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St. James, NY Cost Of Living

The latest cost of living statistics for St. James. Includes statistics on rent, mortgages, healthcare, and other costs for St. James compared to the state and national averages.

Chris Kolmar
Written by
HomeSnacks
Last updated
2026-06-20

Cost of living in St. James, New York

Cost of living in St. James research summary. The cost of living index is set to 100 for the average place in the United States. A cost of living index above 100 means St. James is expensive. An index value below 100 means the city is a relatively cheap place to live.

On a city-by-city basis in New York, home prices and rent have the biggest impact on the cost of living. Here are the key takeaways based on Saturday Night Science:

149 Cost of living index 1.5x higher vs US
#225 Cheapest in New York (of 336)
#5,661 Cheapest in the U.S. (of 6,489)
$732,089 Median home value
$2,218 Median rent
$142,368 Median income
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What is the cost of living in St. James, NY?

According to the most recent data on the cost of living, St. James has an overall cost of living index of 149, which is 1.5x higher than the national index of 100.

Compared to New York, St. James has a cost of living index that's 1.2x higher than New York's index of 121.

The standard of living in St. James ranks as #225 most affordable out of the 336 places we measured in New York. By definition, that implies St. James ranks as the #111 most expensive place in the Empire State.

For more reading on life in St. James, check out:

St. James Cost Of Living Vs. New York

Six factors go into calculating the cost of living index in St. James. Here is how it fares on each of the criteria:

  • The Services index in St. James is 105.

  • The Groceries index in St. James is 109.

  • The Health index in St. James is 235.

  • The Housing index in St. James is 109.

  • The Transportation index in St. James is 114.

  • The Utilities index in St. James is 115.

Living Expense St. James New York National Average
Overall 149 121 100
Services 105 105 100
Groceries 109 108 100
Health 235 143 100
Housing 109 112 100
Transportation 114 114 100
Utilities 115 111 100

St. James Cost Of Living Compared To New York Averages

Services
St. James 105
New York avg 105
Groceries
St. James 109
New York avg 108
Health
St. James 235
New York avg 143
Housing
St. James 109
New York avg 112
Transportation
St. James 114
New York avg 114
Utilities
St. James 115
New York avg 111

Index where 100 = national average. Source: cost-of-living index 2026.

For more reading on cost of living around New York, check out:

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Source: Cost-of-living index 2026, normalized to US average = 100

St. James, NY Housing Cost Breakdown

$732,089Median Home Value
$2,218Median Rent
$142,368Median Income

Housing swings affordability the most between places in New York, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:

  • The Median Home Value in St. James is $732,089.

  • The Median Rent in St. James is $2,218.

  • The Median Income in St. James is $142,368.

  • The Home Value To Income in St. James is 5.1x.

  • The Rent To Monthly Income in St. James is 0.19x.

Statistic St. James New York United States
Median Home Value $732,089 $507,794 $332,700
Median Rent $2,218 $1,621 $1,413
Median Income $142,368 $85,974 $80,734
Home Value To Income 5.1x 5.9x 4.1x
Rent To Monthly Income 0.19x 0.23x 0.21x

St. James, NY Costs By Category

Detailed St. James Services costs vs. New York
Item St. James New York
Shampoo $1.5 $1.28
Movie $13.76 $12.13
Bowling $19.63 $18
Haircut $32.33 $24.26
Beauty Salon $48.56 $45.56
Detailed St. James Groceries costs vs. New York
Item St. James New York
Ground Beef $6.34 $5.84
Fried Chicken $1.61 $1.57
Milk $4.73 $4.67
Potatoes $5.03 $4.93
Pizza $10.07 $12.09
Beer $10.62 $10.41
Toothpaste $3.66 $3.7
Detailed St. James Health costs vs. New York
Item St. James New York
Optometrist $140.1 $125.68
Doctor $143.23 $135.78
Dentist $123.0 $113.29
Detailed St. James Transportation costs vs. New York
Item St. James New York
Gasoline $3.33 $3.46
Tire Balancing $57.68 $59.92
Detailed St. James Utilities costs vs. New York
Item St. James New York
All Electricity $281.67 $193.99
Phone $185.16 $192.25

St. James SnackAbility

6Overall SnackAbility
Jobs 8/10
Housing 9.5/10
Affordability 7/10
Diversity 6/10
SafetyN/A
Amenities 9/10
Education 9/10
Commute 3/10

Cost Of Living In Cities Around St. James

The cost of living varies in the cities and towns around St. James. Here's a quick look at the cost of living in the most populous nearby places:

  • Commack, NY has a cost of living index of 154, 1.0x St. James.

  • Centereach, NY has a cost of living index of 139, 0.9x St. James.

  • Plainview, NY has a cost of living index of 166, 1.1x St. James.

City Population Cost Of Living Vs. St. James
Commack, NY 36,558 154 1.0x
Centereach, NY 31,839 139 0.9x
Plainview, NY 25,982 166 1.1x
Smithtown, NY 24,375 152 1.0x
Huntington, NY 19,948 168 1.1x
Syosset, NY 18,433 180 1.2x
Lake Ronkonkoma, NY 18,221 136 0.9x
Bethpage, NY 17,123 157 1.1x
South Farmingdale, NY 14,676 148 1.0x
Nesconset, NY 13,833 154 1.0x
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