St. Marys, GA · Updated Oct 2026

What a St. Marys house pays

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Sent only to free public map services to find who serves it. Not stored unless you save your house.

Example · a St. Marys house

$9,325a year · $777 a month

Starts at the typical market value, $312,300; your assessed value is often lower. Typical use.

A St. Marys house at the typical market value ($312,300) pays about $9,300 a year: $4,180 property tax and charges, $960 water and sewer, $430 trash, $2,100 electricity, $1,660 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 22, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

One change saves this house about $7 a year:

Bring water use down to 8 units
$7 a year
Above 8 units a month, City of St. Marys charges $4.39 a unit instead of $3.82.
How: Most of the top tier is outdoor watering: fix leaks and water less often in summer.

Worth checking

Seniors 62+: City of St. Marys senior exemption$25,000 exemption
The City of St. Marys offers a $25,000 senior exemption on city property taxes for full-time residents who are 62 on January 1 of the tax year.
How: File the application at the City of St. Marys Property Tax Office before June 1; call 912-510-4000 ext. 7.
Seniors 62+: county and school exemptionsUp to $25,000
Homeowners 62 or older may be eligible for Camden County and school tax exemptions of up to $25,000, with no income limit.
How: Contact the Camden County Tax Assessors Office at 912-576-3241.
Homestead valuation freeze
When the Camden County homestead valuation freeze is first granted, the home's base value is set at the previous year's taxable value, and it changes only if the structure or acreage changes.
How: Call the Camden County Tax Assessors Office at 912-576-3241 for more information.
Seniors and 100% disabled veterans: lower utility ratesGarbage $28.80 instead of $36.00
The City's rate sheet lists reduced water and sewer rates for 100% disabled veterans and senior citizens ($16.36 base rate, $2.29 per 1,000 gallons up to 6,000 gallons and $2.62 above) and a $28.80 monthly garbage rate for seniors 65 and over instead of $36.00.
How: Ask City of St. Marys Utility Billing at (912) 510-4000.
Georgia Power Income Qualified Discount$24.00 + $9.50 a month
Customers who are 65 or older with household income at or below 200% of the federal poverty level, who receive SSDI or SSI, or who are in the Housing Choice Voucher (Section 8) program can get a monthly bill discount: $24.00 non-fuel and $9.50 fuel.
How: Apply with Georgia Power; the Company must certify you.
Appeal your assessment
You have 45 days from the date of the Notice of Reassessment to file an appeal with the Camden County Board of Tax Assessors.
How: For information, call 912-576-3241.

Money dates

Apr 1Last day to apply to the county tax office for a homestead exemption for the first year you seek it.
Before Jun 1Apply at the City of St. Marys Property Tax Office for the city's senior exemption (62 and over).
60 days after the billCamden County property taxes (county and school) are billed near the middle of September and are due 60 days after the mail-out date; taxes not paid within 90 days of the due date get a 10% penalty.
60 days after the billCity of St. Marys property taxes are due 60 days from the date of billing, before 5:00 PM; postmarks are not accepted.

Who serves this house

Water: City of St. Marys; City of St. Marys, billed monthly: a water base rate plus a charge per 1,000 gallons, higher above 6,000 gallons.
Property tax: 1.38% of value; 2026 tax year: Camden County, Camden County School District and City of St. Marys
Garbage: City of St. Marys (collection by Cumberland Services); One 96-gallon trash cart collected weekly, a 64-gallon recycling cart every other week, yard waste weekly and bulky items on call
Sewer: City of St. Marys; A base rate plus a charge per 1,000 gallons; water, sewer and garbage are one City utility account, billed monthly
Electricity: Georgia Power or Okefenokee Electric (REMC); The City tells residents to report outages through the Georgia Power or REMC portal
Schools: Camden County School District; 15.000 mills for 2026, adopted by the Camden County Board of Education on October 1, 2026

Pay or manage your bills

Your water

Source: Three groundwater wells drawing from the Upper Floridan Aquifer, about 800 to 1,100 feet underground.
Lead: 2025 tap sampling at 30 locations: lead ranged from 0.00 to 9.4 ppb and no site was above the 15 ppb action level.
Violations: The 2025 water quality report says the system had two violations of water quality parameters during 2025.

