HomeNew YorkSuffolk CountySt. James CDP
St. James CDP, New York: commercial real estate data.
St. James CDP is a Census CDP of 13,244 people across 4.56 square miles of land, in Suffolk County. Median household income is $142,368, 87.7 percent of occupied homes are owned, and the SBA record carries 28 7(a) approvals to borrowers here worth $7.7 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 typeCDP
- Land area4.56 sq mi
- Water area0 sq mi
- Population per square mile of land2,902
- County holding the largest share of its areaSuffolk 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
- Population13,244
- Median age47.4
- Population under 182,585
- Share under 1819.5 percent
- Population 65 and over2,997
- Share 65 and over22.6 percent
- Households4,934
- Family households3,362
- 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$142,368
- Per capita income$68,390
- Civilian labor force6,956
- Employed6,711
- Unemployed245 plus or minus 181
- Unemployment rate3.5 percent plus or minus 2.6
- Adults 25 and over9,494
- Adults 25 and over with a high school diploma or higher95.8 percent
- Adults 25 and over with a bachelor degree or higher49.7 percent
- Adults 25 and over with a graduate degree24.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. James
Housing in St. James
- Housing units5,064
- Occupied units4,934
- Vacant units130 plus or minus 94
- Vacancy rate2.6 percent plus or minus 1.8
- Owner occupied4,327
- Renter occupied607 plus or minus 246
- Ownership rate87.7 percent
- Median owner-occupied home value$652,700
- Median gross rent, monthly$2,218
- Annual rent as a share of median income18.7 percent plus or minus 4.2
- Single family units4,421
- Share single family87.3 percent
- Units in buildings of two or more643 plus or minus 245
- Share in buildings of two or more12.7 percent plus or minus 4.7
- Mobile homes0
- Median year structure built1970
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 commute5,739
- Commuting under 15 minutes1,655 plus or minus 358
- Share commuting under 15 minutes28.8 percent
- Commuting 30 minutes or more2,434
- Share commuting 30 minutes or more42.4 percent
- Drove alone79.3 percent
- Carpooled3.7 percent plus or minus 1.6
- Public transport4.0 percent plus or minus 1.7
- Walked1.4 percent plus or minus 1.0
- Worked from home11.0 percent plus or minus 3.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. James
SBA loans in St. James (7(a))
- Approvals28
- Gross approval$7,708,500
- Average approval$275,304
- Median approval$64,000
- Ninetieth percentile approval$920,000
- Largest approval$2,000,000
- Jobs supported127
- Jobs per approval4.5
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more14.3 percent
- Share to franchises3.6 percent
- Distinct lenders10
- Distinct industries by NAICS20
A charge-off rate is not published here. only 3 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$4,826,000
- Average approval$804,333
- Median approval$775,000
- Largest approval$1,433,000
- Jobs supported53
- Loans with a final outcome3
- Charged off0
- Median term300 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Suffolk County, not St. James
Suffolk County context, not St. James figures
These are Suffolk 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 Suffolk County50,748
- Employment at those establishments, Suffolk County592,580
- Covered employment, Suffolk County679,594
- Average annual pay, Suffolk County$79,121
- Average weekly wage, Suffolk County$1,522
- Housing units permitted, Suffolk County1,407
- Of those, single family, Suffolk County1,137
- County product, 2024, Suffolk County$139,014,125,000
- County product change over the prior year, Suffolk County5.9 percent
- Average income of an arriving household, Suffolk County$144,254
Every figure in this section is published for Suffolk 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, New York?
13,244, in 4,934 households. St. James CDP covers 4.56 square miles of land, which is 2,902 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?
Suffolk 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?
$142,368. The median owner-occupied home is valued at $652,700. Median gross rent is $2,218 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?
28 7(a) approvals totalling $7.7 m, across 10 lenders, median approval $64,000, plus 6 504 approvals worth $4.8 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 3 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 Suffolk 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.