Saint James, NY—11780
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saint James, NY
As of Oct '25, the median home price in Saint James, NY is $802,000, with a year-over-year change of 5.7%. This indicates that home prices in Saint James, NY are increasing. According to Zillow, the 1-year price projection is 1.8%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $802,000 | 5.7% |
| Single Family | $836,000 | 6.4% |
| Condos | $518,000 | 7.5% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $463,000 | 6.9% |
2 Bed | $552,000 | 6.2% |
3 Bed | $701,000 | 5.7% |
4 Bed | $964,000 | 8.2% |
| 5 Bed | $1,304,000 | 7.4% |
% of Housing Stock
Rental Trends — Saint James, NY
As of July '25, Rentcast reports the average rent in Saint James, NY is $3,060, with a year-over-year rent change of 7.7%. Per bedroom, the median rent as of July '25 in Saint James, NY is studios: $2,240, 1-bedrooms: $2,610, 2-bedrooms: $2,860, 3-bedrooms: $4,130, 4-bedrooms: $4,500. The most common rental property sizes in Saint James, NY are 1-bedroom and 3-bedroom, accounting for 32.0% and 23.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,660 | $3,060 |
| Studio Rent | $2,220 | $2,240 |
| 1 Bed Rent | $2,660 | $2,610 |
| 2 Bed Rent | $2,800 | $2,860 |
| 3 Bed Rent | $4,000 | $4,130 |
| 4 Bed Rent | $4,500 | $4,500 |
% of Rental Stock
Property Listings — Saint James, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Saint James, NY is 68. This is a increase of 21.0% 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 12.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,190,000 | 25.0% |
Listing Count | 69 | -10.0% |
| Listings as % of Homes | 0.9% | -10.0% |
Days on Market | 68 | 21.0% |
Demographics — Saint James, NY
As of the latest ACS Survey released in 2023, Saint James, NY has a population of 15,600, which has decreased by -1.1% over the past 5 years. Saint James, NY is a moderately popular place for families, as children make up 19.6% of the population. The area has a highly educated workforce, with 51.8% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 14.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 15,600 | -1.1% |
% Under 18 | 19.6% | -8.8% |
% Seniors | 21.9% | 9.0% |
% WFH | 14.2% | 246.3% |
% w/ College Degree | 51.8% | 1.4% |
As of the latest ACS Survey released in 2023, Saint James, NY is a predominantly white area, with 81.0% of the population identifying as white. The white population has shrunk by 4.1% in the last 5 years. The second most common race or ethnicity in Saint James, NY is hispanic, making up 11.4% of the population. Foreign-born residents account for 9.1% of the population in Saint James, NY, and this percentage has increased by 28.2% 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 | 81.0% | -4.1% |
% Black | 0.7% | -50.0% |
% Hispanic | 11.4% | 86.9% |
% Asian | 4.8% | -27.3% |
% Foreign Born | 9.1% | 28.2% |
Mortgage and Risk — Saint James, NY
According to HUD data as of 2023, there were 253 mortgage originations in Saint James, NY, of which 94.0% of loans were conventional mortgages. The average loan-to-value was 50.0%, with 9.0% above 90% LTV (normal). This implies small mortgage risk in Saint James, NY. Investor activity is low, as 1.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 253 |
% Conventional Loans | 94.0% |
% Government Loans | 6.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Saint James, NY
As of 2024, the percent of homes in Saint James, NY under the Section 8 program is 1.1%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Saint James, NY, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 10 |
Total Units Section 8 | 8 |
% Rentals under Section 8 | 1.1% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$540 | $2,660 | $2,120 |
| 2 Bedroom | -$350 | $2,800 | $2,450 |
| 3 Bedroom | -$820 | $4,000 | $3,180 |
| 4 Bedroom | -$1,100 | $4,500 | $3,400 |
Affordability — Saint James, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.8 |
| Median Home Price | $802,000 |
| Median Household Income | $142,000 |