ZIP Code 49782 — St. James CDP, MI Demographics & Data

ZIP code 49782 covers St. James, MI in Charlevoix County with a population of about 752.

At a glance, the area shows median age of 62.9 versus a U.S. median of about 38.9.

It sits in telephone area code 231; U.S. House district MI-1; the TRAVERSE CITY - CADILLAC media market.

St. James, MI fits a retirement-oriented profile (high share of residents 65+ (46.0%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 49782 is about $70,000 — about 7% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.3%; unemployment rate near 7.4%; 49.4% of adults with a bachelor’s degree or higher (about 15.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Manufacturing, and Retail trade; about 22.9% of workers reporting work-from-home (about 7.7 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $322,400 — about 7% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $725 (about 38% below the U.S. median rent ($1,163)), and owner-occupancy near 93.3% (about 27.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49782 in St. James, MI, a household would need roughly $89,000 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 $2,071. That is about 27% above the local median household income ($70,000), 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.

FEMA’s National Risk Index rates natural-hazard risk for St. James CDP, MI as Very Low (composite score 22.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (32.3) and hurricane (17.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for St. James CDP, MI show little to no average snow.

IRS migration statistics show a net inflow of about 29 for ZIP 49782 (St. James CDP, MI) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.