St. James, MD housing market
The typical St. James home is worth about $452,000, up 0.8% in a year, 5% above the Maryland typical home. Homes typically sell in 35 days, a little above asking.
Home values, sales, trends and how St. James compares with the towns next door — updated as new data is published.
St. James at a glance
A seller's market
Supply is tight — about 2.3 months of homes for sale at the current pace. Buyers should expect competition on well-priced homes.
Typical home value, 2016–2026
Show as a table
| January | St. James | Maryland |
|---|---|---|
| 2017 | $286,000 | $290,000 |
| 2018 | $292,000 | $301,000 |
| 2019 | $300,000 | $310,000 |
| 2020 | $309,000 | $322,000 |
| 2021 | $340,000 | $349,000 |
| 2022 | $391,000 | $384,000 |
| 2023 | $416,000 | $398,000 |
| 2024 | $427,000 | $412,000 |
| 2025 | $447,000 | $427,000 |
| 2026 | $452,000 | $429,000 |
| August 2026 | $452,000 | $428,000 |
4.6 years of income
The typical St. James home costs about 4.6 years of the town's median household income, more than across Maryland (4.1 years).
How St. James ranks on affordability →
Home value ÷ ACS median household income.
Owners, rent & taxes
U.S. Census Bureau, ACS 2020-2024.
A two-bedroom rents for about $1,280
HUD's Fair Market Rent for a two-bedroom in St. James is $1,280 a month, utilities included: roughly what a modest, recently rented unit costs. Renters already in St. James pay a median of $1,289. A two-bedroom takes about 16% of the town's median household income.
Studio $880 · 4 bedrooms $1,930
U.S. Department of Housing and Urban Development, FY2026 Fair Market Rents by ZIP code (21733, 21740, 21781; Hagerstown, MD HUD Metro FMR Area), weighted by land area. A Fair Market Rent is the 40th-percentile rent plus utilities for a standard unit. Median rent: U.S. Census Bureau, American Community Survey.
Home values: Zillow Home Value Index (ZHVI), Zillow Research, August 2026. Sales, days on market and supply: Redfin Data Center, May 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers.