Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$431,391+2.7% YoY · prices are rising
Market right nowBalanced, leaning buyersMore homes for sale than last year, 21% have cut their price
Income needed to buy, per year$93,517About 0.8× the local median income ($116,969): affordable for a typical household
Days on market40 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+1.6%Zillow expects prices to rise slightly
The typical home in Saint Marys County, MD is worth $431,391, up 2.7% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $456,328, so the area is 5.5% undervalued. It is a balanced market, leaning toward buyers: homes take about 40 days to sell, listings are up 20% from a year ago, 21% of listings have had a price cut. Zillow expects prices to rise about 1.6% over the next year. A household needs about $93,517 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $116,969. Typical rent is $2,029 a month, or $2,476 for a house. In the latest IRS figures, 137 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$431,391
Change in 1 year
+2.7%
Overvalued %
−5.5%
Show 7 more
Fair home value
$456,328
Change in 5 years
+16.3%
Zillow forecast, next 12 months
+1.6%
Home value to income
3.7×
Monthly mortgage payment (20% down)
$2,338
Income needed to afford it
$93,517
Property tax rate
0.84%
Rent and investing
Typical rent
$2,029
Typical rent for houses
$2,476
Price-to-rent ratio
17.7×
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HUD Fair Market Rent, 2 bedrooms
$1,787
Gross rental yield
5.64%
Cap rate (estimate)
3.67%
Market activity
Listings vs a year ago
+19.7%
Days on market
40
Listings with a price cut
21.4%
Show 3 more
Homes for sale
280
Pending sales per 100 listings
47
Asking price per sq ft
$217
People and jobs
Median household income
$116,969
Population change (1 year)
+0.4%
Unemployment rate
3.6%
Show 4 more
Population
116,692
Income adjusted for cost of living
$116,041
Net moves in (IRS)
+137
Cost of living (US = 100)
100.8
Schools, risk and environment
School rating (1 to 10)
7.5
FEMA hazard risk score (0 to 100)
42.6
Flood risk score
63.0
Show 3 more
Wildfire risk score
59.0
Walkability (1 to 20)
6.2
Road, rail and air noise
55 dB
Questions people ask
Is Saint Marys County, MD overvalued?
Home prices in Saint Marys County, MD are slightly below what local incomes have historically supported: fair value is about $456,328, so the area is 5.5% undervalued.
Is Saint Marys County, MD a buyer's or seller's market?
Saint Marys County, MD is a balanced market, leaning toward buyers: homes take about 40 days to sell, listings are up 20% from a year ago, 21% of listings have had a price cut.
Are home prices going down in Saint Marys County, MD?
Home values in Saint Marys County, MD are up 2.7% over the last year. Zillow's forecast for the next 12 months is +1.6%.
How much do you need to earn to buy a home in Saint Marys County, MD?
A household needs about $93,517 a year to afford the typical home in Saint Marys County, MD at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $116,969.