How much do homeowners pay a month in St. James Township, MI?
Homeowners with a mortgage in St. James Township, MI pay a median of $1,333 (±$566) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $694 (±$108).
58.7% of owned homes carry a mortgage.
In St. James Township, the median monthly cost with a mortgage went from $1,396 in 2015–2019 to $1,333 in 2020–2024 (−4.5%).
Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.
Figures last updated on .
- With a mortgage
- $1,333 (±$566)
- Without a mortgage
- $694 (±$108)
- Owned with a mortgage
- 58.7%
Monthly owner costs in St. James Township
| St. James Township | Charlevoix County | Michigan | United States | |
|---|---|---|---|---|
| With a mortgage | $1,333 (±$566) | $1,478 (±$37) | $1,569 (±$5) | $1,963 |
| Without a mortgage | $694 (±$108) | $585 (±$18) | $602 (±$3) | $638 |
| Owned homes with a mortgage | 58.7% (±9.0 points) | 55.4% (±2.0 points) | 57.8% (±0.2 points) | 60.6% |
| Median real estate taxes (a year) | $3,500 (±$726) | $2,493 (±$79) | $2,904 (±$9) | $3,119 |
Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.
In St. James Township, the median cost with a mortgage is not measurably different from Charlevoix County ($1,478).
It is not measurably different from Michigan ($1,569).
It is lower than the national figure ($1,963).
In Charlevoix County, St. James Township ranks 15 of 18 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 874 of 1,516.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in St. James Township have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $1,396 (±$187) | $1,333 (±$566) | −4.5% | No measurable change after inflation |
| Median real estate taxes | $3,059 (±$473) | $3,500 (±$726) | +14.4% | No measurable change after inflation |
| Median home value | $210,700 (±$44,201) | $327,400 (±$64,141) | +55.4% | No measurable change after inflation |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Median monthly cost with a mortgage in places near St. James Township
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| St. James Township | — | $1,333 (±$566) | — |
| Peaine Township | 14 mi | $1,875 (±$146) | Not measurably different |
| Newton Township (Mackinac County) | 16 mi | $1,393 (±$132) | Not measurably different |
| Mueller Township | 22 mi | $1,050 (±$373) | Not measurably different |
| Garfield Township (Mackinac County) | 26 mi | $1,049 (±$324) | Not measurably different |
| Portage Township | 27 mi | $1,712 (±$680) | Not measurably different |
| Hendricks Township | 31 mi | $1,375 (±$728) | Not measurably different |
| Cross Village Township | 32 mi | $1,411 (±$169) | Not measurably different |
| Readmond Township | 32 mi | $1,840 (±$275) | Not measurably different |
None of the nearby places differs measurably from this one on this figure.
Distance is measured in a straight line between the Census Bureau’s internal points for each place.
Median monthly cost with a mortgage across Charlevoix County, place by place
| Rank | Place | Median monthly cost with a mortgage |
|---|---|---|
| 9 | Hudson Township (Charlevoix County) | $1,491 (±$133) |
| 10 | Boyne City | $1,475 (±$117) |
| 11 | Bay Township | $1,456 (±$109) |
| 12 | Marion Township (Charlevoix County) | $1,446 (±$137) |
| 13 | Melrose Township | $1,445 (±$95) |
| 14 | Hayes Township (Charlevoix County) | $1,424 (±$106) |
| 15 | St. James Township | $1,333 (±$566) |
| 16 | Chandler Township (Charlevoix County) | $1,250 (±$557) |
| 17 | Boyne Valley Township | $1,216 (±$92) |
| 18 | East Jordan | $1,094 (±$150) |
Showing 10 of 18 places in Charlevoix County, ranked from highest to lowest.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
What you can do on Seayora in St. James Township
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Questions about St. James Township
What is the average mortgage payment in St. James Township?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in St. James Township, MI is $1,333 (±$566) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in St. James Township?
Owners without a mortgage in St. James Township pay a median of $694 (±$108) a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in St. James Township gone up?
In St. James Township, the median monthly cost with a mortgage went from $1,396 in 2015–2019 to $1,333 in 2020–2024 (−4.5%).
Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — St. James township, Charlevoix County, Michigan
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — St. James township, Charlevoix County, Michigan
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — St. James township, Charlevoix County, Michigan
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — St. James township, Charlevoix County, Michigan
- Median Value (B25077), 2015–2019 ACS 5-year estimates — St. James township, Charlevoix County, Michigan
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for St. James township, Charlevoix County, Michigan (county subdivision:70920, in state:26 county:029).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.
The API needs a free key.
DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .
Related
- Housing in St. James Township at a glance
- Home values in St. James Township
- Property taxes in St. James Township
- Types of homes in St. James Township
- Bedrooms in St. James Township
- Age of homes in St. James Township
- Michigan landlord and tenant rules
- Housing across Charlevoix County
- Housing data for every place in Michigan