Cost of Living in St. James, MN

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15%
Overall NAT. AVG.
0%
Groceries NAT. AVG.
50%
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 Minnesota National
Cost of living85100100
Groceries100100100
Health care101100100
Housing50100100
Transportation97100100
Utilities106104100
Lifestyle & Entertainment99100100
Household Items97100100
Education & Childcare10499100
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Homes For Sale In St. James, MN

property for sale

1305 9th Ave S

St James, MN
property for sale

1134 9th St N

Saint James, MN
property for sale

916 Armstrong Blvd N

Saint James, MN
property for sale

101 8th Ave N

Saint James, MN

Cost Of Living Quick Facts

  • The cost of living in St. James is 15% lower than the Minnesota average
  • The cost of living in St. James is 15% lower than the national average
  • St. James housing is 50% lower than the national average
  • Minnesota general sales tax is 35% higher than the national average
  • Minnesota state income tax is 106% higher than the national average

Most Affordable Places to Live in and Around St. James

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      The best places in Minnesota

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      Salary Calculator

      This is how much you would need to earn in
      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$85,922$7,160$2,005$2,578
      Renters$39,330$3,278$918$1,180
      The affordability of the housing market in St. James, MN as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among St. James homeowners, the median income is $85,922. This indicates that a monthly maximum of $2,005 should be spent by homeowners on all housing related costs. Renters have a median income of $39,330. This indicates that renters would have a maximum of $918 for their rent related monthly costs.

      Minnesota Sales Tax

      State General Sales Tax With Max Surtax
      Minnesota 6.875% 7.875%

      Minnesota Income Tax

      State Income Tax (Low) Income Tax (High)
      Minnesota 5.35% 9.85%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Odin, MN1377822.0%
      Ormsby, MN1097921.3%
      Darfur, MN737920.9%
      Lewisville, MN3478019.7%
      La Salle, MN788119.3%
      St. James, MN4,5208514.6%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Beaufort, NC4,5201021.5%
      Boalsburg, PA4,52012121.2%
      Indian Mountain Lake, PA4,5201011.5%
      Mauston, WI4,5209010.3%
      Fruit Hill, OH4,519973.0%
      St. James, MN4,5208514.6%
      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.
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