St. James, MN population, income and ZIP codes

St. James city is a small town in Minnesota, with 4,740 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #160 of 914 ranked by population — larger than 82% of them. The median age here is 37 years against 39.1 nationally, a slightly younger 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 city earn a median of $57,031 a year, 27.4% below the national figure of $78,538 and 24% below the $75,469 median for the 361 Minnesota cities we cover. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 19.3% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in St. James city is valued at $109,600, 63.9% below the national figure and 54% below the $240,400 peer median, while median gross rent runs $805 a month, 42.7% below the national figure, or roughly $9,660 across a full year. A household on the local median income would put about 16.9% 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 1.9×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 68.8% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

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.