St. James City: Housing & Real Estate
$319,700 is the median home value in St. James City (estimated market value runs 9% higher at $347,419), with median rent $2,829 (1.9× higher than Lee County median $1,466; 1.8× higher than Florida median $1,564). Homeownership rate: 90.8%. That's 1.1× higher than the Lee County median ($290,900); about the same as the Florida median ($325,000). Market is warm. Vacancy rate 48.6%. New construction makes up 10.0% of stock. A municipal building code is in effect.
- 4.6× annual income — home value vs. household income (vs Florida 5.1×).
- 9.4 years to break even renting at the median (vs Florida 18y).
- 4-BR rent is 1.7× a studio — rent gradient by unit size.
- Median rent runs 44% above HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $319,700 — 0.9× the Florida median ($369,200). Median rent $2,829/month. homeownership rate 90.8% — above the U.S. share of ~65%.
| Affordability · Home Price To Income | 4.6× |
|---|---|
| Affordability · Home Affordability | moderate |
| Affordability · Rent Pct Income | 39.1% |
| Affordability · Rent Affordability | cost-burdened |
| Affordability · Pct Severely Rent Burdened | 48.7% |
| Affordability · Poverty Rate | 9.7% |
| Affordability · Property Tax Pct Income | 4.0% |
| Fair Market Rent · Studio rent | $1,629 (vs Florida $1,593) |
| Fair Market Rent · One-bedroom rent | $1,638 (vs Florida $1,696) |
| Fair Market Rent · Two-bedroom rent | $1,961 (at Florida median) |
| Fair Market Rent · Three-bedroom rent | $2,560 (vs Florida $2,527) |
| Fair Market Rent · Four-bedroom rent | $2,836 (vs Florida $3,027) |
| Fair Market Rent · HUD FMR area | Cape Coral-Fort Myers, FL MSA |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $347,419 |
| Median Home Value | $319,700 (vs Florida $369,200) |
| Median Rent | $2,829 (vs Florida $1,711) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | warm |
|---|---|
| Housing Market · Vacancy rate | 48.6% |
| Housing Market · New construction (% of stock) | 10.0% |
| Housing Market · Price Appreciation 2Yr | 12.3% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (5)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% (at Florida median) |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% (at Florida median) |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% (at Florida median) |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 97.3% (vs Florida 74.2%) |
| Broadband · Broadband-capable premises | 3,931 |
| Electricity · Electricity rate (¢/kWh) | 14.14¢/kWh |
| Electricity · Customers | 10,443,373 |
| Electricity · Revenue Millions | $19,561 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 91% (vs Florida 100.0%) |
| Mobile Broadband · 5G mobile coverage | 99% (vs Florida 100.0%) |
| Mobile Home Parks Detail · County total | 8 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 90.8% (vs Florida 64.3%) |
|---|---|
| Median Year Built | 1986 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12