St. James: Economy & Jobs
St. James's typical household earns $97,361 (1.3× higher than Washington County median $77,747; 1.1× below Maryland median $104,408), with homes at a median value of $409,000. The surrounding county supports 64,206 jobs (avg $58,252).
- $68,244 avg taxable income per return — lower than the median household income.
Income & Affordability
Median household income $97,361 — below the Maryland median ($104,407). Poverty rate 4.1% (U.S. average ~12.5%). 13% of renters spend more than half their income on rent ("severely cost-burdened" by HUD definition; U.S. ~24%).
| Affordability · Home Price To Income | 4.2× |
|---|---|
| Affordability · Home Affordability | moderate |
| Affordability · Rent Pct Income | 15.4% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 12.9% |
| Affordability · Poverty Rate | 4.1% |
| Affordability · Property Tax Pct Income | 2.9% |
| Irs Income · IRS tax returns filed | $74,860 |
| Irs Income · Total Adjusted Gross Income (thousands) | $5,108,754 |
| Irs Income · Average AGI per return | $68,244 |
| Irs Income · Year | 2022 |
| Income Estimate | $117,489 |
| Median Household Income | $97,361 (vs Maryland $104,408) |
| Poverty Rate | 4.1% |
Sources: IRS SOI 2022 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Economic Character
Qualitative classification derived from Census occupation, industry, and income data — workforce composition (white-collar/blue-collar), top employing sector, and income tier.
| Economic Character · Workforce | mixed |
|---|---|
| Economic Character · Top Industry | Education Healthcare |
| Economic Character · Income Level | upper-middle |
| Economic Character · Median Income | $97,361 |
Employment & Workforce
Employment + workforce stats. The county-level employment count covers all jobs within the county, not just town residents. Unemployment rate 0.9% — below the U.S. average of ~4%. 9% work from home (U.S. average ~15%).
| Commuter Profile · Work From Home Pct | 8.6% |
|---|---|
| Commuter Profile · Primary Mode | drove alone |
| Employment · Avg annual employment (county) | 64,206 |
| Employment · Total annual wages (county) | $3,740,124,017 |
| Employment · Average annual pay | $58,252 |
| Employment · Year | 2024 |
| State Occupation Wages · Year | 2023 |
| State Occupation Wages · All Occupations · Soc Code | 00-0000 |
| State Occupation Wages · All Occupations · Title | All Occupations |
| State Occupation Wages · All Occupations · Employment | 2,677,430 |
| Unemployment Rate | 0.9% (vs Maryland 5.1%) |
Sources: BLS QCEW 2023 · BLS Occupational Employment and Wage Statistics (OES) · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Industry Sectors
Major industries by establishment count from Census County Business Patterns (2022). Sectors are NAICS-coded; counts are county-wide employer establishments.
| Agriculture · Total Farms | 7 |
|---|---|
| Agriculture · Land In Farms Acres | 396 |
| Agriculture · Avg Farm Size Acres | 56.60 |
| Agriculture · Top Commodities | Animal Totals, Milk, Crop Totals, Grain, Cattle |
| Agriculture · Year | 2022 |
| Business Patterns · Establishments (employer count) | 3,432 |
| Business Patterns · Total Employees | 63,993 |
| Business Patterns · Annual Payroll Thousands | 3,087,200 |
| Business Patterns · Year | 2022 |
Sources: USDA NASS Census 2022 — county FIPS matched · Census CBP API — county FIPS match
Local Business Mix
Retail and service businesses by category (Census CBP NAICS-coded). Counts cover the surrounding county, not just the town. Reflects the everyday commercial mix residents can access.
| Local Businesses · Grocery Stores | 28 |
|---|---|
| Local Businesses · Convenience Stores | 15 |
| Local Businesses · Liquor Stores | 33 |
| Local Businesses · Gas Stations | 32 |
| Local Businesses · Department Stores | 3 |
| Local Businesses · General Merchandise | 28 |
| Local Businesses · Clothing Stores | 22 |
| Local Businesses · Pet Stores | 5 |
Sources: Census CBP — NAICS detail codes
Dining Scene
Eating + drinking establishments by NAICS category (Census CBP 2022) — full-service restaurants, fast-food, bars, coffee shops. County-level counts.
| Dining Scene · Full Service Restaurants | 100 |
|---|---|
| Dining Scene · Fast Food | 128 |
| Dining Scene · Bars | 20 |
| Dining Scene · Coffee Snacks | 30 |
Sources: Census CBP NAICS 722
Banking
FDIC-insured bank branches with addresses. Branch density correlates with population — fewer branches per resident in lower-density areas.
Branches (10)
SNAP & Food Access
USDA-authorized SNAP retailers — supermarkets, super stores, convenience stores, and other locations where SNAP benefits can be redeemed. Per-1K density tracks food access.
Sample (2)
| Nearest Snap · Name | Williamsport AC&T 190 |
|---|---|
| Nearest Snap · Distance | 0.7 mi |
Sources: USDA SNAP — nearest by coordinates
Chamber of Commerce
IRS-registered chamber of commerce organizations matched to this town. Reflects the IRS Exempt Organizations BMF; some chambers operate informally and may not appear here.
| Chamber Of Commerce · Name | WASHINGTON COUNTY CHAMBER OF COMMERCE INC |
|---|
Sources: IRS EO BMF · Refreshed 2026-04-12
Spending & Tax
Federal spending flowing to the surrounding county — direct payments, grants, contracts, loans (USAspending.gov).
| Federal Spending · Federal Spending Fy2024 | $1,017,562,125 |
|---|---|
| Federal Spending · Per Capita | 6,577.44 |
| Federal Spending · Population | 154,705 people |
Sources: USAspending API
Other
| Pct Drove Alone | 85.2% |
|---|---|
| Pct Public Transit | 0.3% |
| Pct Walked | 8.6% |
| Retirement Score · Median age | 40.9 years (vs Maryland 39.3y) |
| Retirement Score · Ss Household Pct | 34.2% |
| Retirement Score · Hospitals Nearby | 2 |
| Retirement Score · Va Access | Yes |
| Retirement Score · Factors | older population, strong SS base, hospital access, VA nearby |
| Retirement Score · Rating | excellent |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12