Cost of Living in St. James City, FL
Population 3,846 · Florida · Data vintage 2023
(100 = US avg)
St. James City skews considerably older than the national median, with an average age of 63. Reported household income of $64,539 often reflects pension and investment income rather than wages, which makes the local tax picture — especially property tax treatment — a larger factor than in working-age cities. Rental affordability is stretched — $2,259/month works out to about 42% of median household income, above the 30% "cost-burdened" line.
Geographically, St. James City sits roughly 9 miles southwest of Cape Coral. Median home values run roughly 16% lower than Cape Coral's $339,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in St. James City
The median home value in St. James City is $284,800 — 7% below the national median of $305,000. Median rent runs $2,259/month, 72% higher than the national median of $1,314/month. The median household income of $64,539/year is 13% lower than the US median of $74,580. The local unemployment rate is 10.3%, above the national average of 4.8%. Florida charges no state income tax, a meaningful advantage for take-home pay. Overall, St. James City has a cost of living index of 125 versus the US average of 100, meaning it is 25% more expensive.
St. James City has limited residential data
Detailed housing and income data is limited for this location. Here are the nearest cities with full cost of living data:
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
Frequently Asked Questions
What is the cost of living in St. James City, FL?
St. James City has a cost index of 125 (100 = national average). It is 25% above the national average.
What is average rent in St. James City, FL?
The median gross rent in St. James City is $2,259 per month based on 2023 Census data.
What is the average home price in St. James City?
The median home value in St. James City is $284,800 according to Zillow and Census data.
What is the median income in St. James City?
The median household income in St. James City is $64,539 per year (2023 ACS 5-year estimates).
What is the sales tax in St. James City, FL?
The combined state and local sales tax rate in St. James City is 7.0%. Florida has no state income tax.
Is St. James City, FL affordable?
St. James City is above average in cost of living, with an index of 125 — about 25% higher than the national average.
St. James City at a Glance
- Population
- 3,846
- Median Income
- $64,539
- Home Value
- $284,800
- Median Rent
- $2,259/mo
- Unemployment
- 10.3%
- Sales Tax
- 7.0%
Nearby Cities
Explore county-level cost of living data
Florida Rankings
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