St. Mary's County, MD Average Home Price (2026)
The average home price in St. Mary's County, Maryland is about $438,000 (the 2026 median across 19 ZIP codes, at ~$240/sq ft) — 1% more affordable than the Maryland median and 52% more expensive than the typical U.S. home.
How St. Mary's County compares
St. Mary's County is relatively expensive for housing nationally: its typical home costs $438,000 against $441,000 for Maryland and $289,000 for the U.S. Within the county, ZIP-level values run from about $345,000 to $636,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| St. Mary's County | $438,000 | $240 |
| Maryland | $441,000 | $233 |
| United States | $289,000 | $193 |
St. Mary's County home prices by ZIP code
The 15 most valuable ZIP codes in St. Mary's County (of 19 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 20630 Drayden | $636,000 | $264 | +45% |
| 20650 Leonardtown | $528,000 | $209 | +21% |
| 20690 Tall Timbers | $522,000 | $233 | +19% |
| 20636 Hollywood | $513,000 | $283 | +17% |
| 20674 Tall Timbers | $478,000 | $252 | +9% |
| 20692 Valley Lee | $478,000 | $532 | +9% |
| 20684 Saint Inigoes | $467,000 | $275 | +7% |
| 20606 Abell | $459,000 | $472 | +5% |
| 20659 Mechanicsville | $439,000 | $217 | +0% |
| 20680 Ridge | $438,000 | $241 | +0% |
| 20609 Avenue | $434,000 | $321 | -1% |
| 20620 Callaway | $434,000 | $187 | -1% |
| 20626 Coltons Point | $422,000 | $222 | -4% |
| 20619 California | $396,000 | $207 | -10% |
| 20653 Lexington Park | $387,000 | $182 | -12% |
Home value appreciation in St. Mary's County
Home prices in St. Mary's County have risen about 60% over the last 10 years (≈4.8% a year) and +42.5% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.1% — still rising. A home worth $438,000 today was worth roughly $273,238 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Maryland is +59.8% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for St. Mary's County
Run the numbers for St. Mary's County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in St. Mary's County
To buy the typical $438,000 home in St. Mary's County with 20% down, you need a household income of roughly $119,000 a year (about $2,780 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $142,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $21,900 | $3,460/mo | $148,000/yr |
| 10% (+PMI) | $43,800 | $3,300/mo | $142,000/yr |
| 20% | $87,600 | $2,780/mo | $119,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in St. Mary's County
At about $240 per square foot, here is roughly how much home different budgets get you in St. Mary's County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 830 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1040 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1250 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1670 sq ft | around the typical home here |
| $500k | 2080 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Maryland.
Estimate a specific home in St. Mary's County
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St. Mary's County home prices: frequently asked
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Browse all Maryland cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.