In St. Marys, a typical home is worth $148,500 and typical rent is $848 a month. Compared with all of Auglaize County, the typical home value is 22% lower.
Typical home value from Zillow, September 2021 to September 2026: from $159,043 to $208,549.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
St. Marys is in Auglaize 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 Auglaize County. See the county
What this place has that others do not, from public data, most unusual first.
1
St. Marys has the 2nd smallest share of rent-burdened renters of the 253 cities in Ohio with more than 5,000 people (26%).
2
Nearby, in Lima, the typical home value is $107,200: 28% less than in St. Marys ($148,500).
3
The typical home in St. Marys is worth $148,500,22% less than in Auglaize County as a whole ($189,800).
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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
St. Marys
Auglaize County
Ohio
United States
Kind of home: St. Marys and its comparisons
Measure
St. Marys
Auglaize County
Ohio
United States
Detached house
81%
83%
69%
61%
Attached house
Unreliable estimate
2%
5%
6%
Building of 2 to 4
7%
6%
8%
8%
Apartments (5 or more)
Unreliable estimate
5%
15%
19%
Mobile home
Unreliable estimate
3%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Auglaize County, most homes in St. Marys are detached houses (81%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
St. Marys
Auglaize County
Ohio
United States
Year built: St. Marys and its comparisons
Measure
St. Marys
Auglaize County
Ohio
United States
Before 1960
60%
44%
38%
26%
1960–1979
20%
23%
26%
24%
1980–1999
9%
20%
20%
25%
2000–2009
6%
9%
10%
14%
2010 or later
Unreliable estimate
5%
7%
11%
Homes in St. Marys are older: the typical year built is 1952; in Auglaize County, 1970.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K17%
$100K–$200K54%
$200K–$300K21%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: St. Marys and its comparisons
Measure
St. Marys
Under $100K
17%
$100K–$200K
54%
$200K–$300K
21%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99960%
$1,000–$1,49926%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: St. Marys and its comparisons
Measure
St. Marys
Under $500
Unreliable estimate
$500–$999
60%
$1,000–$1,499
26%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,208 a month
Auglaize County: $1,301 a month
Without a mortgage
$480 a month
Auglaize County: $503 a month
Owners with a mortgage
57%
Auglaize County: 55%
In St. Marys, 57% of owners have a mortgage, and their typical cost is $1,208 a month, against $1,301 in Auglaize County. Without one it drops to $480.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
St. Marys+26%
Auglaize County+29%
Ohio+47%
United States+53%
Typical rent
St. Marys+12%
Auglaize County+19%
Ohio+28%
United States+33%
Typical household income
St. Marys+41%
Auglaize County+23%
Ohio+26%
United States+29%
Change since 2015–2019: St. Marys and its comparisons
Measure
St. Marys
Auglaize County
Ohio
United States
Typical home value
+26%
+29%
+47%
+53%
Typical rent
+12%
+19%
+28%
+33%
Typical household income
+41%
+23%
+26%
+29%
Much as in Auglaize County, the typical home value in St. Marys rose 26% since 2015–2019.
Since 2015–2019, the typical rent in St. Marys rose 12%, less than in Auglaize County (19%).
The typical household income in St. Marys rose 41%: more than home values (+26%) and rent (+12%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: St. Marys and its comparisons
Measure
St. Marys
Auglaize County
Ohio
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
1.5%
3.4%
People per household
2.41
2.41
2.37
2.53
Drive alone
83%
84%
75%
69%
Carpool
Unreliable estimate
6%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
6%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
A household in St. Marys has 2.41 people on average, about the same as in Auglaize County (2.41).
In St. Marys, 83% of workers drive alone to work; in Auglaize County, 84%.
Do the math
What would you pay each month for a home in St. Marys?
A typical home is within reach of the typical income
We start with a typical home in St. Marys, worth $148,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 19% of the typical household income in St. Marys, which is $79,516 a year.
The calculator's FHA and conventional loan limits are those of all of Auglaize County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in St. Marys. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $5,198 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,244
at 7.18% · 30 years
Loan amount
$145,810
Total interest
$209,786
Paid off in
November 2056
Includes $2,508 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,855 a month
Your payment · 19%
Tight
$1,855 to $2,385 a month
Hard
more than $2,385 a month
Compared with the typical household income in St. Marys ($79,516 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$988
Property tax
$129
Home insurance
$62
FHA mortgage insurance (MIP)
$66
You need at least $5,198 for the down payment, plus closing costs.
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.
Total monthly payment $1,244; principal and interest $988.
The city and its county
St. Marys and Auglaize County
St. Marys is in Auglaize County, Ohio. 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
Map of Auglaize County, Ohio, with St. Marys marked. Around it, the neighboring counties.
St. Marys
Auglaize County
Other cities with a page
St. Marys's own numbers
Typical home value
$148,500
Typical monthly rent
$848
Typical yearly household income
$79,516
Households that own their home
79%
Effective property tax rate
1.04%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Auglaize County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,016
Price change over 5 years (FHFA)
+51%
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 Auglaize County.
