Median Income
$103,105
37% higher than US avg
Home Value
$390,800
39% higher than US avg
Violent Crime
650/100K
71% higher than US avg
Bachelor's+
33.7%
0% lower than US avg
Median Rent
$1,252
8% higher than US avg
Obesity Rate
34.6%
8% higher than US avg
Unemployment
0.4%
89% lower than US avg
Poverty Rate
1.6%
87% lower than US avg
How St. James Compares to the U.S. Average (100% = U.S. avg)
People
Population4,581
Median Age40.3 yrs
Density757/mi²
Male / Female51% / 49%
Largest GroupWhite 66%
Veterans8.8%
Economy
A+
Median Income$103,105
Per Capita$39,711
Unemployment0.4%
Poverty1.6%
County GDP$9,961M
Commute44 min
Housing
A+
Home Value$390,800
Rent$1,252
Ownership80.0%
Zillow$412,346
Housing Units1,606
Rent Burden24.4%
Crime
F
Violent650/100K
Property3,619/100K
Health
Obesity34.6%
Uninsured7.7%
Smoking11.1%
Depression21.4%
Heart Disease4.6%
Climate
Avg Temp54°F (12°C)
AQI41 (Good)
Rain43.6 in/yr
Sunny Days293/yr
Elevation509 ft (155 m)
Education
B+
Bachelor's+33.7%
High School+93.4%
Graduate+12.1%
School Score5.84
Community
2024 VoteR 60% / D 37%
Commute44 min
Broadband95.5%
EV Stations31
Libraries9
Is St. James a Good Place to Live?
Based on current data, St. James receives an overall livability score of 3.6 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, low unemployment, abundant sunshine, a low poverty rate. Areas to be aware of include elevated crime rates, long commute times. St. James offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in St. James is $103,105, which is significantly higher than the national average / 37% above $75,149. This places St. James among higher-income communities. The job market is very strong with unemployment at just 0.4%. Only 1.6% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 44 minutes, longer than the typical American commute of 28 minutes.
Cost of Living & Housing
The median home value in St. James is $390,800, 39% above the national median. Renters pay a median of $1,252 per month. A price-to-income ratio of 3.8x indicates a reasonably affordable housing market.
Safety & Crime
With 650 violent crimes per 100,000 residents, public safety is a notable concern / this is significantly above the national average of 380. Property crime occurs at a rate of 3,619 per 100,000, 85% above the national average.
Education
Educational attainment is solid, with 33.7% holding a bachelor's degree or higher, near the national average. 93.4% have completed high school. Area schools have an average test score of 5.8/10.
Climate & Weather
St. James experiences four distinct seasons with an average temperature of 54°F. Winters average 31°F in January while summers reach 76°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 43.6 inches. Air quality is rated Good with a median AQI of 41.
St. James has a population of 4,581 with a density of 757 people per square mile, spread across 6.0 square miles. The median age is 40.3 years, 4% older than the national median of 38.9. The gender split is 49.1% female and 50.9% male. The city is predominantly White (65.6%), with 1.6% Hispanic, 6.1% Black. English is the primary language spoken at home by 84.4% of residents, while 15.6% speak Spanish. 8.8% of the population are veterans, above the national rate of 6.0%. 10.8% of residents have a disability. 98.7% have health insurance coverage.
Population
40.3yrs
Median Age
4% above US avg
Race & Ethnicity
St. James vs U.S. Average
Language Spoken at Home
English Only
84.4%
8% above US avg
Spanish
15.6%
16% above US avg
Social Characteristics
St. James vs U.S. Average
The median household income in St. James is $103,105, which is 37% above the national average of $75,149. Per capita income is $39,711. The average weekly wage is $1,120, 22% lower than the U.S. average. The unemployment rate is 0.4% (below the 3.6% US average). 1.6% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 3,704 business establishments, including 333 restaurants. The cost of living index is 105, roughly in line with the national average. Workers commute an average of 44 minutes (longer than the 28-minute US average). 10.5% of workers work from home (below the 15.2% national rate).
Income: St. James vs U.S.
