HomeMissouriPhelps CountySt. James city
St. James city, Missouri: commercial real estate data.
St. James city 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.
76 sourced place values · tier FULL · 8 sections · 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$180,000
- Ninetieth percentile approval$634,000
- Largest approval$634,000
- Jobs supported23
- Jobs per approval3.8
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more16.7 percent
- Share to franchises16.7 percent
- Distinct lenders6
- Distinct industries by NAICS6
A charge-off rate is not published here. only 2 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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$272,000
- Largest approval$1,545,000
- Jobs supported72
- Loans with a final outcome4
- Charged off2
- Median term240 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Phelps County, not St. James
Phelps County context, not St. James figures
These are Phelps County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as St. James measurements.
- Establishments in Phelps County1,050
- Employment at those establishments, Phelps County15,928
- Covered employment, Phelps County19,225
- Average annual pay, Phelps County$50,599
- Average weekly wage, Phelps County$973
- Housing units permitted, Phelps County152
- Of those, single family, Phelps County41
- County product, 2024, Phelps County$2,138,274,000
- County product change over the prior year, Phelps County5.4 percent
- Average income of an arriving household, Phelps County$46,287
Every figure in this section is published for Phelps County as a whole and is not a measurement of St. James. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $1.5 m, across 6 lenders, median approval $180,000, plus 6 504 approvals worth $3.1 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page St. James figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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