Saint Marys County, Maryland home prices
Typical home $431,391 · +2.7% in a year · property tax 0.84%
The typical home in Saint Marys County is worth $431,391, about the same as the Maryland typical home ($424,890). Values changed +2.7% in the past year and +16.3% over five years. Homeowners here pay a median 0.84% of their home's value in property tax each year ($3,624 on the typical home), versus 0.98% statewide.
Mortgage on the typical Saint Marys County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $86,278 | $345,113 | $2,322 | $0 | $518 | $2,839 | $121,700 |
| 10% down | $43,139 | $388,252 | $2,612 | $162 | $518 | $3,291 | $141,100 |
| 5% down | $21,570 | $409,821 | $2,757 | $171 | $518 | $3,445 | $147,700 |
| 3.5% down (FHA) | $15,099 | $423,577 | $2,849 | $191 | $518 | $3,558 | $152,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.84% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Maryland · part of the California metro area.
Maryland counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Worcester County | $422,876 | -0.7% | 0.73% |
| Prince Georges County | $421,250 | -1.2% | 1.12% |
| Charles County | $442,448 | -1.4% | 1.01% |
| Harford County | $414,044 | +0.9% | 0.89% |
| Kent County | $383,742 | +2.6% | 0.91% |
| Cecil County | $383,362 | +1.4% | 0.89% |
| Calvert County | $480,115 | +1.0% | 0.84% |
| Talbot County | $484,929 | -0.1% | 0.65% |
| Carroll County | $486,857 | +0.8% | 0.91% |
| Frederick County | $494,258 | -0.4% | 0.99% |
Frequently asked questions
What is the average home price in Saint Marys County, MD?
The typical home value in Saint Marys County is $431,391 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Saint Marys County?
About $121,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Saint Marys County?
The median effective rate is 0.84% of home value a year (Census ACS 2024 5-year estimates).