Cost of Living in St. Marys, GA

With a cost of living index of 90, St. Marys, GA is slightly more affordable than average. Living here is 10% cheaper than the national average and 8% above the Georgia state average of 82. St. Marys is a smaller community of 18,805 residents, where everyday costs can differ substantially from nearby larger cities.

Housing costs are the biggest factor in St. Marys's cost of living. The median monthly rent is $1,171 (11% below the US median of $1,319), and the median home value sits at $259,300 (15% below the national median of $304,900). At current prices, the median home costs roughly 3.9x the median household income — a moderately affordable ratio by today's standards.

The median household income in St. Marys is $67,271, which is 10% lower than the national median of $75,149. Residents spend roughly 21% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum. Lower incomes here are balanced by the significantly lower cost of living, stretching each dollar further.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.