Homes for Sale Under $300K in St. Marys, GA
This page tracks every St. Marys listing with an asking price under $300,000, by community, with live counts and asking prices. Prices are asking prices from the MLS, not values, and the list changes with every refresh.
32 homes listed under $300,000 are for sale or pending in St. Marys, GA today across 18 communities. The median asking price is $246,200, from $115,000 to $299,000. Listings in St. Marys without that feature have a median of $507,400. Most listings right now: No Recorded Subdivision (8), Crooked River Plantation (5), Sugarmill (3). Updated October 2, 2026 from the MLS.
First-time buyers: what St. Marys costs at the entry level
18 active single-family homes, townhomes and condos at or below $300,000 — median $258,000, about $1,622/mo principal & interest at 6.95% with 5% down. Live from the MLS, refreshed nightly.
Newest homes under $300K in St. Marys
What the payment looks like
| Purchase price | P&I at 6.95%, 5% down | P&I, 20% down | Cash to close at 5% down (est.) |
|---|---|---|---|
| $150,000 | $943 | $794 | $12,000 |
| $200,000 | $1,258 | $1,059 | $16,000 |
| $250,000 | $1,572 | $1,324 | $20,000 |
| $300,000 | $1,887 | $1,589 | $24,000 |
Estimates only; taxes, insurance, HOA and mortgage insurance are on top. Closing costs assumed at 3%.
St. Marys homes under $300K by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Homes Under $300K | New build | Median list | From |
|---|---|---|---|---|
| No Recorded Subdivision | 8 | 0 | $217,450 | $149,900 |
| Crooked River Plantation | 5 | 0 | $260,000 | $200,000 |
| Sugarmill | 3 | 0 | $275,000 | $238,000 |
| Gains H Davis | 2 | 0 | $234,950 | $225,000 |
| Plantation Oaks | 1 | 0 | $289,000 | $289,000 |
| HaydenPoint | 1 | 0 | $275,000 | $275,000 |
| Bartram Place | 1 | 0 | $269,900 | $269,900 |
| Marsh Cove | 1 | 0 | $267,500 | $267,500 |
| Belle Arbor | 1 | 0 | $255,000 | $255,000 |
| Millers Trace | 1 | 0 | $255,000 | $255,000 |
| Cypress Lakes | 1 | 0 | $255,000 | $255,000 |
| Sugarmill/Creekside | 1 | 0 | $247,500 | $247,500 |
| Crooked River | 1 | 0 | $234,900 | $234,900 |
| Inlet Reach | 1 | 0 | $232,000 | $232,000 |
| Point Peter Landing | 1 | 0 | $230,900 | $230,900 |
| Davison Plantation | 1 | 0 | $214,900 | $214,900 |
| Borrell Park | 1 | 0 | $169,500 | $169,500 |
| Harbor Pines | 1 | 0 | $115,000 | $115,000 |
What under $300,000 buys and what to check
In this price band the differences between listings are usually age, size and condition rather than location alone, so read each listing’s year built, square footage and property type (a condo or manufactured home and a single-family home can sit at the same price with very different monthly costs). Budget the full monthly number, not the price: taxes, insurance, and HOA or CDD fees are all on each listing page, and our true cost of ownership calculator puts them into one figure. Insurance quotes on older roofs and older electrical can change which of two similar homes is actually cheaper.
Questions to ask about any listing in this band
How old is the roof, and will insurers write it? Is there a four-point inspection on file? What did the seller pay for insurance last year? In a condo, what are the dues, is there a special assessment or milestone inspection pending, and what do the reserves look like? Is the price a recent reduction, and how long has it been listed? A local agent who works the area will know which communities in this band have the fewest surprises at inspection.
Common questions
How many homes listed under $300,000 are for sale in St. Marys?
What do homes under $300K cost in St. Marys?
Which St. Marys community has the most homes under $300K for sale?
What is the monthly payment on a home under $300,000?
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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 under $300,000. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.