Quick facts: Saint james, NY

Quick Facts

113.7
Cost of Living
above US average
13,733
Population
2.18
Crime Rate per 1000
below US average
$142,448
Median Income
above US average
$875,000
Median House Price
above US average
$4114.5
Average Rent
above US average
2%
Poverty Rate
below US average
3.5%
Unemployment Rate
below US average

πŸ’΅ Affordability Calculator

Based on the 28/36 rule: housing costs should not exceed 28% of your gross income. Compared against local median income of $142,448.

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Income Needed to Buy

βœ— Stretch
$274k/year
Based on $875,000 median home price
Assumes 30-year mortgage at 7% with 20% down payment
⚠️ Requires $274k vs median $142,448
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Income Needed to Rent

⚠ Stretch
$176k/year
Based on $4114.5/month average rent
Annual income where rent = 28% of gross
⚠️ Requires $176k vs median $142,448
πŸ’‘ 28/36 Rule: Housing ≀28% of gross income, total debt ≀36%. This is a guideline used by many lenders.

Overview for Saint james, NY

Saint James, located in Suffolk County on Long Island, New York, is a charming suburban community situated within the Town of Smithtown. Known for its picturesque landscapes and suburban feel, Saint James is characterized by its tree-lined streets, family-friendly neighborhoods, and an array of local amenities. The town boasts a strong sense of community, with various events and activities often organized for residents. The area is home to several parks and recreational facilities, providing opportunities for outdoor activities such as hiking, picnicking, and sports. The nearby Smithtown Historical Society and the Long Island Museum of American Art, History, and Carriages offer cultural enrichment and local history insights. Saint James is conveniently located near major highways, facilitating easy access to nearby metropolitan areas, including New York City. The community offers a mix of shopping, dining, and entertainment options, enhancing the quality of life for its residents. Additionally, the local schools are well-regarded, making it an attractive destination for families. Overall, Saint James excels in providing a balance of suburban comfort and access to urban conveniences.

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