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City · 16,228 residents · Glynn County, Georgia

St. Simons , Georgia

In St. Simons, a typical home is worth $555,600 and typical rent is $1,799 a month. Compared with all of Glynn County, the typical home value is 84% higher, typical rent is 59% higher, and the share of households that own their home is 19 points higher.

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  • Typical home value

    $555,600

    84% above the county

    83% above Georgia

    • St. Simons
    • Glynn
    • Georgia

  • Typical rent

    $1,799a month

    59% above the county

    29% above Georgia

    • St. Simons
    • Glynn
    • Georgia

  • Typical household income

    $108,771a year

    56% above the county

    41% above Georgia

    • St. Simons
    • Glynn
    • Georgia

  • Households that own their home

    86%

    19 points above the county

    20 points above Georgia

    • St. Simons
    • Glynn
    • Georgia

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

St. Simons is in Glynn 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 Glynn County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets St. Simons apart

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

  1. The typical home in St. Simons is worth $555,600, 84% more than in Glynn County as a whole ($301,300).

  2. Nearby, in Dock Junction, the typical home value is $143,700: 74% less than in St. Simons ($555,600).

  3. The typical rent in St. Simons is $1,799 a month, 59% more than in Glynn County as a whole ($1,135).

  4. The typical household income in St. Simons is $108,771, 56% more than in Glynn County as a whole ($69,799).

  5. Nearby, in Brunswick, the typical rent is $951: 47% less than in St. Simons ($1,799).

  6. 86% of households in St. Simons own their home, against 67% in Glynn County.

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

The homes here

Housing in St. Simons

What homes there are in St. Simons, 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

As in Glynn County, most homes in St. Simons are detached houses (64%).

Year built

By age, homes in St. Simons look like those in Glynn County: the typical year built is 1988.

In St. Simons, 69% of homes have 3 bedrooms or more, about the same as in Glynn County.

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

$2,303 a month

Glynn County: $1,705 a month

Without a mortgage

$768 a month

Glynn County: $491 a month

Owners with a mortgage

60%

Glynn County: 57%

The typical cost for an owner with a mortgage in St. Simons is $2,303 a month, more than in Glynn County ($1,705); without one, $768.

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

Homes in St. Simons gained value more slowly than in Glynn County: 49% since 2015–2019, against 68%.

The typical rent in St. Simons rose 37% over the same time; in Glynn County, it rose 28%.

Here income did not keep up with housing: it rose 25%, while home values changed +49% and rent +37%.

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. SimonsGlynn CountyGeorgiaUnited States
Rental vacancy 34.1%10.0%6.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate2.2%2.4%3.4%
People per household 2.062.362.622.53
Drive alone 74%77%71%69%
Carpool Unreliable estimate10%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 17%9%16%15%
Other means Unreliable estimate3%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in St. Simons: 34.1% is empty and offered for rent, against 10.0% in Glynn County.

Fewer people live in each home here: 2.06 on average, against 2.36 in Glynn County.

In St. Simons, 17% of workers work from home, more than in Glynn County (9%).

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. Simons?

A typical home costs more than the typical income allows

We start with a typical home in St. Simons, worth $555,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in St. Simons, which is $108,771 a year. For that payment to be 28% of income, a household would need to earn about $188,958 a year.

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

Your numbers

Local data
$

Starts at the typical home value in St. Simons. 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 $19,446 (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

$4,409

at 7.18% · 30 years

Loan amount
$545,537
Total interest
$784,899
Paid off in
November 2056

Includes $9,383 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,538 a month

  • Tight

    $2,538 to $3,263 a month

  • Hard

    more than $3,263 a month

    Your payment · 49%

Compared with the typical household income in St. Simons ($108,771 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,409
Principal & interest$3,696
Property tax$236
Home insurance$232
FHA mortgage insurance (MIP)$246

You need at least $19,446 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. Simons and Glynn County

St. Simons is in Glynn 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. Simons's own numbers

Typical home value
$555,600
Typical monthly rent
$1,799
Typical yearly household income
$108,771
Households that own their home
86%
Effective property tax rate
0.51%

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

Numbers for all of Glynn County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,378
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
18%

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 Glynn County.

