States · Maryland · Washington County

Saint James, Maryland.

Typical home $452,164 (+0.5% in a year). Hagerstown-Martinsburg, MD-WV metro.

What it costs per month · Saint James $2,373/mo

to buy the typical home at today's mortgage rate — +$1,244 (+110%) since Jan 2020.

What the home itself did
1 year
Up $2,141 +0%
$450,023$452,164 since Sep 2025
5 years
Up $74,271 +20%
$377,893$452,164 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 $2,500 2002 2006 2010 2014 2018 2022 2026 Saint James $2,373 Maryland $2,230 United States $1,922
$500 $1,000 $1,500 $2,000 $2,500 2002 2010 2018 2026
  • Saint James$2,373
  • Maryland$2,230
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 19 years.

Typical home values in Saint James, MD rose 0.5% over the past year — slower than the nation's +1.2%.

Living in Saint James, Washington County, Maryland

Saint James, in Washington County, had 4,757 people in the 2020 census. Half its households earn more than $97,361 a year and half less, against $77,747 across Washington County; 4% of its people live below the poverty line. Unemployment in Washington County was 3.9% in August 2026, and the county had 3.0% more jobs in 2025 than the year before. The most people in Washington County work in schools and health care, then shops.

People 4,757 in the 2020 census
Household income $97,361 the median, give or take $18,115 · Washington County: $77,747
Unemployment 3.9% Washington County, August 2026; 4.9% a year before
Homes Too few homes in Saint James for the Census survey to measure.

Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.

What it’s like

The place. Saint James is a community in Washington County, Maryland, with incomes well above the county's and a poverty rate that is low. Homes here are valued above what many Americans would expect to pay, and a good share of adults hold a four-year degree. Winters are cold, with January the chilliest month, and summers are warm, with July the warmest; rain and melted snow fall steadily across the year.

Work. Residents work mostly in schools, hospitals and social care, with shops, professional and business services, and the building trades also employing many. Across Washington County, the largest workplaces include Washington County Public Schools, Meritus Medical Center and FedEx. Unemployment in the county has eased compared with a year earlier, and the county has added jobs over the past year. A small share of residents work from home.

Things to do. A short drive away, Washington Monument State Park is a protected area on the mountain, and Antietam National Battlefield is an archaeological site with a place in the nineteenth century's history. The Washington County Museum of Fine Arts, also a short drive off, offers a quieter afternoon indoors. For a longer outing, Harpers Ferry National Historical Park is a protected area a longer drive away.

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  • 1,654households
  • 29%of adults have a degree
  • 4%below the poverty line
  • 9%work from home

What people in Washington County work in

  • Schools, hospitals and social care22%
  • Shops (retail)12%
  • Professional and business services12%
  • Building trades9%
  • Government8%
  • Transport, warehouses and utilities8%

Employed residents by industry, from the Census survey. Washington County had 66,110 jobs in 2025, 3.0% more than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 40° and 22°; warmest in July, 86° and 66° 20° 40° 60° 80° J 40° 22° F M A M J J 86° 66° A S O N D
Average daily high and low for each month: coldest in January, 40° and 22°; warmest in July, 86° and 66° 20° 40° 60° 80° J 40° 22° F M A M J J 86° 66° A S O N D

Coldest in January, with highs near 40° and lows near 22°; warmest in July, with highs near 86° and lows near 66°. About 44 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Hagerstown East weather station, 5 miles away (NOAA).

Largest workplaces in Washington County

  1. Washington County Public SchoolsSchool district3,388FTE
  2. FedExCourier and express delivery services2,113
  3. Meritus Medical CenterGeneral hospital2,038FTE
  4. Volvo Group Trucks OperationsAutomatic transmissions, automotive, truck, and bus, manufacturing1,512
  5. AmazonGeneral warehousing and storage1,058
  6. AmazonGeneral warehousing and storage674
  7. Hagerstown Community CollegeTwo-year college594
  8. AmazonGeneral warehousing and storage583

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 149 workplaces with 20 or more staff, 21,240 people in all across the county; Saint James has one of its own. School districts come from the Common Core of Data (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.

Natural hazards

  1. DroughtRelatively moderate
  2. HurricanesRelatively moderate
  3. Winter weatherRelatively moderate
  4. Strong windRelatively moderate
  5. LightningRelatively moderate
  6. Heat wavesRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Saint James’ census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.

From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Washington County and the Hagerstown-Martinsburg, MD-WV metro.

Saint James home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

$250,000 $300,000 $350,000 $400,000 $450,000 2018 2020 2022 2024 2026 Saint James $452,164 Maryland $424,890 United States $366,157
$250,000 $300,000 $350,000 $400,000 $450,000 2018 2022 2026
  • Saint James$452,164
  • Maryland$424,890
  • United States$366,157

Sellers are cutting prices on about 1 in 3 Saint James listings — the market is roughly in balance.

When this market ran hot

Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.

JFMAMJJASOND
2026
2025
2024
2023
2022
2021
2020
2019
2018
falling flat warming hot overheating runaway

Market heat, inside the city limits

Share of listings with a price cut

The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.

Not enough data to draw this yet.

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

5 10 15 20 2025 2026 Saint James 19
5 10 15 20 2025 2026
  • Saint James19

New listings per month

Sellers arriving at the market.

6 6 7 2026 Saint James 6
6 6 7 2026
  • Saint James6

Zip codes with a Saint James address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Saint James — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zillow publishes no zip-level series with this city on the address.