St. Marys, GA Cost Of Living

St. Marys cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
Index	St. Marys	Georgia	National
Cost of living index	97	93	100
Index	St. Marys	Georgia	National
Goods & Services index	98	96	100
Groceries index	100	99	100
Health care index	87	96	100
Housing index	96	86	100
Transportation index	97	96	100
Utilities index	92	97	100

Here we can see a simple outline of the cost of living in St. Marys, GA. As you can see, with the average cost of living in St. Marys, GA being 97, that puts it 3% higher than the average of Georgia and 3% lower than our nation's average. This simple outline of the cost of living index was formulated using prices of: goods and services (weighted 33%), housing prices (weighted 30%), groceries (weighted 13%), utilities (weighted 10%), transportation (weighted 9%), and health care (weighted 5%). Thus, goods/services, along with housing influences the majority of the cost of living index. The price of daily goods and services is a valuable and reliable number to be aware of when considering the general price of the city's goods. In the case of St. Marys, GA, the price of goods and services are 2% higher than the average of Georgia as well as 2% lower than the nation's average.

Did you know?

The cost of living in St. Marys is 3% higher than the Georgia average.
The cost of living in St. Marys is 3% lower than the national average.
The cost of housing in St. Marys is 4% lower than the national average.
Georgia general sales tax is 21% lower than the national average.
Georgia state income tax is 55% lower than the national average.

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Salary Calculator

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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

The salary calculator is meant to help you compare your salary in St. Marys, GA to your potential earning power in another city. This can help you deduce what your salary would need to be in any given city in order for you to live the same lifestyle that you do in your current city. In other words, if you plan on moving to a city where the cost of living is higher than in St. Marys, GA, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the St. Marys, GA salary calculator, simply input the new city, then move the adjustable slider to match your current income. Once you've selected your income, the calculator will determine if that income is sufficient to support your standard of living in the new city you entered. The calculator will also supply you with a rundown of living costs in the new city.

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, GA 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%	6%

The Georgia sales tax and Georgia income tax rates should definitely be considered when determining the overall cost of living in St. Marys, GA. Sales taxes are taxes that are imposed onto goods and services sold. Sales taxes do vary by state and can range from no tax at all to upwards of 7%. The Georgia sales tax is 4% and the maximum surtax is 8%. Income tax is the tax imposed on income by the government. The income tax rates will vary by state and will also increase or decrease depending on the corresponding tax bracket. State income tax rates can range from anywhere from no tax at all to more than 9%. The Georgia income tax rates range from 1% to 6%.

Goods & Services

Item	St. Marys	National avg.	Difference
Haircut	$14.24	$16.09	11.5%
Beauty Salon	$53.33	$37.33	42.9%
Toothpaste	$2.44	$2.45	0.4%
Shampoo	$0.94	$1.00	5.7%
Movie	$11.02	$10.28	7.2%
Bowling	$4.52	$4.93	8.3%

Groceries

Item	St. Marys	National avg.	Difference
Ground Beef	$4.05	$3.80	6.4%
Fried Chicken	$1.93	$1.40	38.2%
Milk	$2.42	$2.01	20.5%
Potatoes	$3.46	$3.01	15.0%
Pizza	$8.72	$9.89	11.8%
Beer	$9.13	$8.90	2.6%

Health Care

Item	St. Marys	National avg.	Difference
Optometrist	$79.25	$102.16	22.4%
Doctor	$68.27	$108.36	37.0%
Dentist	$93.21	$92.53	0.7%
Ibuprofen	$9.31	$9.28	0.3%
Lipitor	$405.16	$425.82	4.9%

Housing

Item	St. Marys	National avg.	Difference
Home Price	$173,200.00	$184,700.00	6.2%
Avg. Mortgage Payment	$966.35	$1,202.44	19.6%
Apartment Rent	$961.00	$949.00	1.3%

Transportation

Item	St. Marys	National avg.	Difference
Gasoline	$2.35	$2.24	4.5%
Tire Balancing	$38.15	$46.29	17.6%

Utilities

Item	St. Marys	National avg.	Difference
All Electricity	$158.65	$165.96	4.4%
Phone	$25.52	$28.68	11.0%

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	87	-13%
Kingsland, GA	16,411	92	-8%
Yulee, FL	12,217	96	-4%
Kings Bay Base, GA	1,948	103	3%
Fernandina Beach, FL	12,156	110	10%
St. Marys, GA	17,853	97	-3%

Cities with similar population

City, State	Population	Cost of Living Index	National Avg.
Arroyo Grande, CA	17,842	142	42%
Sheridan, WY	17,866	98	-2%
Newburyport, MA	17,837	145	45%
Gretna, LA	17,832	95	-5%
Rancho Mirage, CA	17,876	143	43%
St. Marys, GA	17,853	97	-3%

Source: The St. Marys, GA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2017.

St. Marys, GA Cost of Living