Market Overview
Home Prices in Saint James City, FL
The median home value in Saint James City, FL is $428,737 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.9% compared to a year ago and down 8.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Saint James City are priced5% above average. Saint James City is part of the Cape Coral-Fort Myers, FL metro area.
Over the past five years, Saint James City home values have risen by approximately11.0%, reflecting steady appreciation in this market.
Price History
Saint James City Home Price Trend
City Comparison
Saint James City vs. National Median
At $428,737, homes in Saint James City cost 5% above the national median of $410,000. Buyers in Saint James City should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Saint James City?
20% Down Payment
$85,747
on $428,737
Monthly P&I
$2,236/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,840/mo
incl. taxes & insurance
Income Needed
$113,600
gross annual (30% rule)
10% Down Option
$42,874
+ PMI applies
Loan Amount (20% dn)
$342,990
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Saint James City, FL?
The median home value in Saint James City is $428,737 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.9% year-over-year.
How much have home prices changed in Saint James City?
Over the past year, home values in Saint James City have decreased by 2.9%. Over five years, prices have risen approximately 11.0%.
How much do I need to earn to buy a home in Saint James City?
To comfortably afford the median home price of $428,737 with a 20% down payment ($85,747) at today's rates (6.8%), you'd need a gross annual income of approximately $113,600. This assumes keeping total housing costs at or below 30% of gross income.
How does Saint James City compare to the national average home price?
The national median home value is approximately $410,000. At $428,737, homes in Saint James City are 5% above the national average.
What metro area is Saint James City part of?
Saint James City is part of the Cape Coral-Fort Myers, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.