St. James: Housing & Real Estate
The median St. James home is valued at $142,000 (estimated market value runs 15% higher at $163,920), with median rent $695 (1.1× below Phelps County median $770; 1.4× below Missouri median $956). Homeownership rate: 58.1%. That's 1.2× below the Phelps County median ($174,100); 1.4× below the Missouri median ($199,832). Market is warm. Vacancy rate 14.3%. New construction makes up 7.0% of stock. A municipal building code is in effect.
- 2.7× annual income — home value vs. household income (vs Missouri 2.8×).
- 17.0 years to break even renting at the median (vs Missouri 17y).
- 4-BR rent is 1.7× a studio — rent gradient by unit size.
- Median rent 25% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $142,000 — 0.7× the Missouri median ($199,831). Median rent $695/month. homeownership rate 58.1% — below the U.S. share of ~65%.
| Affordability · Home Price To Income | 2.7× |
|---|---|
| Affordability · Home Affordability | affordable |
| Affordability · Rent Pct Income | 18.3% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 23.9% |
| Affordability · Poverty Rate | 19.4% |
| Affordability · Property Tax Pct Income | 1.9% |
| Fair Market Rent · Studio rent | $730 |
| Fair Market Rent · One-bedroom rent | $742 |
| Fair Market Rent · Two-bedroom rent | $933 |
| Fair Market Rent · Three-bedroom rent | $1,231 |
| Fair Market Rent · Four-bedroom rent | $1,235 |
| Fair Market Rent · HUD FMR area | Phelps County, MO |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $163,920 |
| Median Home Value | $142,000 (vs Missouri $199,832) |
| Median Rent | $695 (vs Missouri $956) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | warm |
|---|---|
| Housing Market · Vacancy rate | 14.3% |
| Housing Market · New construction (% of stock) | 7.0% |
| Housing Market · Price Appreciation 2Yr | 21.2% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (5)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 89.4% |
| Broadband · Broadband-capable premises | 2,036 |
| Electricity · Electricity rate (¢/kWh) | 12.91¢/kWh |
| Electricity · Customers | 2,933,914 |
| Electricity · Revenue Millions | $4,548 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 100% |
| Mobile Broadband · 5G mobile coverage | 97% |
| Mobile Home Parks Detail · County total | 1 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Charging & Mobility
| Ev Charging · Stations | 1 |
|---|---|
| Ev Charging · Public Stations | 1 |
| Ev Charging · L2 Ports | 1 |
Sources: DOE AFDC API
Other
| Homeownership Rate | 58.1% |
|---|---|
| Median Year Built | 1976 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12