Looking for a reserve study in St. James, MO? Describe your project once and up to three reserve study specialists who work in St. James and Phelps County get back to you with a quote. It's free and there is no obligation.
St. James is home to about 3,932 people (2024 Census Bureau estimate), a stable community (+0.1% since 2020). With 926 people per sq mi, it is a semi-rural area. Condominiums and HOAs here rely on reserve studies to fund roofs, paving, pools and building systems.
St. James at a glance
- Population (Census Bureau estimate, 2024)
- 3,932 (+0.1% since 2020)
- Rank in Missouri
- 165th of 938 cities and towns
- Land area
- 4.2 sq mi
- Population density
- 926 people per sq mi (semi-rural)
- Type
- City (St. James city)
- Main county
- Phelps County
What to check before hiring in St. James
- State law: in Missouri, check whether reserve studies are required and how often.
- Credentials: ask for CAI RS or APRA PRA credentials, or an engineer for structural studies.
- Site visit: compare proposals with and without a site visit.
- Price drivers: community size, number of components, buildings and site visit.
Useful official resources
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Community Associations Institute
Official information and guidance.
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Association of Professional Reserve Analysts
Official information and guidance.
Services available in St. James
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Full reserve study
Site inspection, component inventory and funding plan for the association's reserves.
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Reserve study update
Update of an existing reserve study, with or without a site visit.
Frequently asked questions in St. James
How much does a reserve study cost in St. James, MO?
It depends on the size of the community and the components. Describe your association: specialists who serve St. James send a proposal.
How long does it take?
Often a few weeks from site visit to report.
Is a reserve study required?
In several states, yes; in others it is strongly recommended.
Which reserve study specialists will contact me?
Up to three independent reserve study specialists who serve St. James and the surrounding area, chosen for the service you need. Your details are shared only with your consent.
Source: U.S. Census Bureau, Population Estimates Program (Vintage 2024) and Gazetteer Files (public domain), imported on 10/31/2026. Figures describe the incorporated place or county as published; they are shown for information only.