Saint Marys, GA—31558
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saint Marys, GA
As of Oct '25, the median home price in Saint Marys, GA is $310,000, with a year-over-year change of 1.1%. This indicates that home prices in Saint Marys, GA are increasing. According to Zillow, the 1-year price projection is 2.9%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $310,000 | 1.1% |
| Single Family | $311,000 | 1.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $218,000 | 4.8% |
3 Bed | $280,000 | 0.7% |
4 Bed | $380,000 | 1.3% |
| 5 Bed | $398,000 | 0.0% |
% of Housing Stock
Rental Trends — Saint Marys, GA
As of July '25, Rentcast reports the average rent in Saint Marys, GA is $1,840, with a year-over-year rent change of 7.6%. Per bedroom, the median rent as of July '25 in Saint Marys, GA is 1-bedrooms: $1,160, 2-bedrooms: $1,400, 3-bedrooms: $1,890, 4-bedrooms: $2,450. The most common rental property sizes in Saint Marys, GA are 2-bedroom and 3-bedroom, accounting for 42.2% and 32.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,800 | $1,840 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,090 | $1,160 |
| 2 Bed Rent | $1,200 | $1,400 |
| 3 Bed Rent | $1,800 | $1,890 |
| 4 Bed Rent | $2,350 | $2,450 |
% of Rental Stock
Property Listings — Saint Marys, GA
As of Oct '25, Realtor.com reports that the median days on market for a home in Saint Marys, GA is 80. This is a increase of 43.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 23.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $394,000 | 0.0% |
Listing Count | 194 | 37.0% |
| Listings as % of Homes | 1.2% | 37.0% |
Days on Market | 80 | 43.0% |
Demographics — Saint Marys, GA
As of the latest ACS Survey released in 2023, Saint Marys, GA has a population of 22,500, which has increased by 5.6% over the past 5 years. Saint Marys, GA is a popular place for families, as children make up 25.9% of the population. The area has a poorly educated workforce, with 24.9% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 13.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 22,500 | 5.6% |
% Under 18 | 25.9% | 7.0% |
% Seniors | 15.5% | 17.4% |
% WFH | 13.1% | 495.5% |
% w/ College Degree | 24.9% | -10.8% |
As of the latest ACS Survey released in 2023, Saint Marys, GA is a predominantly white area, with 70.6% of the population identifying as white. The white population has shrunk by 3.9% in the last 5 years. The second most common race or ethnicity in Saint Marys, GA is black, making up 14.8% of the population. Foreign-born residents account for 2.6% of the population in Saint Marys, GA, and this percentage has remained stable as of the ACS Survey 5 years prior, suggesting immigration has remained steady.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 70.6% | -3.9% |
% Black | 14.8% | 13.0% |
% Hispanic | 7.6% | 7.0% |
% Asian | 1.6% | -20.0% |
% Foreign Born | 2.6% | 0.0% |
Mortgage and Risk — Saint Marys, GA
According to HUD data as of 2023, there were 692 mortgage originations in Saint Marys, GA, of which 48.0% of loans were conventional mortgages. The average loan-to-value was 75.0%, with 48.0% above 90% LTV (very high). This implies large mortgage risk in Saint Marys, GA. Investor activity is low, as 2.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 692 |
% Conventional Loans | 48.0% |
% Government Loans | 52.0% |
% Investor Loans | 2.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Saint Marys, GA
Saint Marys, GA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 307 |
Total Units Section 8 | 274 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 80.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$30 | $1,090 | $1,060 |
| 2 Bedroom | -$30 | $1,200 | $1,170 |
| 3 Bedroom | -$160 | $1,800 | $1,640 |
| 4 Bedroom | -$390 | $2,350 | $1,960 |
Affordability — Saint Marys, GA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.2 |
| Median Home Price | $310,000 |
| Median Household Income | $67,800 |