St. Mary's County, Maryland Housing Market Prices
St. Mary's County Home Prices and Rent at a Glance
The median home price (often called the average home price), rent costs, affordability metrics, and housing stock characteristics for this housing market.
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Median home price 31% above the Maryland median$350,857
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Median rent 2% above the Maryland median More expensive than 70% of counties in Maryland$1,747
Median Home Price Map: Nearby Counties
Housing Market Overview
| Metric | St. Mary's County | Maryland Avg | US Average |
|---|---|---|---|
| Median Home Price | $350,857 | $267,101 | $248,835 |
| Price Trend (Annual %) | 4.0% | 3.4% | 7.5% |
| Median Gross Rent | $1,747 | $1,704 | $1,407 |
| Rent Trend (Annual %) | 3.9% | 3.8% | 5.1% |
| Household Income Trend (Annual %) | — | — | — |
The median home price in St. Mary's County is about 31% higher than in Maryland. Rent is about 2% higher than the Maryland average.
Median Home and Rent Price Trends
Median Home Prices, 2015-2024
Median Rent Prices, 2015-2024
Both home prices and rent are rising in St. Mary's County, up about 4.0% and 3.9% a year respectively. Home prices are changing faster.
Median rent in St. Mary's County rose about 38.3% between 2015 and 2024, from $1,263 to $1,747. Over the same span, rent in Maryland rose about 38.7%.
Affordability
On average, housing unit costs 2.9 yearly household incomes in St. Mary's County.
Buying the median-priced home in St. Mary's County costs roughly 16.7 years of rent at the median monthly rate. That is a moderate price-to-rent ratio, where buying and renting are often similarly cost-effective in St. Mary's County. The price-to-rent ratio in Maryland is about 13.1.
| Metric | St. Mary's County | Maryland Avg | US Average |
|---|---|---|---|
| Median Home Price | $350,857 | $267,101 | $248,835 |
| Median Household Income | $119,889 | $103,916 | $80,455 |
| Price-to-Income Ratio | 2.9 | 2.6 | 3.1 |
Home Prices vs Income Over Time
Between 2015 and 2024, the median home price in St. Mary's County rose about 38.4%, while median household income rose about 46.6% between 2009 and 2025 — income grew faster than the home price.
Income Growth vs Housing Cost Growth (Year-over-Year %)
Compare income and housing cost trends.
Occupancy & Tenure
| Metric | St. Mary's County | Maryland Avg | US Average |
|---|---|---|---|
| Homeownership Rate | 66.9% | 62.4% | 58.5% |
| Rental Rate | 24.5% | 29.9% | 31.2% |
| Vacancy Rate | 8.5% | 7.7% | 10.2% |
| Median Tenure (years) | 15.0 | 15.0 | 15.0 |
| Median Year Moved In | 2011 | 2011 | 2011 |
St. Mary's County has a homeownership rate of 66.9%, higher than the Maryland average of 62.4%. Its housing vacancy rate is 8.5%, compared with 7.7% in Maryland.
Housing Stock
| Metric | St. Mary's County | Maryland Avg | US Average |
|---|---|---|---|
| Average Household Size | 2.65 people | 2.57 people | 2.53 people |
| Median Structure Built Year | 1992 | 1977 | 1978 |
| Median Number of Rooms | 6.7 | 6.2 | 5.5 |
The typical housing unit in St. Mary's County was built around 1992. On average, 2.7 people live in a home with about 6.7 rooms, staying for about 15.0 years on average.
St. Mary's County, MD Housing Compared With Nearby Counties
St. Mary's County, MD is the largest of the 5 counties compared here, 115,126 residents against a local median of 25,789. St. Mary's County, MD's median rent, at $1,747, runs 69% above the $1,035 typical of the counties around it.
The counties themselves spread $741 on median rent, so St. Mary's County, MD sits at one end of an already wide local range rather than apart from it. St. Mary's County, MD has the 2nd highest median rent of the 5 areas compared here.
| Area | Population | Median home price | Median rent | Homeownership |
|---|---|---|---|---|
| St. Mary's County, MD | 115,126 | $350,857 #3/5 | $1,747 #2/5 | 73.2% #4/5 |
| Westmoreland County, VA | 18,825 | $537,500 | $1,018 | 80.1% |
| Calvert County, MD | 94,313 | $403,977 | $1,759 | 87.2% |
| Northumberland County, VA | 12,188 | $129,375 | $1,038 | 86.1% |
| Dorchester County, MD | 32,754 | $216,435 | $1,032 | 65.6% |
Frequently Asked Questions
Common questions about the housing market in St. Mary's County, Maryland.
What is the median home price in St. Mary's County, Maryland?
The median home price in St. Mary's County, Maryland is $350,857, higher than the Maryland average of $267,101.
What is the average home price in St. Mary's County, Maryland?
The typical home price in St. Mary's County, Maryland, reported as the median sale price, is $350,857. The median is used instead of a mathematical average because it is not skewed by a small number of very expensive or very cheap homes, so it better reflects what a typical buyer pays.
What is the median rent in St. Mary's County, Maryland?
The median gross rent in St. Mary's County, Maryland is $1,747 per month, higher than the Maryland average of $1,704.
What was the median gross rent in St. Mary's County in 2020?
In 2020, the median gross rent in St. Mary's County, Maryland was $1,436 per month.
What is the price-to-rent ratio in St. Mary's County, Maryland?
The price-to-rent ratio in St. Mary's County, Maryland is about 16.7, meaning it would take roughly 16.7 years of rent payments at the median rent to equal the median home price. That is a moderate price-to-rent ratio, where buying and renting are often similarly cost-effective in St. Mary's County.
Are home prices or rent rising faster in St. Mary's County, Maryland?
Both home prices and rent are rising in St. Mary's County, up about 4.0% and 3.9% a year respectively. Home prices are changing faster.
What is the homeownership rate in St. Mary's County, Maryland?
66.9% of households in St. Mary's County, Maryland own their home, higher than the Maryland average of 62.4%.
What is the vacancy rate in St. Mary's County, Maryland?
The housing vacancy rate in St. Mary's County, Maryland is 8.5%, higher than the Maryland average of 7.7%.
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