Saint Marys, OH—45885
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saint Marys, OH
As of Oct '25, the median home price in Saint Marys, OH is $199,000, with a year-over-year change of 5.6%. This indicates that home prices in Saint Marys, OH are increasing. According to Zillow, the 1-year price projection is 1.9%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $199,000 | 5.6% |
| Single Family | $199,000 | 5.3% |
| Condos | $206,000 | 4.6% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $149,000 | 5.7% |
3 Bed | $214,000 | 6.5% |
4 Bed | $261,000 | 7.0% |
| 5 Bed | $301,000 | 5.6% |
% of Housing Stock
Rental Trends — Saint Marys, OH
As of July '25, Rentcast reports the average rent in Saint Marys, OH is $810, with a year-over-year rent change of 11.6%. Per bedroom, the median rent as of July '25 in Saint Marys, OH is 1-bedrooms: $630, 2-bedrooms: $701, 3-bedrooms: $1,500. The most common rental property sizes in Saint Marys, OH are 2-bedroom and 1-bedroom, accounting for 32.2% and 27.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $650 | $810 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $610 | $630 |
| 2 Bed Rent | $750 | $701 |
| 3 Bed Rent | $1,500 | $1,500 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Saint Marys, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Saint Marys, OH is 49. 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 25.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $220,000 | 7.0% |
Listing Count | 32 | -7.0% |
| Listings as % of Homes | 0.6% | -7.0% |
Days on Market | 49 | 43.0% |
Demographics — Saint Marys, OH
As of the latest ACS Survey released in 2023, Saint Marys, OH has a population of 12,700, which has remained stable by 0.0% over the past 5 years. Saint Marys, OH is a moderately popular place for families, as children make up 22.2% of the population. The area has a poorly educated workforce, with 16.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 2.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 12,700 | 0.0% |
% Under 18 | 22.2% | -3.1% |
% Seniors | 19.0% | -2.1% |
% WFH | 2.9% | -3.3% |
% w/ College Degree | 16.2% | 7.3% |
As of the latest ACS Survey released in 2023, Saint Marys, OH is a predominantly white area, with 94.4% of the population identifying as white. The white population has shrunk by 1.8% in the last 5 years. The second most common race or ethnicity in Saint Marys, OH is black, making up 0.9% of the population. Foreign-born residents account for 0.8% of the population in Saint Marys, OH, and this percentage has decreased by 33.3% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 94.4% | -1.8% |
% Black | 0.9% | 350.0% |
% Hispanic | 0.9% | 80.0% |
% Asian | 0.5% | 25.0% |
% Foreign Born | 0.8% | -33.3% |
Mortgage and Risk — Saint Marys, OH
According to HUD data as of 2023, there were 270 mortgage originations in Saint Marys, OH, of which 78.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Saint Marys, OH. Investor activity is low, as 1.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 270 |
% Conventional Loans | 78.0% |
% Government Loans | 22.0% |
% Investor Loans | 1.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Saint Marys, OH
Saint Marys, OH lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 12 |
Total Units Section 8 | 12 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 95.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $90 | $610 | $700 |
| 2 Bedroom | $140 | $750 | $890 |
| 3 Bedroom | -$250 | $1,500 | $1,250 |
| 4 Bedroom | N/A | N/A | $1,490 |
Affordability — Saint Marys, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.3 |
| Median Home Price | $199,000 |
| Median Household Income | $75,100 |