What are the schools like in St. James, MD?

School district data for St. James is sourced from the National Center for Education Statistics (NCES).

What is the median household income in St. James?

The median household income in St. James, MD is $105,962 according to the most recent US Census American Community Survey 5-year estimates. The unemployment rate is 0.5%.

What is the weather like in St. James, MD?

St. James has an average high temperature of 39.8°F in January and 86.2°F in July. Annual precipitation averages 43.5 inches and annual snowfall averages 33.0 inches.

St. James, MD Cost of Living, Crime & Is It a Good Place to Live? (2026)

Q: Is St. James, MD affordable or expensive?

St. James's cost of living index is 95, where 100 represents the national average. This means St. James is 5% less expensive than the average US city. The median home value is $370,200 and the median rent is $1,023 per month.

Q: What is the crime rate in St. James, MD?

St. James has a violent crime rate of 207.9 incidents per 100,000 residents and a property crime rate of 735.5 per 100,000. The national average violent crime rate is approximately 380 per 100,000.

Is St. James, MD a Good Place to Live?

St. James is a small town of 4,106 in Maryland, with a median household income of $105,962 and a 0.5% unemployment rate. Its cost of living index is 95 (US average = 100), which is 5% below the national average.

Strengths: St. James stands out for an affordable cost of living.

Trade-offs: Potential downsides include longer commutes. Whether St. James is right for you depends on your priorities — the full breakdown is below.

All St. James city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.

Cost of Living

Index: 95.1

St. James's overall cost of living index is 95.1, where 100 represents the US national average. Living in St. James costs roughly 5% less than the average American city.

Metric	St. James, MD	National Avg
Median Home Value	$370,200	$244,900
Median Monthly Rent	$1,023	$1,163
Homeownership Rate	79.9%	65.9%
Median Household Income	$105,962	$74,755

Crime & Safety

Very Safe

St. James's violent crime rate is 207.9 per 100,000 residents — 45% lower than the national average of ~380 per 100,000.

Violent Crime

207.9 /100k

Property Crime

735.5 /100k

Vertical marker = national average. Source: FBI UCR Program.

Schools & Education

Metric	St. James, MD	National Avg
School District	N/A	—
Elementary Schools	N/A	—
Middle Schools	N/A	—
High Schools	N/A	—
Student/Teacher Ratio	N/A	16:1
Bachelor's Degree or Higher	34.3%	35.4%
High School Diploma or Higher	95.4%	91.1%

Weather & Climate

St. James sees average highs of 39.8°F in January and 86.2°F in July, with 43.5 inches of annual precipitation and 33.0 inches of snow per year.

Metric	St. James, MD
Average High — January	39.8°F
Average High — July	86.2°F
Annual Precipitation	43.5"
Annual Snowfall	33.0"

Demographics

Metric	St. James, MD	National Avg
Population	4,106	—
Median Age	43.2	38.9
Unemployment Rate	0.5%	3.7%
Avg Commute Time	42.2 min	26 min
White (non-Hispanic)	68.4%	59.3%
Black or African American	14.3%	13.6%
Hispanic or Latino	9.8%	18.9%
Asian	2.5%	6.3%
Under 18	24.7%	22.2%
65 and over	16.5%	16.8%

Nearby Cities

Breathedsville, MD 2 mi Fairplay, MD 3 mi Halfway, MD 3 mi Downsville, MD 3 mi Tilghmanton, MD 3 mi

ZIP Codes in St. James

St. James, MD is covered by 2 ZIP codes:

21733 21781

St. James vs Other Cities

St. James, MD vs Breathedsville, MD St. James, MD vs Fairplay, MD St. James, MD vs Halfway, MD St. James, MD vs Downsville, MD St. James, MD vs Tilghmanton, MD

Frequently Asked Questions

Is St. James, MD affordable or expensive?

St. James's cost of living index is 95, where 100 is the national average. That makes St. James roughly 5% less expensive than a typical US city — a meaningful affordability advantage. The median home price is $370,200 and median rent is $1,023/month.

What is the crime rate in St. James, MD?

St. James's violent crime rate is 207.9 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 735.5 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.

What are the schools like in St. James?

School district information is sourced from NCES Common Core of Data.

Is St. James, MD a good place to live?

St. James, MD has a population of 4,106, a median household income of $105,962, and an unemployment rate of 0.5%. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.

What is the weather like in St. James?

St. James averages 39.8°F in January and 86.2°F in July. Annual rainfall is 43.5 inches with about 33.0 inches of snow per year. Based on NOAA 30-year climate normals (1991–2020).

What ZIP codes are in St. James?

St. James, MD is covered by 2 ZIP codes: 21733, 21781.

What is the population of St. James?

The population of St. James, Maryland is 4,106 with a median age of 43.2. Source: US Census ACS 5-Year Estimates.

What are the pros and cons of living in St. James?

Key numbers for living in St. James: cost of living index 95 (100 = US average), median home $370,200, median household income $105,962, crime index 47 (100 = US average, lower is safer). Whether these are benefits or drawbacks depends on where you're coming from — compare St. James side by side with your current city to see the trade-offs.