CitytisticsShortlist

Cost of living, pay and housing

33.94° N · 78.10° W · GEOID 3758630

St. James

Brunswick County, North Carolina · part of the Wilmington, NC metro

North CarolinaSt. James, NCSt. JamesSt. James

The short answer

St. James is home to 7,072 people. Median household income is $116,383 a year and median rent is $2,258 a month, 23.3% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $636,800, about 5.5x annual median household income.

The story in St. James is how fast things are changing. Population change slowed in the latest estimate: +0.2% from 2024 to 2025, against +2.8% a year before that. Also notable: 0% of renter households spend 30% or more of income on rent, a lower share than in 99% of places its size. It is the lowest of 149 North Carolina places we track.

40OF 100

CTXCitytistics Index

Below average

St. James scores better than 40% of the 6,612 places we rate, and ranks 77th of 161 in North Carolina.

How the CTX is built

Category ratings · 0 to 100, typical place 50

Affordability 20%24
Economy 20%68
Safety 20%n/a
Amenities 15%13
Education 10%94
Commute 10%46
Growth 5%49

Not rated: safety, for want of data (the city police department does not report a full year to the FBI). The other weights are spread over the categories rated.

Median gross rent
$2,258
65% above the median place
Median household income
$116,383
45% above the median place
Median home value
$636,800
99% above the median place
Unemployment
4.7%
5% below the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about St. James

  • HousingOwning with a mortgage costs only about $52 a month more than the median rent, a smaller gap than in 92% of the 2,469 places under 10,000 people we track.
01

Moving to St. James

Brunswick County gains about 50.2 residents per 1,000 a year to moves between counties.

Moved in13,635
Moved out7,315
Net+6,320

Where people come from and where they go, top counties

Wake County, NC615285+330
Horry County, SC356416−60
Columbus County, NC220323−103

Within North Carolina, other states or abroad

Arrivals
Leavers
Within North CarolinaOther statesAbroad

Income per tax return

Arrivals$103K
Leavers$72K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Brunswick County; flows under 20 returns are not published.

Who moves here
9.9% of residents arrived from another county in the past year, 8.0% from another state.
Who arrives and who leaves
Households moving into Brunswick County report $103,400 a year in income on average; those leaving, $71,700, so newcomers earn more than leavers.
Income you would need
$90,300 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $2,258 a month; owners with a mortgage pay $2,310 a month including taxes and insurance, on a median home of $636,800.
Getting to work
26 minutes each way on average; 39.7% work from home.
If it is close but not quite
Sanibel, FL matches it on character for less of your income. Compare the two
Moved from another state1
8.0%
304% above the median place
Moved here in the past year1
9.9%
72% above the median place
Net movers per 1,000 people8
50.2
above the median place (median -0.6)
All 5 moving measures
MeasureSt. JamesAmong 6,645 placesVs median
Moved here in the past year19.9%72% above
Moved from another state18.0%304% above
Net movers per 1,000 people8County figure50.2above (median -0.6)
Income of households moving in8County figure$103,40247% above
Income of households moving out8County figure$71,6582% above
02

What it costs to live here

Half the homes were built after 2011, newer housing than in 98% of the 2,479 places under 10,000 people we track. It is the 2nd-highest of 161 North Carolina places we track.

St. James23.3%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$90,320
a year, at the 30% line
Rent to income
23.3%
14% above the median place
Home price to income
5.5x
44% above the median place

Could you afford it?

The median rent would take
23%
comfortably under the 30% line
Left after rent, in US prices
$91,600
a year
Vs the typical household here
Same
as the median household

Uses the median rent in St. James, $2,258 a month, and local prices for everything else (97.1 against a US average of 100). It runs in your browser and stores nothing.

Like St. James, but easier on the budget

Places that match St. James on character (size, age, education, homeownership, household size, housing age, remote work and climate) but where rent takes a clearly smaller share of income. Cost was left out of the match on purpose.

PlaceMatchRent to incomeMore left a year
Sanibel, FL699.0% vs 23.3%$9,300Compare
Naples, FL6618.1% vs 23.3%$36,300Compare
Pinehurst, NC5618.2% vs 23.3%$3,300Compare
Gold River, CA5116.8% vs 23.3%$51,100Compare

Moving from somewhere else? Work out the salary you would need in St. James.

