St. James, MI population, income and ZIP codes

St. James CDP is a very small community in Michigan, with 259 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #649 of 745 ranked by population — larger than 12% of them. The median age here is 54.8 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. 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 $82,708 a year, 5.3% above the national figure of $78,538 and 34% above the $61,715 median for the 438 Michigan 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 10.1% of residents here, below the 12.4% national rate.

The typical owner-occupied home in St. James CDP is valued at $275,000, 9.4% below the national figure and 66% above the $166,100 peer median, while median gross rent runs $925 a month, 34.2% below the national figure, or roughly $11,100 across a full year. A household on the local median income would put about 13.4% 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 3.3×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 89% 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.

A median age of 54.8 puts St. James CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. With 259 residents, a handful of survey responses moves every median on this page. Compare St. James CDP against its county rather than against national figures.

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.