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City · 19,166 residents · Camden County, Georgia

St. Marys , Georgia

In St. Marys, a typical home is worth $312,300 and typical rent is $1,183 a month. Compared with all of Camden County, the typical home value is 19% higher and the share of households that own their home is 7 points lower.

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  • Typical home value

    $312,300

    19% above the county

    3% above Georgia

    • St. Marys
    • Camden
    • Georgia

  • Typical rent

    $1,183a month

    4% below the county

    15% below Georgia

    • St. Marys
    • Camden
    • Georgia

  • Typical household income

    $74,288a year

    About the same as the county

    4% below Georgia

    • St. Marys
    • Camden
    • Georgia

  • Households that own their home

    61%

    7 points below the county

    5 points below Georgia

    • St. Marys
    • Camden
    • Georgia

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$312,385
about the same as 12 months ago
Typical rent
$1,570 a month
3.7% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

St. Marys is in Camden County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Camden County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets St. Marys apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Dock Junction, the typical home value is $143,700: 54% less than in St. Marys ($312,300).

  2. Nearby, in Brunswick, the typical rent is $951: 20% less than in St. Marys ($1,183).

  3. The typical home in St. Marys is worth $312,300, 19% more than in Camden County as a whole ($261,400).

  4. 61% of households in St. Marys own their home, against 68% in Camden County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in St. Marys

What homes there are in St. Marys, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 70% of homes here, against 66% in Camden County.

Year built

By age, homes in St. Marys look like those in Camden County: the typical year built is 1994.

There are fewer big homes in St. Marys than in Camden County: 71% have 3 bedrooms or more, against 76%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,741 a month

Camden County: $1,565 a month

Without a mortgage

$603 a month

Camden County: $513 a month

Owners with a mortgage

66%

Camden County: 64%

The typical cost for an owner with a mortgage in St. Marys is $1,741 a month, more than in Camden County ($1,565); without one, $603.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in St. Marys rose 71% since 2015–2019, more than in Camden County (58%).

Rents in St. Marys rose more slowly than in Camden County: 15% since 2015–2019, against 31%.

The typical household income in St. Marys rose 24% over that time; home values changed +71% and rent +15%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureSt. MarysCamden CountyGeorgiaUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate1.7%2.4%3.4%
People per household 2.572.552.622.53
Drive alone 79%77%71%69%
Carpool 8%7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%1%3%
Work from home 11%11%16%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in St. Marys look like those in Camden County: 2.57 people on average.

To get to work, 79% of workers in St. Marys drive alone; in Camden County, 77%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in St. Marys?

A typical home costs more than the typical income allows

We start with a typical home in St. Marys, worth $312,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in St. Marys, which is $74,288 a year. For that payment to be 28% of income, a household would need to earn about $111,343 a year.

The calculator's FHA and conventional loan limits are those of all of Camden County.

Your numbers

Local data
$

Starts at the typical home value in St. Marys. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $10,931 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,598

at 7.18% · 30 years

Loan amount
$306,643
Total interest
$441,187
Paid off in
November 2056

Includes $5,274 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,733 a month

  • Tight

    $1,733 to $2,229 a month

  • Hard

    more than $2,229 a month

    Your payment · 42%

Compared with the typical household income in St. Marys ($74,288 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,598
Principal & interest$2,077
Property tax$252
Home insurance$130
FHA mortgage insurance (MIP)$138

You need at least $10,931 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

St. Marys and Camden County

St. Marys is in Camden County, Georgia. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

St. Marys's own numbers

Typical home value
$312,300
Typical monthly rent
$1,183
Typical yearly household income
$74,288
Households that own their home
61%
Effective property tax rate
0.97%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Camden County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,300
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
8.8%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Camden County.

Everything about Camden County

Buying

Buying a home in St. Marys

A typical home in St. Marys is worth $312,300: 19% above the county and 3% above Georgia. With the typical household income in St. Marys ($74,288 a year), a typical home costs 4.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • St. Marys 4.2 years
  • Camden 3.5 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Camden County

According to FHFA’s house price index, home prices in Camden County rose 104% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Camden County.

Period County Georgia U.S.
Last year (2025) −1.3% +2.2% +2.9%
5 years (2020–2025) +58% +58% +47%
10 years (2015–2025) +104% +110% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

St. Marys next to Camden County, Georgia and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • St. Marys $312,300
  • Camden $261,400
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • St. Marys $1,183
  • Camden $1,235
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • St. Marys $74,288
  • Camden $74,378
  • Georgia $77,353
  • United States $80,734
See the full table
St. Marys next to Camden County and Georgia
Measure St. Marys Camden County Georgia U.S.
Typical home value $312,300 $261,400 $303,300 $332,700
Typical monthly rent $1,183 $1,235 $1,393 $1,413
Typical yearly household income $74,288 $74,378 $77,353 $80,734
Households that own their home 61% 68% 66% 65%
Typical yearly property tax $3,038 $2,305 $2,341 $3,119
Effective property tax rate 0.97% 0.88% 0.77% 0.94%
Renters with high rent for their income 48% 50% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Camden County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in St. Marys

