US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 11780
  5. Housing & Real Estate
St. James CDP, NY

ZIP 11780 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 11780

Median Home Value
$702,900
Median Rent
$2,066
Affordability Snapshot
$193,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,515/mo PITI).

18%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

28.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 11780 in St. James CDP, NY, a household would need roughly $193,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,515. That is about 36% above the local median household income ($141,576), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
86.7%+33% vs US avg
x
Vacancy Rate
5.6%-46% vs US avg
x
Broadband Access
94.3%+8% vs US avg
x
4+ Bedrooms
13.8%-7% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
25.7%-48% vs US avg
x
Mortgage-Free
42.9%+12% vs US avg
x
$702,900
Home Value
$2,066
Rent
1973
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached77.2%
  • 1-unit attached10.3%
  • 2-9 units10.6%
  • 10+ units1.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$702,900
Median rent$2,066
Owner-occupied86.7%
Vacant5.6%
Price-to-income5.0x
Est. income to buy$193,000