St. Marys, GA home prices
Typical home $305,366 · +0.2% in a year · income needed $86,600
The St. Marys, GA metro area ranks 310 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.2% in a year and +31.9% over five years. With 20% down at 7.11%, the typical home costs about $2,020 a month including 0.88% property tax (Camden County rate).
Mortgage on the typical St. Marys home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $61,073 | $244,292 | $1,643 | $0 | $377 | $2,020 | $86,600 |
| 10% down | $30,537 | $274,829 | $1,849 | $115 | $377 | $2,340 | $100,300 |
| 5% down | $15,268 | $290,097 | $1,952 | $121 | $377 | $2,449 | $105,000 |
| 3.5% down (FHA) | $10,688 | $299,835 | $2,017 | $135 | $377 | $2,529 | $108,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.88% 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.
Counties in the St. Marys area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Camden County, GA | $305,322 | +0.2% | 0.88% |
What can you afford in Georgia on your salary? · Georgia home prices · Salaries in Georgia
Frequently asked questions
How much is a house in St. Marys?
The typical home in the St. Marys, GA metro area is worth $305,366 (Zillow, September 2026).
What salary do you need to buy a house in St. Marys?
About $86,600 a year for the typical home with 20% down at 7.11%.