How much do homeowners pay a month in St. James, NY?

Name: Homeowner costs in St. James, NY, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in St. James, NY pay a median of $3,746 (±$246) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,500 or more.

57.5% of owned homes carry a mortgage.

In St. James, the median monthly cost with a mortgage went from $3,193 in 2015–2019 to $3,746 in 2020–2024 (+17.3%).

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 November 12, 2026.

With a mortgage: $3,746 (±$246)
Without a mortgage: $1,500 or more
Owned with a mortgage: 57.5%

Monthly owner costs in St. James

Median selected monthly owner costs, estimate (90% margin of error)
	St. James	Suffolk County	New York	United States
With a mortgage	$3,746 (±$246)	$3,320 (±$17)	$2,555 (±$9)	$1,963
Without a mortgage	$1,500 or more	$1,478 (±$15)	$958 (±$5)	$638
Owned homes with a mortgage	57.5% (±4.7 points)	62.4% (±0.6 points)	57.8% (±0.2 points)	60.6%
Median real estate taxes (a year)	$10,000 or more	$10,000 or more	$6,582 (±$21)	$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, the median cost with a mortgage is higher than in Suffolk County ($3,320).

It is also higher than in New York ($2,555).

It is higher than the national figure ($1,963).

In Suffolk County, St. James ranks 33 of 112 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 87 of 404.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in St. James have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$3,193 (±$123)	$3,746 (±$246)	+17.3%	No measurable change after inflation
Median home value	$459,600 (±$11,111)	$652,700 (±$20,596)	+42.0%	Up 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

Nearest places with a published estimate, compared with St. James
Place	Distance	Median monthly cost with a mortgage	Compared with this place
St. James	—	$3,746 (±$246)	—
Village of Head of the Harbor	1.5 mi	$4,000 or more	—
Nesconset	2.0 mi	$3,909 (±$288)	Not measurably different
Village of Village of the Branch	2.2 mi	$3,932 (±$292)	Not measurably different
Village of Lake Grove	2.2 mi	$3,550 (±$221)	Not measurably different
Stony Brook	2.5 mi	$3,956 (±$285)	Not measurably different
Village of Nissequogue	2.5 mi	$4,000 or more	—
Smithtown (community)	3.6 mi	$3,898 (±$127)	Not measurably different
Centereach	3.7 mi	$3,175 (±$103)	Lower

Nearby places with a measurably lower figure: Centereach, NY ($3,175).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Suffolk County, place by place

Rank	Place	Median monthly cost with a mortgage
27	Smithtown (community)	$3,898 (±$127)
28 (tie)	Commack	$3,856 (±$118)
28 (tie)	East Setauket	$3,856 (±$177)
30	Shinnecock Hills	$3,830 (±$661)
31	West Hills	$3,796 (±$326)
32	Greenlawn	$3,752 (±$185)
33	St. James	$3,746 (±$246)
34	East Marion	$3,733 (±$493)
35	Brookhaven (community)	$3,722 (±$422)
36	Mattituck	$3,706 (±$749)
37	Oakdale	$3,689 (±$340)
38	South Huntington	$3,673 (±$178)
39	East Shoreham	$3,662 (±$225)

Showing 13 of 112 places in Suffolk County, ranked from highest to lowest.

St. James is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.

It lies inside the Town of Smithtown, whose figures include it.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about St. James

What is the average mortgage payment in St. James?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in St. James, NY is $3,746 (±$246) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in St. James?

Owners without a mortgage in St. James pay a median of $1,500 or more a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in St. James gone up?

In St. James, the median monthly cost with a mortgage went from $3,193 in 2015–2019 to $3,746 in 2020–2024 (+17.3%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

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 CDP, New York (place:64584, in state:36).

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.

Request a Census API 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.