Saint James City, FL

The affordability dashboard for Saint James City, FL aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 3,776 residents, then layers in county-level federal data to produce an overall grade of D (42/100). The headline inputs are median household income of $69,534, median home value of $318,200, median rent of $2,829 per month, and 23.9% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,961 per month (studio $1,629, 1BR $1,638, 3BR $2,560, 4BR $2,836). Department of Labor data lists infant center-based childcare at $10,400 per year, consuming 15% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Pressure points are education, housing, rent. Unemployment currently reads 9.1% and poverty 9.7% — numbers worth keeping alongside the headline grade.