Income
| Median HH Income | $103,105 |
| 37% above US avg |
| Per Capita Income | $39,711 |
| Avg Weekly Wage | $1,120 |
| IRS Avg AGI | $68,244 |
| Gini Index | 0.441 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.4% |
| 89% below US avg |
| Poverty Rate | 1.6% |
| 87% below US avg |
| Establishments (County) | 3,704 |
| County GDP | $9,961M |
Business (County)
| Restaurants | 333 |
| Healthcare | 446 |
| Retail | 547 |
| Manufacturing | 135 |
Tax & Cost of Living
| Property Tax (IRS) | $3,722 |
| 6% above US avg |
| Cost of Living | 105.00 (100=avg) |
| Effective Tax Rate | 0.95% |
Commute & Transportation
| Commute Time | 44.2 min |
| Drive Alone | 77.6% |
| Public Transit | 3.9% |
| Work from Home | 10.5% |
The median home value in St. James is $390,800, 39% above the national median of $281,900. Zillow estimates the typical home value at $412,346. Homes sell for 97.6% of their list price. Monthly rent averages $1,252 (8% above the national average of $1,163). Fair market rent ranges from $1,400 for a one-bedroom to $1,648 for a two-bedroom apartment. 80.0% of housing units are owner-occupied (above the 65.4% national rate). There are 1,606 total housing units in the city. The median year a home was built is 2000. The average annual property tax is $3,722. 24.4% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.8x.
Home Values
| Census Median | $390,800 |
| 39% above US avg |
| Zillow ZHVI | $412,346 |
| Median List Price | $493,000 |
Real Estate Market (Redfin)
| Median List Price | $493,000 |
| $/Sq Ft | $265 |
| Homes Sold | 2 |
| Sale-to-List Ratio | 97.6% |
| Price Drops | 43.8% |
| Inventory | 16 |
Rental Costs
| Census Median Rent | $1,252 |
| 8% above US avg |
| Rent Burden | 24.4% |
HUD Fair Market Rent
| Studio | $1,312 |
| 1 Bedroom | $1,400 |
| 2 Bedrooms | $1,648 |
| 3 Bedrooms | $2,123 |
| 4 Bedrooms | $2,442 |
Ownership & Property
| Homeownership | 80.0% |
| Owner-Occupied | 80.0% |
| Renter-Occupied | 20.0% |
| Housing Units | 1,606 |
| Median Year Built | 2000 |
Property Tax
| Avg Tax (IRS) | $3,722 |
| 6% above US avg |
| Effective Rate | 0.95% |
In St. James, 34.6% of adults are obese, above the national rate of 32.1%. 9.5% have diabetes. Heart disease affects 4.6% of residents, below the national average. 31.1% have high blood pressure. 11.1% are current smokers (below the 14.0% national rate). 15.4% report binge drinking. 23.3% are physically inactive. 21.4% report depression. 15.8% experience frequent mental distress. 7.7% of residents lack health insurance. The primary care physician ratio is 1:1,823. The dentist ratio is 1:1,788. 80.6% of residents have access to exercise opportunities. The food environment index is 7.6 out of 10.
Health Metrics: St. James vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.6% |
| 8% above US avg |
| Diabetes | 9.5% |
| Heart Disease | 4.6% |
| High Blood Pressure | 31.1% |
| Asthma | 10.1% |
| COPD | 5.0% |
| Cancer | 7.2% |
| Stroke | 2.5% |
Behaviors & Mental Health
| Smoking | 11.1% |
| 21% below US avg |
| Binge Drinking | 15.4% |
| Physical Inactivity | 23.3% |
| Depression | 21.4% |
| Mental Distress | 15.8% |
| Physical Distress | 10.9% |
| Short Sleep | 39.7% |
Healthcare Access
| Insurance Rate | 98.7% |
| Uninsured | 7.7% |
| 10% below US avg |
| Primary Care | 1:1,823 |
| Dentists | 1:1,788 |
| Mental Health | 1:307 |
| Checkup Rate | 78.0% |
| Dental Visits | 67.0% |
| Premature Death | 10,710/100K |
Food & Exercise
| Food Environment | 7.6/10 |
| Exercise Access | 80.6% |
| Healthcare Facilities | 446 |
St. James has a violent crime rate of 650 per 100,000 residents, 71% above the national average of 380. Property crime stands at 3,619 per 100,000, 85% above the U.S. average. The county recorded 19 fatal traffic crashes. Overall, St. James receives a safety grade of F.
Crime Rates: St. James vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 649.8/100K |
| 71% above US avg |
| |
Property Crime
| Total Property | 3,619.3/100K |
| 85% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 19 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
St. James experiences four distinct seasons with an average annual temperature of 54°F (12°C). Winters average 31°F in January while summers reach 76°F in July. The area gets 293 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 43.6 inches. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 509 feet.
