St. Mary's County, MD real estate

What the numbers say

St. Mary's County, MD real estate at a glance

By AstroCore · Realtor.com, US Census and Freddie Mac data

In September 2026, the median home in St. Mary's County listed for $452,475, down 7.6% from a year earlier. That is 6% above the Maryland median of $425,000.

Homes spent a median of 42 days on the market, slower than 41 days a year ago. That makes St. Mary's County the #8 fastest-selling of 18 Maryland counties we track.

Homeowners in St. Mary's County pay a median of $3,424 a year in property taxes on a median home value of $407,600, an effective rate of about 0.84%. The Maryland average is 0.97%, which makes St. Mary's County the #6 lowest-tax of 24 counties in the state with published tax data.

Renters pay a median of $1,747 a month, and $1,630 for a two-bedroom. At today's prices a typical home costs about 22 times a year's rent, which generally favors renting over buying in the short term.

With 20% down and today's 7.24% average 30-year rate, the monthly payment on a $452,000 home here comes to about $2,972 including property tax and insurance. Lenders typically want that to be under 28% of income, which works out to roughly $127,000 a year (the median household here earns $119,446).