Sponsored · exampleMoving to St. James? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Renters paying 30%+1
0.0%
below the median place (median 50.6%)
Homeownership1
96.4%
45% above the median place
Median year built1
2011
2% above the median place
All 16 cost and housing measures
MeasureSt. JamesAmong 6,645 placesVs median
Median gross rent1$2,25865% above
Rent to income123.3%14% above
Property tax rate10.5%51% below
Home price to income15.5x44% above
Prices vs US average2Metro figure96.44% below
Fair market rent, 2 bedrooms3County figure$1,5743% below
HUD area median income4County figure$99,2008% below
Property tax paid (median)1$2,87312% below
Median home value1$636,80099% above
Home prices, 1-year change5County figure3.0%7% below
Home prices, 5-year change5County figure72.8%41% above
Homeownership196.4%45% above
Renters paying 30%+10.0%below (median 50.6%)
Owner costs with a mortgage1$2,31023% above
Vacant homes118.2%158% above
Median year built120112% above
03

Work and pay

40% of workers mostly work from home, more than in 98% of the 2,104 places under 10,000 people we track. It is the 3rd-highest of 148 North Carolina places we track.

Works from home1
39.7%
219% above the median place
Income per person1
$82,804
107% above the median place
Median household income1
$116,383
45% above the median place
All 10 work and pay measures
MeasureSt. JamesAmong 6,645 placesVs median
Median household income1$116,38345% above
Income per person1$82,804107% above
Unemployment1County figure4.7%5% below
Average annual pay6County figure$54,52317% below
Pay growth, 1 year6County figure5.5%49% above
Jobs6County figure43,20171% below
Poverty rate1County figure9.2%14% below
Mean commute1County figure26 min3% above
Works from home139.7%219% above
Commutes by transit1Metro figure0.3%62% below
04

Who lives here

The median resident is 68 years old, older than in 99% of the 2,479 places under 10,000 people we track. It is the highest of 161 North Carolina places we track.

Median age1
68.0
74% above the median place
High school or higher1
99.2%
7% above the median place
Household size1
2.0
20% below the median place

More about who lives here, against the typical place

Bachelor's or higher68.3% 2.1×
Homes with broadband95.8% +4%
Born abroad5.9% −33%
All 9 people measures
MeasureSt. JamesAmong 6,645 placesVs median
Population17,0725358th largest
Population change since 2020712.0%above (median 1.1%)
Median age168.074% above
Bachelor's or higher168.3%113% above
High school or higher199.2%7% above
Household size12.020% below
Born abroad15.9%33% below
No health insurance1County figure7.5%17% above
Homes with broadband195.8%4% above
05

Life in St. James

The nearest National Park Service site is Moores Creek National Battlefield, about 35 miles away.

17 sites are on the National Register of Historic Places. Its history on Wikipedia

Out the door, against the typical place

Parks per 10k residents17.0 +67%
Playgrounds per 10k0.0 −100%
Grocery stores per 10k0.0 −100%
Restaurants, cafes and bars per 10k0.0 −100%
Libraries per 10k0.0 −100%
Named paths and bike trails0 km −100%
Bus and rail stops per sq mi0.0 −100%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

National Park Service sites nearby

  • Moores Creek National Battlefield 35 miles
  • Cape Lookout National Seashore 101 miles
  • Charles Pinckney National Historic Site 125 miles

Businesses per 10,000 residents (county figures)

Restaurants and bars22.2 +7%
Shops33.0 +9%
Arts, recreation and fitness4.3 +5%
Doctors' offices and clinics13.4 −34%
Child care centers1.4 −39%

Counts businesses with paid staff, so small owner-run shops are not included.

Nearest National Park Service site11
35.3
15% above the median place
Child care centers per 10k9
1.4
39% below the median place
Doctors' offices and clinics per 10k9
13.4
34% below the median place
All 18 schools and local life measures
MeasureSt. JamesAmong 6,645 placesVs median
Public schools13County figure22144% above
Public school students13County figure15,069208% above
Students per teacher13County figure16.68% above
Restaurants and bars per 10k9County figure22.27% above
Shops per 10k9County figure33.09% above
Arts, recreation and fitness per 10k9County figure4.35% above
Doctors' offices and clinics per 10k9County figure13.434% below
Child care centers per 10k9County figure1.439% below
Parks per 10k1017.067% above
Playgrounds per 10k100.0below (median 9.4)
Grocery stores per 10k100.0below (median 2.1)
Restaurants, cafes and bars per 10k100.0below (median 11.2)
Libraries per 10k100.0below (median 0.9)
Named paths and bike trails100.0below (median 2.0)
Transit stops per sq mi100.0below (median 0.2)
Nearest National Park Service site1135.315% above
National Park Service sites within 60 miles11150% below
National Register listings12County figure1731% above
06

Safety, weather and risk

Hurricane risk is 99.1, 40% above the median place.

