The typical owner-occupied home in Saint James is worth about $652,700, 54% above the New York median of $423,800 and 96% above the national median of $332,700. Owners pay a median $10,001 a year in property taxes, about 1.53% of their home's value, close to the New York rate of 1.55%. The median household earns $142,368 a year, so the median home costs 4.6 times the median income (4.9 times for New York). 88% of occupied homes here are lived in by their owners, and 58% of those owners still have a mortgage.
Saint James at a glance
| Saint James | New York | U.S. | |
|---|---|---|---|
| Median home value | $652,700 | $423,800 | $332,700 |
| Median property tax paid per year | $10,001 | $6,582 | $3,119 |
| Property tax as a share of value | 1.53% | 1.55% | 0.94% |
| Median household income | $142,368 | $85,974 | $80,734 |
| Homes lived in by their owners | 88% | 54% | 65% |
| Owner homes with a mortgage | 58% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $3,746 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 26.5% | 22.5% | 21.0% |
| Median rent | $2,218 | $1,621 | $1,413 |
| Rent as a share of renters' income | 33.1% | 31.2% | 30.6% |
| Median year homes were built | 1970 | 1959 | 1980 |
| Vacant homes | 2.6% | 10.0% | 10.1% |
| Population | 13,244 | 19,852,366 | 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 $652,700 with 20% down costs about $4,617 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $5,704, 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 $197,861 for the 20%-down payment. That payment is 39% of the median Saint James household income of $142,368; at that income and 20% down, the 28% guideline points to a home of about $470,000.
The median rent here is $2,218 a month, so owning the median home costs about $2,399 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $130,540 |
|---|---|
| Loan amount | $522,160 |
| Principal and interest | $3,513 |
| Property taxes (1.53% a year) | $832 |
| Homeowners insurance (our estimate, 0.5% a year) | $272 |
| PMI | $0 |
| Total per month | $4,617 |
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| Down payment | $22,844 |
|---|---|
| Loan amount | $640,878 |
| Principal and interest | $4,311 |
| Property taxes (1.53% a year) | $832 |
| Homeowners insurance (our estimate, 0.5% a year) | $272 |
| FHA mortgage insurance | $289 |
| Total per month | $5,704 |
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Questions about home buying in Saint James
What is the median home value in Saint James?
About $652,700 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 $10,001 a year, which is about 1.53% 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 $4,617 a month. Keeping that under 28% of gross income takes about $197,861 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