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St. James, MI
Full City Profile · Michigan · Charlevoix County County
3.3
/5.0
B
Good
259
Population
251/sq mi density
$82,708
Median Income
$36,030 per capita
$275,000
Home Value
$186,047 Zillow
$925
Median Rent
26.3% income on rent
45°F
Avg Temperature
258 sunny days/yr
197
Violent Crime/100K
5,039 property/100K
B
Overall
3.3 / 5.0
Good overall score based on economy, affordability, safety and education
B
Economy
3.1 / 5.0
$82,708 median income, 10.8% unemployment
A+
Affordability
4.8 / 5.0
$275,000 home value, $925/mo rent
F
Safety
1.0 / 5.0
197 violent crimes/100K
A
Education
4.2 / 5.0
40.4% bachelor's degree or higher
Housing Overview
Median Home Value
$275,000
2% below
US avg: $281,900
Median Rent
$925/mo
20% below
US avg: $1,163/mo
Homeownership Rate
89.0%
36% above US avg (65.4%)
Total Housing Units
252
Median year built: 1963
Home Value by Source
Census Median
$275,000
Zillow (ZHVI)
$186,047
Census ACS, Zillow ZHVI, Redfin median sale price
Ownership vs. Renting
89.0%
Owner-Occupied
11.0%
Renter-Occupied
US avg: 65.4% owner-occupied
Fair Market Rents (HUD FY2026)
Studio
$807/mo
1 Bedroom
$891/mo
2 Bedroom
$1,113/mo
3 Bedroom
$1,419/mo
4 Bedroom
$1,588/mo
Census median rent:
$925/mo
Affordability & Housing Stock
Rent Burden
26.3%
of renters spending 30%+ of income on housing
15% below US avg (31.0%)
Median Year Built
1963
Average age of housing stock: 63 years
Homeownership Rate
89.0%
Complete Housing Data
Home Values
| Census Median Value | $275,000 |
| Zillow Home Value (ZHVI) | $186,047 |
Rent
| Census Median Rent | $925 |
| FMR Studio | $807 |
| FMR 1-Bedroom | $891 |
| FMR 2-Bedroom | $1,113 |
| FMR 3-Bedroom | $1,419 |
| FMR 4-Bedroom | $1,588 |
Market
Ownership & Stock
| Owner-Occupied | 89.0% |
| Renter-Occupied | 11.0% |
| Homeownership Rate | 89.0% |
| Total Housing Units | 252 |
| Median Year Built | 1963 |
| Rent Burden | 26.3% |