Other GA cities

What a Doraville house pays

How these numbers are made

Property tax: Georgia assesses a home at 40% of fair market value and applies the millage rate to that. A home inside St. Marys pays 34.578 mills on assessed value: Camden County 13.139, Camden County School District 15.000 (Camden County tax district 01, St. Marys; the state levies no ad valorem tax) and City of St. Marys 6.439, which the City bills separately. On market value that is 1.383%. The school rate was adopted October 1, 2026; the county and city rates are the advertised 2026 rates set for adoption on October 13 and October 19, 2026.
Exemptions: the county's regular homestead exemption of $4,000 off assessed value (shown as $10,000 of market value) is applied to all three levies; the City's tax page does not say whether the city levy also takes it (if not, the city tax is about $26 a year higher). Camden County's homestead valuation freeze and the senior exemptions are not modeled, so a long-held homestead usually pays less than shown. For comparison, the Census median real estate tax paid in St. Marys (ACS 2020-2024) is $3,038.
The starting home value is the Census median value of owner-occupied housing units in St. Marys ($312,300, ACS 2020-2024), a market value.
Water, sewer and garbage use the City of St. Marys rates in its utility brochure (rates sheet posted as 2023) and the City's FY2025 financial report, which lists the same water and sewer rates for every year from 2016 to 2025: water $20.45 a month plus $2.86 per 1,000 gallons up to 6,000 gallons and $3.28 above; sewer $20.45 a month plus the same per-1,000-gallon charges, modeled here at $2.86 for all use (about $0.42 per 1,000 gallons low above 6,000 gallons); garbage $36.00 a month. The City has not published a typical household use, so the page starts at 9 CCF (about 6,700 gallons). A stormwater utility fee ($5.00 a month proposed at an April 2026 council workshop) is not included because no adoption was found.
Electricity uses Georgia Power's R-31 residential rate effective June 2026 with every month weighted: eight winter months (October-May) at 8.2116 cents for all kWh and four summer months at the tiered rates, plus the fuel cost recovery rate for each season, environmental compliance (13.0205%) and demand-side management (1.1969%) on the base bill, and the 3.0843% inside-city municipal franchise fee on the whole bill, at EIA's 2024 Georgia residential average of 1,074 kWh a month. Homes served by Okefenokee REMC pay that cooperative's rates instead. Sales tax, if any, is not included.
Gas is left out: only 182 of 4,531 owner-occupied homes in St. Marys heat with utility gas (Census ACS 2020-2024); 4,243 heat with electricity. Flood insurance, a separate policy, is not included. The homeowners insurance figure is the 2022 Georgia statewide average, the latest official NAIC year found; it is older than 2026 and is probably below current premiums. A stormwater utility fee reported by the local paper in April 2026 may also be added; its amount and start date were not confirmed.
Nothing here is legal, tax or insurance advice.

Sources

How St. Marys compares

A typical St. Marys house against the 320 cities we cover nationwide, using the same default numbers as the total above.

Per year	St. Marys	Median	Where it falls
Property tax rate	1.38%	1.23%	higher than 197 of the other 314 cities we cover nationwide
Water	$480	$654	lower than 228 of the other 319 cities we cover nationwide
Sewer and utility-bill fees	$476	$735	lower than 234 of the other 284 cities we cover nationwide
Trash	$432	$379	higher than 166 of the other 249 cities we cover nationwide
Electricity and gas	$2,100	$2,743	lower than 242 of the other 319 cities we cover nationwide
Home insurance	$1,655	$1,492	higher than 198 of the other 314 cities we cover nationwide
Total	$9,325	$11,671	lower than 241 of the other 319 cities we cover nationwide

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $476 a year, lower than 234 of the other 284 cities we cover nationwide. Some cities bill sewer on the property tax bill instead, which is not counted here.

Ask: "Sewer and flat utility-bill charges here cost about $476 a year, lower than 234 of the other 284 cities we cover nationwide. What drives that cost, and would you change anything?"

2. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,100 a year, lower than 242 of the other 319 cities we cover nationwide. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,100 a year for a typical house, lower than 242 of the other 319 cities we cover nationwide. Which parts of that can the city influence, and what would you do about them?"

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Common questions about St. Marys house costs

What is the property tax rate in St. Marys?

About 1.38% of the value before exemptions a year (2026 tax year: Camden County, Camden County School District and City of St. Marys), plus flat charges on the same bill.

How much is property tax on a $500,000 house in St. Marys?

About $6,777 a year on $500,000 of the value before exemptions with the regular homestead exemption.

How much is the water bill in St. Marys?

About $80 a month for water and sewer at typical use (7,000 gallons a month) on City of St. Marys.

How much does trash pickup cost in St. Marys?

$36 a month for a house.

When is property tax due in St. Marys?

60 days after the bill: Camden County property taxes (county and school) are billed near the middle of September and are due 60 days after the mail-out date; taxes not paid within 90 days of the due date get a 10% penalty. 60 days after the bill: City of St. Marys property taxes are due 60 days from the date of billing, before 5:00 PM; postmarks are not accepted.

Can seniors lower their property tax or bills in St. Marys?

Yes. Seniors 62+: City of St. Marys senior exemption: The City of St. Marys offers a $25,000 senior exemption on city property taxes for full-time residents who are 62 on January 1 of the tax year.

How much does a house in St. Marys cost to run each year?

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