The median home in Saint James, Maryland is valued at $444,454, up 1.0% year over year. Saint James is part of the Hagerstown-Martinsburg, MD-WV metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$444,454

+1.0%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$88,891 on $444,454

Example: $75,000 household income. Change it above to see your own.

Out of reach44.3% of income

Need $118,714/yr to afford.

PITI$2,770

P/I44.3%

Afford$281K

Gap-$164K

P&I $2,247Tax $389Ins $133

6.50% 30yr, 20% down, county tax + MD ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Maryland

Compare Saint James with other housing markets across Maryland.

Gibson Island$2.94M Chevy Chase View$1.43M Potomac$1.35M Glen Echo$1.29M Cabin John$1.25M Chevy Chase$1.2M Bethesda$1.11M Dayton$1.06M

Full Hagerstown-Martinsburg, MD-WV analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Hagerstown-Martinsburg, MD-WV metro.

View Hagerstown-Martinsburg, MD-WV metro

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Saint James, MD