Saint James, MO—65559
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saint James, MO
As of Oct '25, the median home price in Saint James, MO is $221,000, with a year-over-year change of 3.3%. This indicates that home prices in Saint James, MO are increasing. According to Zillow, the 1-year price projection is 2.1%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $221,000 | 3.3% |
| Single Family | $221,000 | 2.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $157,000 | 5.4% |
2 Bed | $158,000 | 2.6% |
3 Bed | $227,000 | 3.7% |
4 Bed | $293,000 | 2.4% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Saint James, MO
As of July '25, Rentcast reports the average rent in Saint James, MO is $735, with a year-over-year rent change of -10.1%. Per bedroom, the median rent as of July '25 in Saint James, MO is studios: $450, 1-bedrooms: $672, 2-bedrooms: $625, 3-bedrooms: $1,050. The most common rental property sizes in Saint James, MO are 2-bedroom and 3-bedroom, accounting for 37.8% and 26.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $725 | $735 |
| Studio Rent | $450 | $450 |
| 1 Bed Rent | $550 | $672 |
| 2 Bed Rent | $400 | $625 |
| 3 Bed Rent | $725 | $1,050 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Saint James, MO
As of Oct '25, Realtor.com reports that the median days on market for a home in Saint James, MO is 59. This is a increase of 14.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 21.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $257,000 | -12.0% |
Listing Count | 47 | 49.0% |
| Listings as % of Homes | 0.6% | 49.0% |
Days on Market | 59 | 14.0% |
Demographics — Saint James, MO
As of the latest ACS Survey released in 2023, Saint James, MO has a population of 9,390, which has increased by 9.0% over the past 5 years. Saint James, MO is a moderately popular place for families, as children make up 24.5% of the population. The area has a poorly educated workforce, with 23.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 9,390 | 9.0% |
% Under 18 | 24.5% | 14.0% |
% Seniors | 21.4% | 21.6% |
% WFH | 8.0% | 281.0% |
% w/ College Degree | 23.5% | -1.3% |
As of the latest ACS Survey released in 2023, Saint James, MO is a predominantly white area, with 91.7% of the population identifying as white. The white population has shrunk by 0.4% in the last 5 years. The second most common race or ethnicity in Saint James, MO is hispanic, making up 2.8% of the population. Foreign-born residents account for 2.1% of the population in Saint James, MO, and this percentage has increased by Inf% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 91.7% | -0.4% |
% Black | 0.5% | 0.0% |
% Hispanic | 2.8% | -12.5% |
% Asian | 0.6% | 500.0% |
% Foreign Born | 2.1% | ∞% |
Mortgage and Risk — Saint James, MO
According to HUD data as of 2023, there were 102 mortgage originations in Saint James, MO, of which 46.0% of loans were conventional mortgages. The average loan-to-value was 82.0%, with 50.0% above 90% LTV (very high). This implies large mortgage risk in Saint James, MO. Investor activity is low, as 2.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 102 |
% Conventional Loans | 46.0% |
% Government Loans | 54.0% |
% Investor Loans | 2.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Saint James, MO
Saint James, MO lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 75 |
Total Units Section 8 | 75 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 86.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $130 | $550 | $680 |
| 2 Bedroom | $470 | $400 | $870 |
| 3 Bedroom | $425 | $725 | $1,150 |
| 4 Bedroom | N/A | N/A | $1,170 |
Affordability — Saint James, MO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.3 |
| Median Home Price | $221,000 |
| Median Household Income | $58,600 |