Temperature
31°F Jan (-0°C)
76°F Jul (25°C)
| Annual Average | 54.2°F |
| 0% below US avg |
| January Average | 31°F (-0°C) |
| July Average | 76°F (25°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 509 ft (155 m) |
| Area | 6.0 sq mi (15.6 km²) |
| Population Density | 757/sq mi |
| Coordinates | 39.5738°N, 77.7482°W |
| Timezone | America/New_York |
| County | Washington County County |
| Nearest Airport | Hagerstown Regional/Richard A Henson Field (HGR) 9 miles away |
Precipitation & Snow
Annual Rainfall
43.6"
15% above US avg
Wettest Month (May)
3.94"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0452 ppm |
| PM2.5 (Fine Particles) | 6.9 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 68.8 / 100 |
| Social Vulnerability | 44.6 / 100 |
| Community Resilience | 73.2 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Relatively Moderate |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
18 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.6. Most recent: M2.6 on Jun 25, 2021.
| Jul 16, 2010 |
5 km NNW of Barnesville, Maryland |
M3.6 |
45 km |
| Jun 13, 2019 |
9 km N of Blain, Pennsylvania |
M3.4 |
97 km |
| Jun 3, 2010 |
4 km ENE of Franklintown, Pennsylvania |
M3.1 |
87 km |
| Jan 17, 2016 |
3 km NE of Ranson, West Virginia |
M3.0 |
29 km |
| Nov 14, 1997 |
0 km S of Rothsville, Pennsylvania |
M3.0 |
143 km |
| Apr 24, 2009 |
1 km S of Franklintown, Pennsylvania |
M2.9 |
82 km |
| Sep 15, 2019 |
5 km ESE of East Berlin, Pennsylvania |
M2.8 |
81 km |
| Oct 25, 2009 |
4 km ENE of Franklintown, Pennsylvania |
M2.8 |
88 km |
| Mar 15, 1993 |
5 km W of Columbia, Maryland |
M2.7 |
82 km |
| Oct 28, 1994 |
1 km E of Mount Vernon, Maryland |
M2.7 |
103 km |
| Mar 11, 1995 |
0 km ENE of Landisville, Pennsylvania |
M2.7 |
129 km |
| Jan 13, 1990 |
6 km ENE of Eldersburg, Maryland |
M2.6 |
76 km |
| Jun 25, 2021 |
2 km SE of Woodlawn, Maryland |
M2.6 |
94 km |
| Jan 18, 1994 |
3 km SE of Clay, Pennsylvania |
M2.6 |
147 km |
| Sep 29, 1997 |
Virginia |
M2.5 |
88 km |
| Jul 27, 1997 |
5 km SSE of Culpeper, Virginia |
M2.5 |
129 km |
| Mar 10, 1993 |
3 km WSW of Columbia, Maryland |
M2.5 |
84 km |
| Jun 25, 2001 |
8 km S of Remington, Virginia |
M2.5 |
124 km |
Source: USGS (M2.5+, 1990–2025)
Hurricane History
1 hurricane (Cat 1+) within 500 km since 1980.
Strongest: Category 1. Most recent: Irene (2011, Cat 1).
| Year |
Name |
Category |
Closest |
| 2011 |
Irene |
Category 1 |
289 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
346 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 2 fatalities, 205 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Sep 24, 2001 |
EF3 |
98 km |
2 |
| Jul 19, 1996 |
EF3 |
66 km |
0 |
| May 22, 1983 |
EF3 |
45 km |
0 |
| Jun 7, 1980 |
EF3 |
74 km |
0 |
| Apr 1, 1973 |
EF3 |
93 km |
0 |
| Apr 16, 1961 |
EF3 |
56 km |
0 |
| Apr 5, 1952 |
EF3 |
70 km |
0 |
| Apr 19, 2019 |
EF2 |
38 km |
0 |
| Nov 2, 2018 |
EF2 |
56 km |
0 |
| Apr 28, 2011 |
EF2 |
92 km |
0 |
| Sep 17, 2004 |
EF2 |
97 km |
0 |
| Sep 17, 2004 |
EF2 |
33 km |
0 |
| Sep 17, 2004 |
EF2 |
26 km |
0 |
| Sep 17, 2004 |
EF2 |
58 km |
0 |
| Sep 17, 2004 |
EF2 |
87 km |
0 |
| Sep 24, 2001 |
EF2 |
68 km |
0 |
| Jul 19, 1996 |
EF2 |
22 km |
0 |
| Jun 24, 1996 |
EF2 |
83 km |
0 |
| Apr 30, 1994 |
EF2 |
27 km |
0 |
| Sep 27, 1993 |
EF2 |
88 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
6 wildfires (100+ acres) within 100 km.
