Cost Of Living in St. James, MI

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A-

8%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

31%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	St. James	Michigan	National
Cost of living	108	91	100
Groceries	97	98	100
Health care	96	97	100
Housing	131	76	100
Transportation	99	96	100
Utilities	99	100	100
Lifestyle & Entertainment	94	96	100
Household Items	98	98	100
Education & Childcare	103	95	100

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Homes For Sale In St. James, MI

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Beaver Island, MI

Cost Of Living Quick Facts

The cost of living in St. James is 19% higher than the Michigan average
The cost of living in St. James is 8% higher than the national average
St. James housing is 31% higher than the national average
Michigan general sales tax is 18% higher than the national average
Michigan state income tax is 64% higher than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$100,298	$8,358	$2,340	$3,009
Renters	$49,100	$4,092	$1,146	$1,473

Michigan Sales Tax

State	General Sales Tax	With Max Surtax
Michigan	6%	6%

Michigan Income Tax

State	Income Tax (Low)	Income Tax (High)
Michigan	4.25%	4.25%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
St. James, MI	215	108	7.7%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Daviston, AL	215	84	16.3%
Monson, CA	215	118	18.1%
Point Reyes Station, CA	215	277	176.9%
Rippey, IA	215	80	20.0%
Rio, IL	215	84	15.7%
St. James, MI	215	108	7.7%