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St. Mary's
Maryland

114K

Population

$114K

Median Income

$432K

Median Home

R+33

Politics

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What stands out

What stands out about St. Mary's County: the median household income is in the top 2% of American counties ($113,668), the typical two-bedroom rent is in the top 4% of American counties ($1,522 a month), and the uninsured rate is in the bottom 4% of American counties (5.1%). Within Maryland it ranks 7th of 24 counties for the median household income.

Where you are

You live in St. Mary's County, Maryland. 113,814 people live here with you. The population grew 0.4% last year, and more Americans moved out than in (net -96).

Maryland is the only state that levies both an estate tax and an inheritance tax, and its counties add their own income taxes of up to 3.2% on top of the state rate. Household income is the highest in the country, concentrated in the Washington suburbs of Montgomery and Howard counties. Social Security is not taxed and there is a pension exclusion for residents 65 and over.

Money

The typical household here brings in $113,668 a year, higher than 98% of American counties. Employers pay an average wage of $85,381. Unemployment runs 3.1%, lower than 63% of American counties. 14% of workers work from home.

Maryland takes 4.7% of that median income in state income tax, about $5,381 a year.

Home

The median home costs $437K, pricier than 89% of American counties, about 2.8 years of the median household's income. A two-bedroom rents for around $1,522 a month. Property tax is 0.89% of home value, roughly $3,355 a year on that median home, higher than 52% of American counties. 72% of households own rather than rent.

Safety and health

Violent crime here is 3.1 per 1,000 residents, lower than 86% of American counties. Drug overdoses killed 22 people per 100,000 in 2024.

A child born here can expect to live 77.5 years, longer than 69% of American counties. There are 127 active physicians in the county, about 11.2 per 10,000 people. 5.1% of people under 65 have no health insurance.

School

92% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 33 points. 67% of eligible voters turned out. Under Maryland law you need local approval to carry a concealed handgun, abortion is protected by state law, and marijuana is legal for adults.

Weather and risk

The year averages 58°F, highs near 67 and lows near 48, warmer than 58% of American counties. About 41 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 82 out of 100, riskier than 82% of American counties; the county has had 18 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 223 Mbps down, faster than 60% of American counties. There are 14 airports in the county, counting general aviation. For a night or a weekend out: 0.5 full-service restaurants per 1,000 people.

Written from the figures below. Percentiles compare this county with every other county that reports the same figure; missing figures are left out rather than guessed.

Economy

Median Household Income$114K
This county
national avg ~$75K
Poverty Rate8.0%
This county
national avg ~11.5%
Unemployment Rate3.1%
This county
national avg ~3.8%
GDP per Capita$85,314
Federal Spending per Capita$38,656
Median Individual Earnings$64K
This county
national avg $45K
Professional/Management Workers49.9%
Average Adjusted Gross Income$94K
Avg Credit Score686
Work From Home %13.7%
This county
national avg 17.0%
Population Under 1823.9%
This county
national avg 22.0%
Single-Person Households22.8%
This county
national avg 28.0%
Banks & Finance Firms35
Income (20th Percentile)$48K
Income (80th Percentile)$199K
Income (95th Percentile)$250K
Bachelor's Degree or Higher34.9%
This county
national avg 34.3%
Less Than High School8.2%
This county
national avg 11.0%
Knowledge Economy GDP %22.9%
Dependency Ratio0.59
Medicare Spending / Person$2,137
SS Benefits / Person$2,948
Education Wage Premium2.46x
Median Earnings (Bachelor's)$94K
Median Earnings (Graduate)$114K
Median Earnings (HS Diploma)$46K
Public Assistance Recipients2.1%
Average Annual Wage$85K
Professional Services Concentration1.94x national
This county
1.0 = national average share
Federal Government Jobs Located Here10,152
Federal Share of Jobs Located Here21.2%
Residents Who Work for the Federal Government22.3%
Federal Civilian Share of Earnings30.9%
Federal Contract Dollars Performed Here (FY2025)$4.6B
Contract Dollars Relative to Local Wages1.10x wages
Largest Award's Share of Contract Dollars8%

Housing

Sources: Zillow ZHVI · Census ACS 2022 · Tax Foundation 2023 (effective rates)

Median Home Value$432K
This county
$420K state avg
$303K national
Median Sale Price$420K
This county
$303K national
Market Rent (ZORI)$1807/mo
This county
$1950/mo state avg
$1400/mo national
Property Tax Rate0.89%
This county
0.97% state avg
1.10% national

Annual tax on median home: $3,355

Affordability & Supply

HUD Fair Market Rent (2BR)$1,833/mo
Home Price Change (1 yr)+6.1%++0.0% since 2024
Home Value to Income Ratio2.8x income
Severely Cost-Burdened Households11.1%
Homeownership Rate72.5%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Sale-to-List Ratio— Buyers market — homes selling below list
99.4%
Listings with Price Cuts— Low — market moving fast
17.1%
Sold Above List Price
30.4%
Median Days to Close
31 days
Active Listings
248
New Listings / Month
121

