a month. Keeping that under 28% of gross income takes about $38,938 a year.
More about Saint James
- Mortgage Refinance in Saint James
- Debt Relief in Saint James
- Home Equity Loans in Saint James
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data