Cost of Living in James City, PA

With a cost of living index of 70, James City, PA is one of the most affordable cities in the country. Living here is 30% cheaper than the national average and 13% below the Pennsylvania state average of 83. James City is a small community of 176 residents.

Housing costs are the biggest factor in James City's cost of living. The median monthly rent is $1,068 (19% below the US median of $1,319), and the median home value sits at $53,900 (82% below the national median of $304,900). At current prices, the median home costs roughly 0.8x the median household income — well within traditional affordability guidelines.

The median household income in James City is $64,028, which is 15% lower than the national median of $75,149. Residents spend roughly 20% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum. Lower incomes here are balanced by the significantly lower cost of living, stretching each dollar further.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.