A typical home in St. Marys is worth $148,500: 22% below the county and 31% below Ohio. With the typical household income in St. Marys ($79,516 a year), a typical home costs 1.9 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. Marys1.9 years
Auglaize2.4 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Auglaize County
According to FHFA’s house price index, home prices in Auglaize County rose 91% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Auglaize County.
Yearly change in FHFA’s price index in Auglaize County, 2016 to 2025
2016: +3.8% +3.8% 2016
2017: +6.4% +6.4% 2017
2018: +6.4% +6.4% 2018
2019: +3.5% +3.5% 2019
2020: +4.2% +4.2% 2020
2021: +8.8% +8.8% 2021
2022: +11.5% +11.5% 2022
2023: +9.3% +9.3% 2023
2024: +10.2% +10.2% 2024
2025: +3.5% +3.5% 2025
Change in FHFA’s price index in Auglaize County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+3.5%
+4.8%
+2.9%
5 years (2020–2025)
+51%
+53%
+47%
10 years (2015–2025)
+91%
+93%
+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 Auglaize County, Ohio 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$148,500
Auglaize$189,800
Ohio$214,800
United States$332,700
Typical monthly rent
St. Marys$848
Auglaize$868
Ohio$1,034
United States$1,413
Typical yearly household income
St. Marys$79,516
Auglaize$78,660
Ohio$71,389
United States$80,734
See the full table
St. Marys next to Auglaize County and Ohio
Measure
St. Marys
Auglaize County
Ohio
U.S.
Typical home value
$148,500 ▼22% below the county
$189,800
$214,800
$332,700
Typical monthly rent
$848 ▼2% below the county
$868
$1,034
$1,413
Typical yearly household income
$79,516
$78,660
$71,389
$80,734
Households that own their home
79% ▲1 points above the county
78%
67%
65%
Typical yearly property tax
$1,540 ▼16% below the county
$1,828
$2,822
$3,119
Effective property tax rate
1.04% ▲0.08 points above the county
0.96%
1.31%
0.94%
Renters with high rent for their income
26% ▼6 points below the county
32%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Auglaize 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 $148,500 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$1,244a month
Least cash to close
Down payment
$5,198
Cash to close
$9,653
Rate
7.18%
Mortgage insurance
FHA MIP · $66
Conventional, 5% down$1,217a month
Down payment
$7,425
Cash to close
$11,880
Rate
7.18%
Mortgage insurance
PMI · $71
Conventional, 20% down, no PMI$995a month
Down payment
$29,700
Cash to close
$34,155
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,133a month
Down payment
$22,275
Cash to close
$26,730
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in St. Marys
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,244
$5,198
$145,810
7.18%
FHA MIP · $66
$9,653
580
Conventional, 5% down
$1,217
$7,425
$141,075
7.18%
PMI · $71
$11,880
620*
Conventional, 20% down, no PMI
$995
$29,700
$118,800
7.18%
None
$34,155
620*
ITIN, 15% down (example)
$1,133
$22,275
$126,225
8.18%
None
$26,730
Set by the lender
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.
Typical rent in St. Marys is $848 a month: 2% below the county. In St. Marys, 26% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Auglaize County, by unit size. To pay the 2-bedroom one ($1,016 a month) without spending more than 30% of your income, you would need to earn $19.54 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Auglaize County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$772
$14.85
$30,880
1 bedroom
$777
$14.94
$31,080
2 bedrooms
$1,016
$19.54
$40,640
3 bedrooms
$1,407
$27.06
$56,280
4 bedrooms
$1,603
$30.83
$64,120
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 45885.
For 2 bedrooms it is $1,000: $16 less than the fair market rent for Auglaize County ($1,016).
Fair market rent by ZIP code and size in St. Marys, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
45885
$760
$770
$1,000
$1,390
$1,580
ZIP code2 bd3 bd
45885 $1,000$1,390
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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Auglaize County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for St. Marys or Auglaize County. The ones below are statewide in Ohio: they work in St. Marys the same as in the rest of the state.
Ohio state agency help of 2.5% or 5% of the price for the down payment, closing costs or other costs before closing, forgiven after seven years; if you sell sooner, you repay all of it.Offered by Ohio Housing Finance Agency (OHFA).
Ohio state agency certificate that turns part of your mortgage interest into a credit on your federal tax return, up to $2,000 a year: 40% with an OHFA mortgage (MTC Plus) or 15% to 20% with another mortgage (MTC Basic).Offered by Ohio Housing Finance Agency (OHFA).
No legal help resource on our list is for St. Marys or Auglaize County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for St. Marys and all of Auglaize 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 $148,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Auglaize County it is $189,800.
How much does it cost to rent in St. Marys?
Typical rent in St. Marys is $848 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Auglaize County is $1,016.
What is the FHA loan limit in St. Marys?
St. Marys uses the FHA limit for all of Auglaize 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 $1,540 a year, according to the U.S. Census Bureau. That is 1.04% of the home’s value; in Auglaize County, the rate is 0.96%.
Where can I find free help to buy or rent in St. Marys?
We found no HUD-approved counseling agencies with an office in Auglaize County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
