Homes for Sale $300K to $500K in St. Marys, GA

This page tracks every St. Marys listing with an asking price between $300,000 and $500,000, by community, with live counts and asking prices. Prices are asking prices from the MLS, not values, and the list changes with every refresh.

38 homes listed between $300,000 and $500,000 are for sale or pending in St. Marys, GA today across 13 communities. The median asking price is $398,250, from $300,000 to $499,900. Listings in St. Marys without that feature have a median of $509,900. Most listings right now: Osprey Cove (16), Winding River (7), Riverview (2). Updated September 11, 2026 from the MLS.

St. Marys homes $300K–$500K by community

Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.

Community	Homes $300K–$500K	New build	Median list	From
Osprey Cove	16	1	$403,425	$330,000
Winding River	7	0	$385,000	$310,000
	2	0	$490,450	$484,900
	2	0	$399,700	$319,500
	2	0	$393,400	$356,900
HaydenPoint	2	0	$323,700	$300,000
Devonwood Park	1	0	$499,000	$499,000
Shadowlawn Estates	1	0	$460,000	$460,000
Sugarmill/Creekside	1	0	$405,000	$405,000
Cypress Lakes	1	0	$373,000	$373,000
Elliotts Plantation	1	0	$365,000	$365,000
Plantation Oaks	1	0	$349,900	$349,900
Moody Lake Estates	1	0	$319,900	$319,900

Where this band sits in the market

The answer block above shows how the median of this band compares with the rest of the city’s listings, which tells you whether $300,000–$500,000 is the middle of the market here or the top of it. Within the band, compare on price per square foot and year built: newer subdivisions usually price higher per foot with lower expected maintenance, older ones the reverse. Each community page carries the HOA and CDD picture, the year-built range and the sales history, so two homes at the same price can be told apart in a few minutes.

Questions to ask about any listing in this band

What are the total monthly carrying costs (taxes, insurance, HOA, CDD) and how do they compare with a similar home two communities over? What is the age of the roof, HVAC and water heater? Is the community’s HOA financially healthy (reserves, no pending assessment)? How many days has the listing been on the market and has the price moved? A local agent who works the area will know which communities in this band are trading at asking and which are negotiating.

Common questions

How many homes listed between $300,000 and $500,000 are for sale in St. Marys?

As of September 11, 2026, 38 St. Marys, GA listings whose MLS record reports an asking price between $300,000 and $500,000 are active or pending, across 13 communities. The count updates with every MLS refresh.

What do homes $300K–$500K cost in St. Marys?

The median asking price today is $398,250, with listings from $300,000 to $499,900. St. Marys listings without that feature have a median of $509,900.

Which St. Marys community has the most homes $300K–$500K for sale?

Osprey Cove has the most right now (16), followed by Winding River (7), Riverview (2), No Recorded Subdivision (2).

What is the monthly payment on a $400,000 home?

At today’s rates with 20% down, principal and interest on a $400,000 purchase runs roughly $2,000–$2,300 a month before taxes, insurance and any HOA; each listing page shows the property tax and fees for that home, and the true-cost calculator turns them into one monthly figure.

Keep exploring St. Marys

Live data: Scout (GAMLS), refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in St. Marys, GA whose MLS record reports an asking price between $300,000 and $500,000. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.

Listing data provided by ScoutMLS® (Golden Isles Association of REALTORS®). The data is deemed reliable but is not guaranteed to be accurate by ScoutMLS.