Everything about Glynn County

Buying

Buying a home in St. Simons

A typical home in St. Simons is worth $555,600: 84% above the county and 83% above Georgia. With the typical household income in St. Simons ($108,771 a year), a typical home costs 5.1 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. Simons 5.1 years
  • Glynn 4.3 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Glynn County

According to FHFA’s house price index, home prices in Glynn County rose 119% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +4.0% +2.2% +2.9%
5 years (2020–2025) +65% +58% +47%
10 years (2015–2025) +119% +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. Simons next to Glynn 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. Simons $555,600
  • Glynn $301,300
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • St. Simons $1,799
  • Glynn $1,135
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • St. Simons $108,771
  • Glynn $69,799
  • Georgia $77,353
  • United States $80,734
See the full table
St. Simons next to Glynn County and Georgia
Measure St. Simons Glynn County Georgia U.S.
Typical home value $555,600 $301,300 $303,300 $332,700
Typical monthly rent $1,799 $1,135 $1,393 $1,413
Typical yearly household income $108,771 $69,799 $77,353 $80,734
Households that own their home 86% 67% 66% 65%
Typical yearly property tax $2,827 $1,708 $2,341 $3,119
Effective property tax rate 0.51% 0.57% 0.77% 0.94%
Renters with high rent for their income 49% 47% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Glynn 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. Simons

For a typical $555,600 home in St. Simons, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Simons's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,409a month

    Above the FHA limit for Glynn County ($541,287)
    Down payment
    $19,446
    Cash to close
    $36,114
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $246

  • Conventional, 5% down $4,307a month

    Least cash to close
    Down payment
    $27,780
    Cash to close
    $44,448
    Rate
    7.18%
    Mortgage insurance
    PMI · $264

  • Conventional, 20% down, no PMI $3,479a month

    Down payment
    $111,120
    Cash to close
    $127,788
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,992a month

    Down payment
    $83,340
    Cash to close
    $100,008
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 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. Simons and for Glynn County.

Property tax

Effective rate in St. Simons

0.51%of the home’s value each year

$2,827 a year for the typical owner in St. Simons.

  • St. Simons 0.51%
  • Glynn 0.57%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Glynn County

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

Homes in the high-risk zone
18%
5,676
Of those, with NFIP insurance
91%
County Georgia U.S.
Homes in the high-risk zone 18% 2% 3.5%
Of those, with NFIP insurance 91% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in St. Simons

Typical rent in St. Simons is $1,799 a month: 59% above the county. In St. Simons, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Glynn County, by unit size. To pay the 2-bedroom one ($1,378 a month) without spending more than 30% of your income, you would need to earn $26.50 an hour working full time.

HUD fair market rent for all of Glynn 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 $991 $19.06 $39,640
1 bedroom $1,114 $21.42 $44,560
2 bedrooms $1,378 $26.50 $55,120
3 bedrooms $1,642 $31.58 $65,680
4 bedrooms $1,938 $37.27 $77,520

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. Simons

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Simons is in ZIP code 31522.

For 2 bedrooms it is $2,070: $692 more than the fair market rent for Glynn County ($1,378).

  • 31522 $2,070$2,470

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. Simons 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. Simons

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 Glynn County. The nearest ones are below; many serve by phone or online.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in St. Simons

No down payment, repair or rent-help program on our list is for St. Simons or Glynn County. The ones below are statewide in Georgia: they work in St. Simons 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. Simons

The HUD-approved agencies closest to the center of St. Simons, 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 · 48 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 · 64 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 · 91 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. Simons

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. Simons

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

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

Cities

Other cities in Glynn County

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

Everything about Glynn County Housing in Georgia

Nearby cities

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

Neighboring counties

If Glynn 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. Simons.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about St. Simons

Short answers with the numbers for St. Simons and all of Glynn 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. Simons?

The typical home value in St. Simons is $555,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Glynn County it is $301,300.

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

Typical rent in St. Simons is $1,799 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Glynn County is $1,378.

What is the FHA loan limit in St. Simons?

St. Simons uses the FHA limit for all of Glynn 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. Simons?

The typical homeowner in St. Simons pays $2,827 a year, according to the U.S. Census Bureau. That is 0.51% of the home’s value; in Glynn County, the rate is 0.57%.

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

We found no HUD-approved counseling agencies with an office in Glynn 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).