Market Overview
Home Prices in Saint James, MD
The median home value in Saint James, MD is $459,990 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.8% compared to a year ago and up 2.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Saint James are priced12% above average. Saint James is part of the Hagerstown-Martinsburg, MD-WV metro area.
Over the past five years, Saint James home values have risen by approximately23.8%, reflecting strong long-term appreciation in this market.
Price History
Saint James Home Price Trend
City Comparison
Saint James vs. National Median
At $459,990, homes in Saint James cost 12% above the national median of $410,000. Buyers in Saint James should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Saint James?
20% Down Payment
$91,998
on $459,990
Monthly P&I
$2,399/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,047/mo
incl. taxes & insurance
Income Needed
$121,880
gross annual (30% rule)
10% Down Option
$45,999
+ PMI applies
Loan Amount (20% dn)
$367,992
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, MD?
The median home value in Saint James is $459,990 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.8% year-over-year.
How much have home prices changed in Saint James?
Over the past year, home values in Saint James have increased by 0.8%. Over five years, prices have risen approximately 23.8%.
How much do I need to earn to buy a home in Saint James?
To comfortably afford the median home price of $459,990 with a 20% down payment ($91,998) at today's rates (6.8%), you'd need a gross annual income of approximately $121,880. This assumes keeping total housing costs at or below 30% of gross income.
How does Saint James compare to the national average home price?
The national median home value is approximately $410,000. At $459,990, homes in Saint James are 12% above the national average.
What metro area is Saint James part of?
Saint James is part of the Hagerstown-Martinsburg, MD-WV metropolitan area. Home prices and market conditions can vary across the broader metro region.