Moving to St. Simons Island, Georgia: The 2026 Data Guide
St. Simons Island is in Glynn County, Georgia (ZIP codes 31522). · Homes for sale in St. Simons Island · Glynn County
As of 2026-09-06, the median home sold in St. Simons Island, Georgia over the last 12 months went for $722,000 (564 closings across 181 communities in Momentum’s MLS record), about $340 per square foot for a median 2,169-sq-ft home built around 1997. Homes currently listed have been on the market a median of 83 days, and with 300 active listings against that sales pace the city is carrying roughly 6.4 months of supply. Sellers have been getting about 96% of their original asking price. That median is 79% above the median across Momentum’s Florida and Georgia coverage.
What your budget buys in St. Simons Island
Three price points from 512 recent St. Simons Island closings in our record, each showing what actually closed within 10% of that price:
- Around $475,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,440 sq ft, built around 1986 (50 sales).
- Around $722,000: the typical sale in this band was a 3-bed, 2.5-bath home of about 2,175 sq ft, built around 1998 (89 sales).
- Around $1,230,000: the typical sale in this band was a 4-bed, 3.5-bath home of about 2,460 sq ft, built around 1998 (38 sales).
The real monthly cost of owning in St. Simons Island
Take the median $722,000 home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $3,731/month. Georgia taxes 40% of fair market value: at Glynn County’s typical unincorporated millage of 24.07 mills, the median home’s bill is roughly $6,904/year ($575/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. 68% of current St. Simons Island listings carry an HOA, with a median of $384/month where one applies. All in, budget on the order of $4,691/month to own the median St. Simons Island home including a typical HOA.
For the full worksheet — the 40% assessment, the exemptions Glynn County offers, and city versus unincorporated millage — see the Glynn County property tax guide.
Where people are buying: St. Simons Island’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 |
|---|---|---|---|
| Glynn Haven Estates | 28 | $467,445 | 64 |
| St. Simons Island Club | 23 | $1,623,650 | 107 |
| St. Simons Heights | 18 | $771,500 | 63 |
| Sea Palms | 16 | $911,000 | 72 |
| Hampton Plantation | 15 | $955,000 | 145 |
| Barnes Plantations | 14 | $382,500 | 73 |
| Fifty Oaks | 14 | $711,750 | 104 |
| Ocean Walk Condos | 14 | $452,000 | 55 |
St. Simons Island by ZIP code
Sales and medians by ZIP over the same 12 months: 31522 (511 sales, median $700,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 62% were single-family homes, 4% townhomes or villas, and 34% condos. New construction accounted for 8% of closings, led by Fifty Oaks, Frederica Golf Club, Frederica Marsh Cottages. The housing stock skews mixed: 24% of homes sold were built in 2015 or later and 21% before 1980.
Getting around from St. Simons Island
Measured from the center of St. Simons Island’s recent sales: Jacksonville International Airport (JAX) is about 50 miles; Downtown Jacksonville is about 60 miles; Savannah is about 65 miles; Savannah/Hilton Head International Airport (SAV) is about 67 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 Glynn County’s typical millage of 24.07; municipal and special-district millage varies inside the county. Get an insurance quote for the specific address before you go under contract.
St. Simons Island: the case for and against
What works in St. Simons Island’s favor
- 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
- prices run 79% above the statewide median in our coverage
- 68% of listings carry an HOA (median $384/month)
- Georgia has a flat state income tax (about 5%, scheduled to keep stepping down), which Florida does not
Common questions about moving to St. Simons Island
How much does a house cost in St. Simons Island, GA?
What does it cost per month to own a home in St. Simons Island?
What are property taxes like in St. Simons Island?
Is St. Simons Island a buyer's or seller's market right now?
Is there a lot of new construction in St. Simons Island?
Does Georgia have a state income tax?
<a href="https://movewithmomentum.com/moving-to-st-simons-island-ga">Moving to St. Simons Island, GA (2026): Home Prices, Cost to Own, Neighborhoods & Taxes — Momentum Realty</a>Sales figures are Momentum Realty’s MLS record of closings in St. Simons Island 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 Glynn County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.