Largest: WAITES RUN (5,496 ac, 2024).
| Year |
Name |
Acres |
Distance |
| 2024 |
WAITES RUN |
5,496 |
94 km |
| 2011 |
SMITH RUN FIRE |
1,908 |
93 km |
| 2012 |
POINT 2 |
1,126 |
93 km |
| 2014 |
BEAR DEN |
945 |
84 km |
| 1984 |
UNNAMED |
696 |
86 km |
| 2005 |
UNNAMED |
510 |
93 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
31°F (-0°C) |
2.6 in |
Coldest |
| February |
33°F (1°C) |
2.5 in |
Driest |
| March |
42°F (5°C) |
3.3 in |
|
| April |
52°F (11°C) |
3.3 in |
|
| May |
62°F (17°C) |
3.9 in |
Wettest |
| June |
71°F (22°C) |
3.7 in |
|
| July |
76°F (25°C) |
3.5 in |
Warmest |
| August |
74°F (23°C) |
3.4 in |
|
| September |
67°F (19°C) |
3.2 in |
|
| October |
55°F (13°C) |
3.2 in |
|
| November |
45°F (7°C) |
3.2 in |
|
| December |
35°F (2°C) |
2.8 in |
|
St. James has a seasonal temperature swing of 45°F / from 31°F in January to 76°F in July. Total annual precipitation is 38.8 inches, with May being the wettest month (3.9") and February the driest (2.5").
Average costs for common services in St. James. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$263 ($158–$420) |
| Specialist Visit |
$368 ($210–$578) |
| Urgent Care Visit |
$210 ($105–$368) |
| Emergency Room Visit |
$2,310 ($840–$5,250) |
| Dental Cleaning |
$137 ($79–$210) |
| Dental Filling |
$263 ($158–$420) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$47 ($26–$79) |
| Oil Change (Synthetic) |
$79 ($53–$126) |
| Brake Pad Replacement |
$315 ($158–$525) |
| Tire Rotation |
$42 ($21–$79) |
| New Tires (Set of 4) |
$630 ($420–$1,050) |
| Battery Replacement |
$210 ($105–$368) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$105 ($63–$158) |
| Electrician (Per Hour) |
$95 ($53–$147) |
| HVAC Repair |
$420 ($158–$840) |
| HVAC System Install |
$7,350 ($4,200–$12,600) |
| Roof Repair |
$1,050 ($420–$2,100) |
| Roof Replacement |
$9,450 ($5,775–$15,750) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,575 ($525–$3,675) |
| Divorce (Contested) |
$15,750 ($5,250–$31,500) |
| DUI Defense |
$5,250 ($2,100–$10,500) |
| Bankruptcy (Chapter 7) |
$1,575 ($840–$3,150) |
| Will Preparation |
$525 ($210–$1,050) |
| Trust Preparation |
$2,625 ($1,050–$5,250) |
View all 12 services
Personal Care
| Men's Haircut |
$26 ($16–$47) |
| Women's Haircut |
$58 ($32–$105) |
| Hair Coloring (Full) |
$158 ($79–$263) |
| Manicure |
$26 ($16–$47) |
| Pedicure |
$42 ($26–$68) |
| Massage (1 Hour) |
$84 ($53–$137) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.31 ($3.15–$5.78) |
| Dozen Eggs (per dozen) |
$3.68 ($2.63–$5.25) |
| Loaf of Bread |
$3.99 ($2.63–$5.78) |
| Chicken Breast (per lb) |
$4.73 ($3.15–$6.83) |
| Ground Beef (per lb) |
$5.78 ($4.20–$7.88) |
| Rice (per lb) |
$1.05 ($0.63–$1.89) |
View all 20 services
Utilities
| Electricity (Monthly) |
$147 ($84–$263) |
| Natural Gas (Monthly) |
$74 ($32–$158) |
| Water/Sewer (Monthly) |
$74 ($42–$126) |
| Internet (Monthly) |
$74 ($42–$105) |
| Cell Phone Plan (Monthly) |
$68 ($32–$105) |
| Cable TV (Monthly) |
$89 ($53–$158) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$210 ($79–$525) |
| Car Insurance (Annual) |
$2,100 ($1,260–$3,675) |
| Bus Pass (Monthly) |
$74 ($32–$137) |
| Taxi/Uber (5-Mile Ride) |
$16 ($8.40–$26) |
| Car Registration (Annual) |
$105 ($32–$263) |
| Driver's License Renewal |
$32 ($16–$79) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,260 ($630–$2,625) |
| Daycare (Toddler, Monthly) |
$1,050 ($525–$2,100) |
| After-School Care (Monthly) |
$420 ($210–$735) |
| Tutoring (Per Hour) |
$53 ($26–$105) |
| SAT/ACT Prep Course |
$1,050 ($420–$2,625) |
| Private School (K-12, Annual) |
$13,125 ($5,250–$31,500) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$63 ($32–$105) |
| Dog Vaccination (Annual) |
$105 ($53–$210) |