For a typical $312,300 home in St. Marys, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Marys's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,598a month

    Least cash to close
    Down payment
    $10,931
    Cash to close
    $20,300
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $138

  • Conventional, 5% down $2,541a month

    Down payment
    $15,615
    Cash to close
    $24,984
    Rate
    7.18%
    Mortgage insurance
    PMI · $148

  • Conventional, 20% down, no PMI $2,075a month

    Down payment
    $62,460
    Cash to close
    $71,829
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,364a month

    Down payment
    $46,845
    Cash to close
    $56,214
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for St. Marys and for Camden County.

Property tax

Effective rate in St. Marys

0.97%of the home’s value each year

$3,038 a year for the typical owner in St. Marys.

  • St. Marys 0.97%
  • Camden 0.88%
  • Georgia 0.77%

What Georgia publishes Standard state homestead exemption (Georgia Department of Revenue)

Exemptions and deadlines in Georgia

Flood risk in Camden County

FEMA does not publish these numbers by city: they are for all of Camden County.

Homes in the high-risk zone
8.8%
1,724
Of those, with NFIP insurance
75%
County Georgia U.S.
Homes in the high-risk zone 8.8% 2% 3.5%
Of those, with NFIP insurance 75% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in St. Marys

Typical rent in St. Marys is $1,183 a month: 4% below the county. In St. Marys, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Camden County, by unit size. To pay the 2-bedroom one ($1,300 a month) without spending more than 30% of your income, you would need to earn $25.00 an hour working full time.

HUD fair market rent for all of Camden County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,071 $20.60 $42,840
1 bedroom $1,194 $22.96 $47,760
2 bedrooms $1,300 $25.00 $52,000
3 bedrooms $1,800 $34.62 $72,000
4 bedrooms $2,111 $40.60 $84,440

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in St. Marys

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Marys is in ZIP code 31558.

For 2 bedrooms it is $1,350: $50 more than the fair market rent for Camden County ($1,300).

  • 31558 $1,350$1,870

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for St. Marys when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in St. Marys

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Camden County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in St. Marys

No down payment, repair or rent-help program on our list is for St. Marys or Camden County. The ones below are statewide in Georgia: they work in St. Marys the same as in the rest of the state.

Which programs do I qualify for? All programs in Georgia

  • Georgia Dream Homeownership Program

    Statewide in Georgia

    Georgia state program for first-time buyers: a mortgage with down payment assistance of up to 5% of the price or $10,000, as a 0% second mortgage with no monthly payments. Offered by Georgia Department of Community Affairs.

    Deferred

    See the program Official page

  • Georgia Dream Peach Plus Loan Program

    Statewide in Georgia

    FHA or VA mortgage from the Georgia Dream program with down payment assistance of 3.5% of the price (up to $10,000), or 4% (up to $12,500) for police officers, educators, health care workers, military members or families with a person with a disability; no first-time buyer requirement. Offered by Georgia Department of Community Affairs.

    Type not stated

    See the program Official page

Housing counselors near St. Marys

The HUD-approved agencies closest to the center of St. Marys, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Jcvision and Associates, Inc

    135 E Ml King Jr Dr, Hinesville · 75 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (912) 877-4243

  • Credit.org - Savannah, GA Branch

    100 Bull St, Savannah · 96 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (800) 431-8157

  • CCCS of the Savannah Area, Inc. - Statesboro Branch

    515 Denmark Street Suite 700, Statesboro · 118 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (912) 691-2227

All counseling agencies in Georgia

Help in Spanish near St. Marys

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of St. Marys

In HUD’s record, no housing authority with an office in Camden County is named for St. Marys or Camden County.

One other authority has an office in Camden County: see the list Source: HUD

Cities

Other cities in Camden County

These cities are also in Camden County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Camden County Housing in Georgia

Nearby cities

The cities closest to St. Marys, with the typical home value.

Neighboring counties

If Camden County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in St. Marys.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about St. Marys

Short answers with the numbers for St. Marys and all of Camden County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in St. Marys?

The typical home value in St. Marys is $312,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Camden County it is $261,400.

How much does it cost to rent in St. Marys?

Typical rent in St. Marys is $1,183 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Camden County is $1,300.

What is the FHA loan limit in St. Marys?

St. Marys uses the FHA limit for all of Camden County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in St. Marys?

The typical homeowner in St. Marys pays $3,038 a year, according to the U.S. Census Bureau. That is 0.97% of the home’s value; in Camden County, the rate is 0.88%.

Where can I find free help to buy or rent in St. Marys?

We found no HUD-approved counseling agencies with an office in Camden County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).