St. Marys, Georgia Cost Of Living

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Overall 6%

Goods & Services 7%

Housing 4%

Date & Last Updated: This data reflects 2019 and was released from C2ER in January, 2020; this is the most current data available.

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	St. Marys	Georgia	National
Cost of living	94	94	100
Goods & Services	93	97	100
Groceries	100	99	100
Health care	87	97	100
Housing	96	86	100
Transportation	84	97	100
Utilities	98	93	100

Key findings

The cost of living in St. Marys is equal to the Georgia average
The cost of living in St. Marys is 6% lower than the national average
St. Marys housing is 4% lower than the national average
Georgia general sales tax is 21% lower than the national average
Georgia state income tax is 59% lower than the national average

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$70,363	$5,864	$1,642	$2,111
Renters	$40,042	$3,337	$934	$1,201

The percent of monthly income spent on housing can be a good indicator of the affordability of housing in St. Marys, GA, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for St. Marys homeowners, is $70,363. This would allow for a maximum of $1,642 per month to be spent on housing costs. For renters, the median monthly income is $40,042 which would result in a maximum of $934 to be spent on rental costs.

Georgia Sales Tax

State	General Sales Tax	With Max Surtax
Georgia	4%	8%

Georgia Income Tax

State	Income Tax (Low)	Income Tax (High)
Georgia	1%	5.75%

Goods & Services

Item	St. Marys	National avg.	Difference
Haircut	$14.20	$17.49	18.8%
Beauty Salon	$52.00	$38.17	36.2%
Toothpaste	$2.46	$2.32	6.0%
Shampoo	$0.94	$1.01	7.1%
Movie	$11.17	$10.72	4.2%
Bowling	$13.60	$13.86	1.9%

Groceries

Item	St. Marys	National avg.	Difference
Ground Beef	$4.03	$3.90	3.3%
Fried Chicken	$1.28	$1.40	8.3%
Milk	$2.02	$1.96	2.9%
Potatoes	$4.06	$3.18	27.6%
Pizza	$8.99	$10.39	13.5%
Beer	$9.24	$9.23	0.1%

Health Care

Item	St. Marys	National avg.	Difference
Optometrist	$63.80	$106.34	40.0%
Doctor	$82.50	$115.25	28.4%
Dentist	$97.20	$98.38	1.2%
Ibuprofen	$8.79	$9.26	5.1%
Lipitor	$433.34	$466.47	7.1%

Housing

Item	St. Marys	National avg.	Difference
Home Price	$173,200.00	$184,700.00	6.2%
Avg. Mortgage Payment	$961.96	$1,273.32	24.5%
Apartment Rent	$961.00	$949.00	1.3%

Transportation

Item	St. Marys	National avg.	Difference
Gasoline	$2.50	$2.59	3.7%
Tire Balancing	$32.33	$48.90	33.9%

Utilities

Item	St. Marys	National avg.	Difference
All Electricity	$158.65	$167.60	5.3%
Phone	$184.29	$163.42	12.8%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, State	Population	Cost of Living Index	National Avg.
Woodbine, GA	1,681	84	-16%
Kingsland, GA	16,411	90	-10%
Yulee, FL	12,217	93	-7%
Kings Bay Base, GA	1,948	101	1%
Fernandina Beach, FL	12,156	108	8%
St. Marys, GA	17,853	94	-6%

Cities with similar population

City, State	Population	Cost of Living Index	National Avg.
Arroyo Grande, CA	17,842	146	46%
Sheridan, WY	17,866	101	1%
Newburyport, MA	17,837	139	39%
Gretna, LA	17,832	95	-5%
Rancho Mirage, CA	17,876	145	45%
St. Marys, GA	17,853	94	-6%

Source: The St. Marys, GA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.

St. Marys, GA Cost of Living

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