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Average pace
40 days
Months of Supply (Redfin)— Low inventory — sellers market
2.6 mo
Sold Above List (Redfin)
34.4%

Sale-to-List Cross-Reference

Zillow 99.4%  ·  Redfin 100.5%

Source: Redfin · Updated monthly

Health

Life Expectancy77.5 yrs
This county
national avg ~78.5 years
Food Insecurity9.4%
This county
national avg ~11%
Food Environment Index8.4 / 10
This county
higher = better access
Primary Care Shortage Score10
This county
national avg 5
Mental Health Shortage Score14
Dental Care Shortage Score0
Healthcare Shortage Score8.0
Healthcare Offices137
Obesity Rate (BRFSS)37.2%
This county
national avg 32.0%
Smoking Rate (BRFSS)12.7%
This county
national avg 14.0%
Poor Health Rate (BRFSS)16.6%
This county
national avg 18.0%
Physical Inactivity (BRFSS)22.3%
This county
national avg 24.0%
High Blood Pressure (BRFSS)32.6%
This county
national avg 32.0%
Active Physicians127
Nursing Home Rating4.3 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients635 / 1,000
Medicare Cost per Beneficiary$11,771
Uninsured (under 65)5.1%
This county
national avg ~10%
Adults with Depression21.5%

Education

HS Diploma Holders19,781
Bachelor's Degree Holders15,055
HS Completion Rate91.8%
This county
national avg ~85%
Private Schools42

Safety

Violent Crime Rate3.1 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate11.4 / 100K
This county
national avg ~13.6/100K
Homicide Rate2.8 / 100K
This county
national avg ~7.5/100K
Drug Overdose Rate33.3 / 100K
This county
national avg ~21/100K
Traffic Fatalities13
Social Vulnerability (CDC SVI)25th pct
Drug Overdose Deaths (2024)21.7 / 100K
Suicide Rate12.9 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale0.5
January Sunshine0.20
January Temperature0.37
Average Temp58°F-1.0% since 2022
Avg High Temp67°F-1.2% since 2022
Avg Low Temp48°F-0.6% since 2022
Annual Precipitation41.4 in/yr-10% since 2022
Avg Storm Events36.8 storms/yr
Avg Annual Storm Damage$1M
Drought Index (2022)0.06
Heating Degree Days4,080 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days1,362 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)4,404 HDD/yr
Cooling Degree Days (1901–2000 Baseline)1,147 CDD/yr
Avg Tornadoes / Year0.8
Avg Flood Events / Year15.2
Avg Hail Events / Year3.8
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)82 / 100
Community Resilience (FEMA)92 / 100
Federal Disaster Declarations18 since 1953
Fine Particulate Pollution (PM2.5)6.3 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)32 properties
FAA-Registered Airports16 total
Airports (excl. heliports)14 airports

Internet & Remote Work

Download Speed223 Mbps
This county
national avg ~120 Mbps
Upload Speed62 Mbps
Fixed Internet (Q1 2026)346 Mbps
Mobile Internet (Q1 2026)223 Mbps
Mobile Upload (Q1 2026)26 Mbps
Mobile Latency (Q1 2026)30 ms
Households with 100Mbps+97.1%
This county
national avg 75.0%
Cellular-Only Internet6.4%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)161 Mbps

Commute & Transit

Remote Workers7,955 workers
Public Transit Commuters657 workers
Walk to Work (workers)1,077 workers
Extreme Commutes (90+ min)3,592 workers
Bike Commuters0.2%
Walk to Work1.9%

Families & Childcare

Childcare Cost Burden17.1%
This county
national median ~27% of household income
Childcare Centers2.8 per 10K residents
Childcare Facilities22

Civic & Community

Voter Turnout66.9%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)4.167
Veterans Share14.2%
This county
national avg 7.0%
Married Adults52.5%
Never-Married Adults33.2%
Divorced Adults9.1%
Religious Organizations50
Asian Population2.5%
Native American Population0.1%
Membership Associations6.3 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.51 per 1K residents
Nursing & Care Facilities10
Grocery Stores23
Arts & Entertainment Venues3
Hotels & Lodging17
Recreation Businesses22
Professional Services Firms357
Veterinary Practices22
Real Estate Firms94
Debt Burden
Avg Mortgage Balance$106K
Avg Student Loan Balance$8K
Avg Credit Card Balance$6K
Loan Delinquency Rate41.5%
This county
national avg 4.0%

Innovation

Inventor Rate0.27%

Politics

R+33

2024 Presidential · Maryland was D+24 statewide

vs Maryland State

Income tax
5.75%Same (state law)
Property tax
0.89%0.97% state avg
Politics
R+33D+24
COL Index
116state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↓ -96

More people leaving than arriving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.77x avg income)

Economic Mobility

42%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in St. Mary's County

Median home value: $437K

View on Zillow →View on Realtor.com →

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Full Maryland profile

Taxes, cost of living, crime, schools, gun laws and more.

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Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

Your Priorities

Adjust and every page updates live

Quick Profiles

Dial in your priorities

Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable