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St. James CDP, MD

ZIP 21733 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21733

Median Home Value
$316,300
Median Rent
N/A
Affordability Snapshot
$87,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,032/mo PITI).

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 21733 in St. James CDP, MD, a household would need roughly $87,000 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 $2,032. That sits below the local median household income ($106,667), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
86.0%+32% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
9.0%-39% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
31.9%-16% vs US avg
x
$316,300
Home Value
N/A
Rent
1968
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached89.5%
  • 1-unit attached10.5%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$316,300
Median rent$-666,666,666
Owner-occupied86.0%
Vacant0.0%
Price-to-income3.0x
Est. income to buy$87,000