| Dog Grooming |
$63 ($32–$105) |
| Pet Boarding (Per Night) |
$42 ($21–$79) |
| Dog Spay/Neuter |
$315 ($158–$525) |
| Cat Spay/Neuter |
$210 ($105–$420) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,102 |
| Toddler | $759 |
| Preschool | $759 |
| Family Childcare (monthly) |
| Infant | $765 |
| Toddler | $677 |
| Preschool | $677 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About St. James
What is the population of St. James?
St. James has a population of 4,581 residents and is located in Maryland. The population density is 757 people per square mile, spread across 6.0 square miles. The median age of residents is 40.3 years. The population is 49.1% female and 50.9% male.
Is St. James expensive to live in?
St. James has a cost of living roughly in line with the national average, with an index of 105 (baseline: 100). The median household income is $103,105, 37% above the national average of $75,149. The median home value is $390,800 (39% above the U.S. median). Renters pay a median of $1,252 per month. The home price-to-income ratio is 3.8x, indicating housing is reasonably affordable relative to local income levels.
Is St. James safe?
Public safety is a concern in St. James, with a violent crime rate of 650 per 100,000 / significantly above the national average of 380. However, crime tends to concentrate in certain areas, and many neighborhoods remain relatively safe. Property crime occurs at a rate of 3,619 per 100,000 (above the national average). Overall, St. James receives a safety grade of F based on combined crime data.
What is the weather like in St. James?
St. James has a four-season climate with an average annual temperature of 54°F (12°C). Winter temperatures average 31°F in January, while summers reach an average of 76°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 43.6 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in St. James?
The job market in St. James is very strong, with unemployment at just 0.4% / well below the national rate of 3.6%. The average weekly wage is $1,120. There are 3,704 business establishments in the area, including 333 restaurants and food service locations. The average commute time is 44 minutes, and 10.5% of workers work from home.
How much does housing cost in St. James?
The median home value in St. James is $390,800. Zillow estimates the typical home value at $412,346. For renters, the median monthly rent is $1,252. Fair market rent is $1,400 for a 1-bedroom and $1,648 for a 2-bedroom apartment. The homeownership rate is 80.0%. The average annual property tax is $3,722.
How are the schools in St. James?
Schools in St. James score 5.8 out of 10 on standardized testing, near the national average. 33.7% of adults in St. James hold a bachelor's degree or higher, below the national average of 33.7%. 93.4% have completed high school. 12.1% hold a graduate or professional degree.
How healthy is St. James?
The obesity rate in St. James is 34.6% (above the national rate of 32.1%). 11.1% of adults are smokers. 23.3% are physically inactive. 21.4% of residents report depression. 7.7% lack health insurance. 80.6% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,823.
What is transportation like in St. James?
The average commute in St. James is 44 minutes, longer than the national average of 28 minutes. 77.6% of workers drive alone to work, 3.9% use public transit, and 10.5% work from home.
What are the demographics of St. James?
The racial and ethnic makeup of St. James is 65.6% White, 6.1% Black or African American, 1.6% Hispanic or Latino. 84.4% of residents speak only English at home, while 15.6% speak Spanish. 8.8% of the population are military veterans. 10.8% of residents have a disability. 98.7% have health insurance coverage.