HomeMissouriPhelps CountySt. James
St. James, Missouri: commercial real estate data.
St. James is a Census city of 3,916 people across 4.24 square miles of land, in Phelps County. Median household income is $53,453, 58.1 percent of occupied homes are owned, and the SBA record carries 6 7(a) approvals to borrowers here worth $1.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
St. James
What St. James is
- Census place typecity
- Land area4.24 sq mi
- Water area0.01 sq mi
- Population per square mile of land923
- County holding the largest share of its areaPhelps 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
- Population3,916
- Median age49.3 plus or minus 14.5
- Population under 18908 plus or minus 266
- Share under 1823.2 percent plus or minus 6.8
- Population 65 and over898 plus or minus 208
- Share 65 and over22.9 percent plus or minus 5.3
- Households1,596
- Family households1,087
- Share of households that are families68.1 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$53,453
- Per capita income$24,941
- Civilian labor force1,624
- Employed1,502
- Unemployed122 plus or minus 116
- Unemployment rate7.5 percent plus or minus 7.0
- Adults 25 and over2,768
- Adults 25 and over with a high school diploma or higher85.8 percent
- Adults 25 and over with a bachelor degree or higher20.3 percent plus or minus 6.2
- Adults 25 and over with a graduate degree8.6 percent plus or minus 3.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. James
Housing in St. James
- Housing units1,992
- Occupied units1,596
- Vacant units396 plus or minus 153
- Vacancy rate19.9 percent plus or minus 7.3
- Owner occupied928 plus or minus 235
- Renter occupied668 plus or minus 177
- Ownership rate58.1 percent plus or minus 12.8
- Median owner-occupied home value$142,000
- Median gross rent, monthly$695 plus or minus $175
- Annual rent as a share of median income15.6 percent plus or minus 4.9
- Single family units1,416 plus or minus 300
- Share single family71.1 percent
- Units in buildings of two or more546 plus or minus 201
- Share in buildings of two or more27.4 percent plus or minus 9.6
- Mobile homes8 plus or minus 13
- Median year structure built1976
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 commute1,360 plus or minus 289
- Commuting under 15 minutes498 plus or minus 198
- Share commuting under 15 minutes36.6 percent plus or minus 12.3
- Commuting 30 minutes or more231 plus or minus 114
- Share commuting 30 minutes or more17.0 percent plus or minus 7.6
- Drove alone69.0 percent
- Carpooled15.4 percent plus or minus 6.6
- Public transport0.0 percent
- Walked3.1 percent plus or minus 4.4
- Worked from home9.5 percent plus or minus 5.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. James
SBA loans in St. James (7(a))
- Approvals6
- Gross approval$1,457,000
- Average approval$242,833
- Median approval$165,000
- Largest approval$634,000
- Jobs supported23
- Jobs per approval3.8
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term102 months
- Share on real estate terms of 20 years or more16.7 percent
- Share to franchises16.7 percent
- Distinct lenders6
- Distinct industries by NAICS6
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)
- Approvals6
- Gross approval$3,074,000
- Average approval$512,333
- Median approval$246,000
- Largest approval$1,545,000
- Jobs supported72
- Loans with a final outcome4
- Charged off2
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in St. James, in any county, FY2010 to FY2026. Only 4 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 number290661
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/20/08(M)
The City of St. James participates in the National Flood Insurance Program as community 290661 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.
Phelps County, not St. James
Phelps County context, not St. James figures
- Establishments in Phelps County1,050
- Covered employment, Phelps County19,225
- Average annual pay, Phelps County$50,599
- Housing units permitted, Phelps County152
Every figure in this section is published for Phelps 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, Missouri?
3,916, in 1,596 households. St. James city covers 4.24 square miles of land, which is 923 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?
Phelps 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?
$53,453. The median owner-occupied home is valued at $142,000. Median gross rent is $695 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?
6 7(a) approvals totaling $1.5 m since FY2020, across 6 lenders, median approval $165,000, plus 6 504 approvals worth $3.1 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 290661, 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 Phelps 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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