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Market MapSt. Marys, GA
Metropolitan Area

St. Marys, GA

Georgia0
57
/100
Hold
#588 of 894 metros
Top 66% nationally for investing

Market Snapshot

$308,180
Median Home Price
21% above national median
$1,562/mo
Median Rent
13% above national median
6.08%
Rent-to-Price Ratio
Top 45% nationally
-$600
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$308,180
Down Payment (20%)$61,636
Loan Amount$246,544
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,562
Monthly P&I-$1,616
Est. Expenses (35%)-$547
Net Cash Flow-$600/mo
4.0%
Cap Rate (all cash)
-10.2%
Cash-on-Cash Return
6.08%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 4.0% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
57/100
57
Cash Flow(30%)
61/100

Based on 6.08% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
54/100

Based on 0.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
64/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Low unemployment (0.0%)

Challenges

  • -Negative cash flow at typical financing (-$600/mo)
  • -Negative leverage (cap rate 4.0% < mortgage rate 6.9%)

Counties in St. Marys, GA

County data is being compiled for this metro area.

Compare to Similar Metros

Metro AreaVerdict
Huron, SD
Huron, SD
77$192,112Est.Strong BuyView
Galesburg, IL
Galesburg, IL
77$119,882$8618.62%Strong BuyView
Fort Madison, IA
Fort Madison, IA
77$125,903Est.Strong BuyView
Quincy, IL
Quincy, IL
77$187,232$1,1977.67%Strong BuyView
Ponca City, OK
Ponca City, OK
77$114,874$8068.42%Strong BuyView
Current
St. Marys, GA
57$308,180$1,5626.08%Hold

The Bottom Line

HoldSt. Marys, GA is a neutral market. Consider house hacking or targeting below-market deals in specific counties.

The St. Marys, GA metro area scores 57/100, ranking #588 of 894 US metros (top 66%). The 6.08% rent-to-price ratio indicates moderate cash flow potential. Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-600/mo
Cap Rate
4.0%
Cash-on-Cash
-11.7%

Ready to Invest in St. Marys, GA?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

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