Cost of Living in St. Marys, GA
Cost of Living in St. Marys, GA has an overall index of 96, 4% below the U.S. baseline of 100. The typical home value is $308,382; typical monthly rent is $1,171; and median household income is $67,271.
Cost index: committed city housing/rent inputs and BEA 2024 state nonmetro price parities. Home value: Zillow ZHVI market signal as of 2026-02. Rent: Census ACS 2023 fallback place estimate. A place-level signal, not a personal affordability decision or financial recommendation.
Rent and home prices are comparatively balanced with local income. This describes the local market, not your household.
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Frequently asked questions about St. Marys
Living in St. Marys
What is the cost of living like in St. Marys, GA?+
Living costs in St. Marys land close to the national average, with a Cost Index of 96 (where 100 = the US baseline). Housing is the largest variable: the median home value here is $308,382, and typical monthly rents are $1,171. Groceries and utilities are slightly below what you would find in most US cities.
How does St. Marys fit a household housing budget?+
Start with housing. Typical monthly rent is $1,171, while local median household income is $67,271. That implies a rent-burden proxy of about 21% before utilities and other costs. Use that as a planning signal for whether the place looks manageable under your own household assumptions.
How much are taxes in St. Marys, GA?+
Georgia uses an approximate state-income-tax planning model; 5.49% is top marginal-rate context from the tax snapshot. Applying the 0.92% state-level effective owner-occupied proxy to a home worth $308,382 gives a planning estimate near $2,837 per year; it is not a city, county, parcel, or individual tax bill. State plus average local sales-tax context is around 7.38%.
How much does it cost to rent in St. Marys, GA?+
The typical monthly rent in St. Marys is around $1,171. That's roughly 13% lower than the $1,348 national median. For comparison, the median home value here is $308,382, so buyers should also factor in mortgage payments, property taxes, and insurance.
How much does a house cost in St. Marys, GA?+
The typical home value in St. Marys is $308,382. With 20% down and the committed 6.11% national 30-year fixed benchmark as of 2026-03-12, principal and interest are roughly $1,497/month before property tax and insurance. This is a planning estimate, not a local lender quote. About 55% of residents here own their homes.
Are groceries and utilities expensive in St. Marys?+
Grocery prices in St. Marys are about average compared to the rest of the US (index: 96, where 100 is the national average). Utility bills (electricity, gas, water) are below average (index: 88). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.
What is St. Marys, GA like to live in?+
St. Marys is a small town with a population of about 18,805. The median age of residents is 33.6, which is close to the national median. The local poverty rate is 20.43%, above the national average of 12.4%.