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached St. James. Larger places are fetched first.

Hurricane risk15
99.1
40% above the median place
Annual precipitation14
55.2 in
26% above the median place
Wildfire risk15
93.3
52% above the median place
All 11 weather and risk measures
MeasureSt. JamesAmong 6,645 placesVs median
July average high14County figure90°F3% above
January average low14County figure35°F38% above
Average temperature14County figure63°F15% above
Annual precipitation14County figure55.2 in26% above
Natural hazard risk15County figure95.84% above
Hurricane risk15County figure99.140% above
Tornado risk15County figure87.07% above
Wildfire risk15County figure93.352% above
Heat wave risk15County figure84.96% below
Median air quality index16Metro figure415% below
Good air days16Metro figure77.0%12% above
08

St. James in 2030: where the trends point

If recent trends hold, the median rent will take about 25% of the median income in 2030, up from 23% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases. On projected 2030 affordability, St. James does better than 20% of places. Its projected home value growth beats 36%.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$2,258/mo (2023)$3,000/mo$2,420 to $3,710/mo+4.1%
Median household income$116,383 (2024)$145,000$122,500 to $171,500+3.7%
Median home value$636,800 (2024)$905,000$657,000 to $1,246,000+6.0%
Population7,318 (2025)7,7807,470 to 8,110+1.2%

The median home would be worth 6.2 years of the median income in 2030, against 5.5 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like St. James

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Eldorado at Santa Fe, NM$2,526$106,633Compare
Osprey, FL$2,196$103,516Compare
The Pinehills, MA$2,819$122,798Compare
Palmer Ranch, FL$1,794$102,838Compare
Palmer Ranch, FLThe Pinehills, MAOsprey, FLEldorado at Santa Fe, NMSt. James, NCSt. JamesEldorado at Santa FeOspreyThe PinehillsPalmer RanchSt. JamesEldorado at Santa FeOspreyThe PinehillsPalmer Ranch

Places built like St. James

Its statistical peers: the closest matches on size, age, education, homeownership, household size, housing age, origin and remote work, in the same part of the country. Cost and outcomes are left out of the match, so the table shows how St. James performs against places like it.

PlaceRent to incomeIncome growthPop. change
St. James, NC23.3%2.1%/yr12.0%
The Pinehills, MA27.5%3.9%/yrn/aCompare
Williamson, AZ15.3%4.1%/yrn/aCompare
Saddlebrooke, AZ37.5%2.0%/yrn/aCompare
Osprey, FL25.5%4.1%/yrn/aCompare
Cave Creek, AZ27.9%5.0%/yr5.5%Compare
Sanibel, FL9.0%0.1%/yr-1.3%Compare

Common questions

Is St. James a good place to live?

It depends on what you need, so here is what the numbers say. Its Citytistics Index is 40 out of 100, better than 40% of the places we rate and 77th of 161 in North Carolina. Owning with a mortgage costs only about $52 a month more than the median rent, a smaller gap than in 92% of the 2,469 places under 10,000 people we track. See how it ranks with your own weights.

Is St. James expensive to live in?

The median rent takes 23.3% of the median household income, against 20.4% in the typical place we track. Housing is a heavier load here than usual. The median home is valued at $636,800.

What salary do you need to live in St. James?

To rent the median home without spending more than 30% of income on rent, a household needs about $90,320 a year. Work it out from your current city.

What places are similar to St. James?

On income, rent, home value, education and age, the closest matches are Eldorado at Santa Fe, NM, Osprey, FL, The Pinehills, MA and Palmer Ranch, FL.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. Population Estimates · US Census Bureau · Vintage 2025
  8. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  9. County Business Patterns · US Census Bureau · 2023 data
  10. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  11. National Park Service sites · Wikidata (CC0), units operated by the National Park Service · Retrieved 2026-11
  12. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  13. Common Core of Data · National Center for Education Statistics · 2024 release
  14. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  15. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  16. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares St. James with places of a similar size, using only figures measured for St. James itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/saint-james-north-carolina

Citytistics. “St. James, North Carolina.” Data as of 2026-11-14. https://www.citytistics.com/city/saint-james-north-carolina/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.