St. James, NY population, income and ZIP codes

St. James CDP is a mid-size town in New York, with 13,680 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #149 of 1,292 ranked by population — larger than 88% of them. The median age here is 47.4 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in St. James CDP earn a median of $130,556 a year, 66.2% above the national figure of $78,538 and 42% above the $91,806 median for the 847 New York 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 2.9% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in St. James CDP is valued at $632,900, 108.6% above the national figure and 100% above the $315,800 peer median, while median gross rent runs $2,192 a month, 55.9% above the national figure, or roughly $26,304 across a full year. A household on the local median income would put about 20.1% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 4.8×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 87.2% 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.