St. James, NY

Very High · 179

New York · Population 13,680 · Updated March 2026

$2,192
Median Rent / Month
$130,556
Median Income
$632,900
Median Home Value
$2,664
Owner Costs / Month

Affordability

How far your income goes in St. James

20.1%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in New York

State-level tax rates that affect your costs

10.9%
Income Tax (Top Rate)
4.0%
Sales Tax
1.62%
Property Tax Rate

Estimated Annual Costs

$26,304
Annual Rent
$14,231
State Income Tax
$10,253
Property Tax (est.)

Cost of Living Overview

St. James has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 179 (where 100 equals the national median), St. James residents can expect to pay median rent of $2,192/month while earning a median household income of $130,556/year.

The median home value in St. James, NY is $632,900, with typical monthly owner costs around $2,664 including mortgage, insurance, and taxes. The median rent-to-income ratio of 20.1% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

New York's top income tax rate of 10.9% is among the highest in the nation, adding to the overall cost burden. Combined with a 4.0% sales tax rate and 1.62% effective property tax rate, the overall tax environment is a factor in the total cost of living in St. James.

Frequently Asked Questions

Common questions about living costs in St. James

What is the cost of living in St. James, NY?
The cost of living index in St. James, NY is 179 (US average = 100). Median monthly rent is $2,192, median household income is $130,556/year, and the median home value is $632,900.
Is St. James, NY affordable?
No, St. James is more expensive than the national average with a cost index of 179. The rent-to-income ratio is 20.1%—below the 30%% threshold considered affordable by HUD.
What is the average rent in St. James, NY?
The median gross rent in St. James, NY is $2,192 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $26,304.
What is the median household income in St. James?
The median household income in St. James, NY is $130,556 per year. This compares to the national median of approximately $80,000.
What are the taxes like in New York?
New York has a top income tax rate of 10.9%, a sales tax of 4.0%, and an effective property tax rate of 1.62%.