The St. James City CDP occupies the southern half of Pine Island, with the town center situated at the southern end of the island. The community is bordered by San Carlos Bay to the south, by Pine Island Sound to the west, by San Carlos Bay, Matlacha Pass, and Pine Island Creek to the east, and by the community of Pine Island Center to the north. Stringfellow Road (County Road 767) is the main road in the community, running north–south along the center of the island. By road it is 17 miles (27 km) to the middle of Cape Coral and 26 miles (42 km) to downtown Fort Myers, the Lee county seat.
According to the United States Census Bureau, the St. James City CDP has a total area of 16.7 square miles (43.2 km2), of which 14.6 square miles (37.8 km2) are land and 2.1 square miles (5.4 km2), or 12.45%, are water.[5]
As of the census[2] of 2000, there were 4,105 people, 2,138 households, and 1,417 families residing in the CDP. The population density was 281.1 inhabitants per square mile (108.5/km2). There were 2,921 housing units at an average density of 200.0 per square mile (77.2/km2). The racial makeup of the CDP was 98.95% White, 0.10% African American, 0.15% Native American, 0.27% Asian, 0.15% from other races, and 0.39% from two or more races. Hispanic or Latino of any race were 0.76% of the population.
There were 2,138 households, out of which 7.0% had children under the age of 18 living with them, 62.4% were married couples living together, 2.5% had a female householder with no husband present, and 33.7% were non-families. 28.1% of all households were made up of individuals, and 18.2% had someone living alone who was 65 years of age or older. The average household size was 1.92 and the average family size was 2.28.
In the CDP, the population was spread out, with 7.1% under the age of 18, 1.7% from 18 to 24, 10.8% from 25 to 44, 35.4% from 45 to 64, and 45.0% who were 65 years of age or older. The median age was 63 years. For every 100 females, there were 98.5 males. For every 100 females age 18 and over, there were 97.8 males.
The median income for a household in the CDP was $35,746, and the median income for a family was $42,176. Males had a median income of $34,120 versus $22,179 for females. The per capita income for the CDP was $26,520. About 1.5% of families and 4.3% of the population were below the poverty line, including 6.0% of those under age 18 and 3.8% of those age 65 or over.