Living in St. Marys, Georgia: The 2026 Data Guide
As of 2026-10-10, the median home sold in St. Marys, Georgia over the last 12 months went for $375,000 (173 closings across 41 communities in Momentum’s MLS record), about $185 per square foot for a median 1,956-sq-ft home built around 2003. Homes currently listed have been on the market a median of 84 days, and with 109 active listings against that sales pace the city is carrying roughly 7.6 months of supply. Sellers have been getting about 98% of their original asking price. That median is 6% below the median across Momentum’s Florida and Georgia coverage.
St. Marys right now — October 2026
Live pages for your move: 87 homes for sale in St. Marys · New construction · Homes by ZIP (1 ZIPs) · Price reductions · What your budget buys in Camden County · Best neighborhoods.
MLS closed sales and live inventory, Momentum Research; refreshed nightly. Updated October 10, 2026.
What your budget buys in St. Marys
Three price points from 101 recent St. Marys closings in our record, each showing what actually closed within 10% of that price:
- Around $268,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,524 sq ft, built around 1988 (20 sales).
- Around $375,000: the typical sale in this band was a 4-bed, 2.5-bath home of about 2,186 sq ft, built around 2003 (16 sales).
- Around $449,981: the typical sale in this band was a 3-bed, 2-bath home of about 1,962 sq ft, built around 2006 (12 sales).
The real monthly cost of owning in St. Marys
Take the median $375,000 home with 20% down at today’s 7.40% 30-year rate: principal and interest run about $2,077/month. Georgia taxes 40% of fair market value: at Camden County’s typical unincorporated millage of 28.05 mills, the median home’s bill is roughly $4,152/year ($346/month) after the standard homestead exemption — county and school exemptions vary and can lower it; inside a city, add the city millage. Georgia homeowners insurance runs well below Florida’s coastal premiums for most of the state; get a quote on the specific address, since roof age and wind exposure still move it. 47% of current St. Marys listings carry an HOA, with a median of $149/month where one applies. All in, budget on the order of $2,423/month to own the median St. Marys home.
For the full worksheet — the 40% assessment, the exemptions Camden County offers, and city versus unincorporated millage — see the Camden County property tax guide.
Where people are buying: St. Marys’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| Sugarmill | 20 | $286,450 | 57 |
| Winding River | 20 | $375,000 | 84 |
| Cumberland Harbour | 16 | $616,700 | 148 |
| Crooked River Plantation | 10 | $256,500 | 52 |
| Haydenpoint | 8 | $321,090 | 185 |
| Shadowlawn | 7 | $265,500 | 53 |
| Bartram Place | 6 | $283,700 | 69 |
| Elliotts Plantation | 6 | $395,000 | 60 |
St. Marys by ZIP code
Sales and medians by ZIP over the same 12 months: 31558 (100 sales, median $329,950).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 99% were single-family homes, and 1% condos. New construction accounted for 19% of closings, led by Cumberland Harbour, Haydenpoint, Old Mill Bluff. The housing stock skews newer: 37% of homes sold were built in 2015 or later and 4% before 1980.
Getting around from St. Marys
Measured from the center of St. Marys’s recent sales: Jacksonville International Airport (JAX) is about 20 miles; Brunswick is about 27 miles; Downtown Jacksonville is about 30 miles; St. Augustine is about 62 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
Confirm school zoning for any specific address directly with the district. Property tax figures on this page use Camden County’s typical millage of 28.05; municipal and special-district millage varies inside the county. Get an insurance quote for the specific address before you go under contract.
St. Marys: the case for and against
What works in St. Marys’s favor
- about 7.6 months of supply gives buyers room to negotiate
- property tax is levied on 40% of value, so the effective rate is lower than the millage suggests, and most counties add homestead exemptions on top
What to plan for
- Georgia has a flat state income tax (about 5%, scheduled to keep stepping down), which Florida does not
Your St. Marys relocation toolkit
- Homes for sale in St. Marys right now
- Best neighborhoods in St. Marys
- New construction in St. Marys
- Search every St. Marys community
Common questions about moving to St. Marys
How much does a house cost in St. Marys, GA?
What does it cost per month to own a home in St. Marys?
What are property taxes like in St. Marys?
Is St. Marys a buyer's or seller's market right now?
Is there a lot of new construction in St. Marys?
Does Georgia have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in St. Marys communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Camden County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.