St. James City
Housing Market
Median sale price $425,000, up 2.0% year over year, with homes going under contract in about 83 days.
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Housing Market Analyst
Prices are up 2.0% versus the prior year and sellers are still collecting 88.4% of asking. Taken together, the data leans toward buyers — leverage is real for those ready to use it.
Who has leverage right now
Leverage scores are derived from the Momentum Score (supply, demand, speed, pricing power, and trend). Right now the data favors buyers.
- Mortgage sensitivity — at 4.6× income, this market is moderately sensitive to rate moves; rate relief tends to show up in demand here quickly.
Derived from current St. James City data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
Where St. James City is hot — and where it isn't
Each dot is a community (12 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.
The read on St. James City
The median sale price across St. James City currently stands at $425,000, up 2.0% from a year ago. Buyers are paying a median of $287 per square foot. The typical home goes under contract in about 83 days. Sellers are capturing 88.4% of their original asking price on average.
St. James City prices sit above the Lee County median by roughly 13%. Zillow's home value index for Lee County stands at $338,436. About 24% of listings county-wide have taken a price cut — a useful gauge of seller flexibility.
Weighing supply, demand, speed, pricing power, and trend together, the Momentum Score for St. James City is 38 of 100 — buyer's opportunity territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of August 6, 2026.
St. James City since 2014 — and where it’s heading
A median home here sold for $179,619 in 2014 and $446,570 over the last recorded year — 149% appreciation across 12 years of recorded sales. Cash buyers took 66% of recent sales, down from a 76% peak.
Median sale price · 2014–2026 (1,586 recorded sales)
Days on market by year
Cash buyers · share of sales
Home value trend · Lee County (Zillow ZHVI)
For-sale inventory · county (Zillow)
What’s driving St. James City
Top inbound states: NY, IL, NJ, OH. Movers arriving report ~$123,695 average income. Source: IRS SOI county-to-county migration, 2022-2023
6,508 Citizens policies in force in Lee County — the state-backed insurer of last resort. Budget insurance into any Lee purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026
9,962 single-family · 3,585 multi-family · 17.1 per 1,000 residents. Future supply pressure starts here. Source: U.S. Census Bureau, Building Permits Survey, 2025
The calls we’re making from today’s data
The sharpest 1-yr median swing among tracked communities. Thin samples can exaggerate swings — verify with a comp analysis before treating it as trend.
Buyers: ask for concessions — rate buydowns and repair credits are back on the table. Sellers: presentation and the first two weekends decide your outcome; price accordingly.
Generated from today’s data by Momentum’s analysis engine and reviewed on a rolling basis by our broker team.
How it stacks up across Lee County
| Market | Median | Active | Score | |
|---|---|---|---|---|
| St. James City ← this page | $425K | — | 38 | |
| Captiva | $295K | 1 | 35 | Open → |
Neighborhoods on the move
| GulfhavenSt. James City | $740K | ▲ 36% |
| Pine Island Tropical HomesitesSt. James City | $284K | ▲ 9% |
| Pine Island CoveSt. James City | $168K | ▲ 6% |
| St James CitySt. James City | $425K | ▲ 2% |
| Cherry EstatesSt. James City | $340K | ▲ -14% |
| Gulf HavenSt. James City | $470K | ▼ 35% |
| Bayview AcresSt. James City | $669K | ▼ 25% |
| Pine Island ShoresSt. James City | $695K | ▼ 25% |
| Cherry EstatesSt. James City | $340K | ▼ 14% |
| St James CitySt. James City | $425K | ▼ 2% |
| Flamingo BaySt. James City | $207K | 20 days |
| Pine Island ShoresSt. James City | $695K | 41 days |
| Cherry EstatesSt. James City | $340K | 61 days |
| Pine Island CoveSt. James City | $168K | 65 days |
| Gulf HavenSt. James City | $470K | 85 days |
St. James City ZIP codes
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in St. James City right now?
The data says conditions currently favor buyers in St. James City — the Momentum Score reads 38/100. For buyers that means preparation over hesitation: well-priced homes still move fast, but there is more room to negotiate than a year ago. The right timing always depends on your rate, your equity, and how long you plan to stay — not just the market.
Is St. James City becoming more affordable?
No — the median sale price in St. James City is $425,000, up 2.0% versus the prior year, while sellers still capture 88.4% of asking price. Rising prices mean waiting has a cost; affordability hinges mostly on your rate.
Where are prices falling fastest in St. James City?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are Gulf Haven (-35%); Bayview Acres (-25%); Pine Island Shores (-25%). Note that community-level medians move on small sale counts — a few high- or low-end closings can swing them — so treat these as leads for a comp analysis, not verdicts.
Which St. James City neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are Flamingo Bay (20 days); Pine Island Shores (41 days); Cherry Estates (61 days) — homes there go under contract well ahead of the market-wide pace of 83 days.
How does St. James City compare to the rest of Lee County?
St. James City's median of $425,000 runs 13% above the county-wide median of $375,000, and homes here take 83 days to go under contract versus 60 county-wide.
St. James City housing market FAQ
What is the median home price in St. James City?
The median sale price in St. James City is currently $425,000, up 2.0% from a year ago, based on MLS sales data updated August 6, 2026.
Is St. James City a buyer's or seller's market right now?
The data currently favors buyers. St. James City scores 38 of 100 on the Momentum Score. Conditions change; this page updates daily.
How long do homes take to sell in St. James City?
The typical home in St. James City goes under contract in about 83 days, per current MLS data.
Are home prices in St. James City rising or falling?
Median sale prices are up 2.0% year over year based on a rolling comparison of MLS sales.
Momentum agents use this intelligence every day to price listings and write winning offers across St. James City. Talk through what the numbers mean for your move.
Every number on this page is computed directly from licensed Florida MLS feeds, recorded public sales, Zillow Research, and U.S. Census data — nothing is manually adjusted or estimated by hand. Medians use recorded closed sales; supply figures use live listing counts refreshed twice daily; the Momentum Score methodology is summarized .
Analyst oversight: Jon Brooks — Co-Founder, Momentum Realty · CEO, Momentum Research · Housing Market Analyst · methodology reviewed quarterly · Last data refresh: August 6, 2026 at 7:18 PM ET
Statistics on this page are computed automatically from licensed MLS feeds and public data sources (Zillow Research, U.S. Census Bureau) and summarized without manual review. Figures are estimates based on recent recorded activity, are deemed reliable but not guaranteed, and should be verified with a licensed agent before making decisions. This page does not constitute an appraisal or an automated valuation of any specific property. Momentum Realty is licensed in Florida and Georgia. Equal Housing Opportunity.