St. James, MD population, income and ZIP codes

St. James CDP is a small town in Maryland, with 4,581 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #210 of 536 ranked by population — larger than 60% of them. The median age here is 40.3 years against 39.1 nationally, a slightly older profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in St. James CDP earn a median of $103,105 a year, 31.3% above the national figure of $78,538 and 5% below the $109,026 median for the 332 Maryland cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 3.1% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in St. James CDP is valued at $390,800, 28.8% above the national figure and within a couple of points of the $397,200 peer median, while median gross rent runs $1,252 a month, 11% below the national figure, or roughly $15,024 across a full year. A household on the local median income would put about 14.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3.8×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 80% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.