HomeMinnesotaWatonwan CountySt. James
St. James, Minnesota: commercial real estate data.
St. James is a Census city of 4,767 people across 2.44 square miles of land, in Watonwan County. Median household income is $60,242, 66.4 percent of occupied homes are owned, and the SBA record carries 4 7(a) approvals to borrowers here worth $594,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
St. James
What St. James is
- Census place typecity
- Land area2.44 sq mi
- Water area0.02 sq mi
- Population per square mile of land1,950
- County holding the largest share of its areaWatonwan County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. James
How many people live in St. James
- Population4,767
- Median age37.6
- Population under 181,351
- Share under 1828.3 percent
- Population 65 and over712
- Share 65 and over14.9 percent
- Households1,810
- Family households1,143
- Share of households that are families63.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. James
Income and work in St. James
- Median household income$60,242
- Per capita income$33,295
- Civilian labor force2,179
- Employed2,006
- Unemployed173 plus or minus 110
- Unemployment rate7.9 percent plus or minus 5.0
- Adults 25 and over2,982
- Adults 25 and over with a high school diploma or higher82.8 percent
- Adults 25 and over with a bachelor degree or higher15.5 percent plus or minus 4.1
- Adults 25 and over with a graduate degree3.1 percent plus or minus 1.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. James
Housing in St. James
- Housing units2,095
- Occupied units1,810
- Vacant units285 plus or minus 120
- Vacancy rate13.6 percent plus or minus 5.7
- Owner occupied1,202
- Renter occupied608 plus or minus 150
- Ownership rate66.4 percent
- Median owner-occupied home value$122,100 plus or minus $41,594
- Median gross rent, monthly$839
- Annual rent as a share of median income16.7 percent
- Single family units1,630
- Share single family77.8 percent
- Units in buildings of two or more464 plus or minus 146
- Share in buildings of two or more22.1 percent plus or minus 6.9
- Mobile homes1 plus or minus 2
- Median year structure built1969
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. James
How St. James gets to work
- Workers 16 and over who commute1,852
- Commuting under 15 minutes969
- Share commuting under 15 minutes52.3 percent
- Commuting 30 minutes or more487 plus or minus 147
- Share commuting 30 minutes or more26.3 percent plus or minus 7.5
- Drove alone71.6 percent
- Carpooled16.1 percent plus or minus 7.5
- Public transport3.0 percent plus or minus 4.1
- Walked2.4 percent plus or minus 1.9
- Worked from home4.8 percent plus or minus 3.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. James
SBA loans in St. James (7(a))
- Approvals4
- Gross approval$594,000
- Average approval$148,500
- Median approval$112,500
- Largest approval$283,000
- Jobs supported36
- Jobs per approval9.0
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more75.0 percent
- Share to franchises25.0 percent
- Distinct lenders2
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in St. James, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. James
SBA loans in St. James (504)
- Approvals5
- Gross approval$2,105,000
- Average approval$421,000
- Median approval$442,000
- Largest approval$756,000
- Jobs supported22
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in St. James, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
St. James
Flood risk in St. James
- NFIP communityCity of St. James
- NFIP community number270518
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date12/07/23
The City of St. James participates in the National Flood Insurance Program as community 270518 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Watonwan County, not St. James
Watonwan County context, not St. James figures
- Establishments in Watonwan County280
- Covered employment, Watonwan County4,510
- Average annual pay, Watonwan County$48,323
- Housing units permitted, Watonwan County7
Every figure in this section is published for Watonwan County as a whole and is not a measurement of St. James.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
St. James questions, answered from the record.
How many people live in St. James, Minnesota?
4,767, in 1,810 households. St. James city covers 2.44 square miles of land, which is 1,950 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is St. James in?
Watonwan County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in St. James?
$60,242. The median owner-occupied home is valued at $122,100. Median gross rent is $839 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to St. James businesses?
4 7(a) approvals totaling $594,000 since FY2020, across 2 lenders, median approval $112,500, plus 5 504 approvals worth $2.1 m since FY2010. These count approvals to borrowers whose address is in St. James, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to St. James borrowers get paid back?
No rate is published for St. James. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is St. James in the National Flood Insurance Program?
Yes. St. James appears in the FEMA Community Status Book as St. James, city of, community 270518, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page St. James figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Watonwan County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of St. James.
Is zoning published for St. James?
No. Nothing on this page presents parcel level zoning.
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