New Construction Homes in St. Marys, GA
St. Marys is in Camden County, Georgia (ZIP codes 31558). · Homes for sale in St. Marys · Camden County
6 new-construction homes are listed for sale in St. Marys right now, across 4 communities. Most list between $425K to $800K; the median new build is $732,450 ($302/sq ft, typically 2,428 sq ft, 3 bedrooms). Everything on this page is from Momentum’s MLS record as of 2026-10-09 and refreshes as homes list and sell.
Newest new-construction listings in St. Marys
The most recently listed new homes in St. Marys, with photos. Each card opens the full listing with every photo, the community’s data, and a tour request.
New-home communities in St. Marys
Every St. Marys community with new construction actively listed, the builder where the listing identifies one, how many homes are available, and the lowest current list price. Community names link to that community’s guide with its sales history and live inventory.
| Community | Builder | New homes | From |
|---|---|---|---|
| Cumberland Harbour | — | 3 | $669,444 |
| Winding River | — | 1 | $424,900 |
| Osprey Cove | — | 1 | $725,000 |
| Victoria Landing | — | 1 | $799,000 |
New construction in St. Marys by price
- $400K – $500K: 1 home
- $500K – $750K: 3 homes
- $750K – $1M: 2 homes
What a new build in St. Marys costs to own
Take the median $732,450 new home with 20% down at today’s 7.40% 30-year rate: principal and interest run about $4,057/month. Georgia taxes 40% of value: at Camden County’s typical unincorporated millage of 28.05, property tax runs near $8,163/year after the standard homestead exemption; inside city limits add the city millage, and the first-year bill on a new build is usually on the land alone with the full bill the year after. Where an HOA is listed the median is $169/month. All in, plan on roughly $4,906/month plus insurance, which runs well below Florida’s coastal premiums for most of Georgia — get a quote on the address; a new roof and current code usually earn the best rate.
How to buy new construction the smart way
The agent in the model home works for the builder. Bringing your own Momentum agent costs you nothing — the builder pays the commission either way — and gets you representation on the contract (builder contracts are one-sided by design), the upgrade pricing, the lender comparison (the builder’s preferred lender incentive is real but not always the best deal), an independent inspection at pre-drywall and at completion, and the walkthrough. Register your agent on your first visit; most builders will not honor representation after that.
Builders rarely cut list price on a to-be-built home, but completed inventory homes at the end of a quarter are a different negotiation: closing-cost credits, rate buydowns, and included upgrades are common, and the cards above show which homes have been sitting.
Explore St. Marys
- Moving to St. Marys: the data guide
- Best neighborhoods in St. Marys
- All new-construction builders in Georgia
- Search every St. Marys community
Common questions
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<a href="https://movewithmomentum.com/new-construction-homes-st-marys-ga">New Homes in St. Marys, GA: New Construction Builders & Prices from $425K (October 2026) — Momentum Realty</a>Counts, prices and photos are from Momentum Realty’s MLS record of active listings in St. Marys communities as of 2026-10-09; a home is counted as new construction when the listing shows it as built this year or later or when a production builder is the listing office. Builder names come from listing data. Estimates are not guarantees. Equal Housing Opportunity.