St. Marys, GA Property Tax: Rates & How to Save (2026)
St. Marys, GA property taxes: $3,038/year median. See rates, how to appeal in Camden County, and check your savings.
Key Takeaways
Median home value: $312,300 in St. Marys.Median annual tax bill: $3,038.Tax rate: Camden County's combined rate is 2.960%.Appeals filed with: Camden County Board of Assessors (not the city).Appeal deadline: 45 days from your assessment notice date.
St. Marys is a Camden County city near the Georgia coast, known as the gateway to Cumberland Island and home to Kings Bay Naval Submarine Base. With a median home value around $312,000 -- about 20% above the county average -- it's especially important to make sure your assessment reflects your specific property, not the area's overall premium.
Property Tax Rates in St. Marys
St. Marys property taxes are assessed and collected by Camden County. Georgia assesses all property at 40% of fair market value.
Here is how the tax math works for the median St. Marys home:
Fair Market Value (county assessment): $312,300
Assessed Value ($312,300 x 0.40): $124,920
Tax Rate (Camden County combined rate): 2.960%
Annual Tax Bill ($124,920 x 2.960%): $3,697
The Census Bureau reports a median annual tax bill of $3,038 for St. Marys, which reflects all levies including county, school, and city taxes.
How St. Marys Compares
St. Marys: $312,300
Camden County: $261,400
Georgia (statewide): $170,200
Homes in St. Marys are valued 20% above the Camden County median. Higher home values mean a larger tax bill - and a bigger potential payoff from a successful appeal. The median annual tax bill in St. Marys ($3,038) is 111% above Georgia's statewide median of $1,439. Home values in Camden County range from about $181,654 (25th percentile) to $376,088 (75th percentile), so your appeal savings depend heavily on where your home falls in that range.
How to Appeal Your St. Marys Property Tax
Property tax appeals in St. Marys are handled by the Camden County Board of Assessors. You have 45 days from the date of the assessment notice to file using the PT-311A form.
Based on a combined tax rate of 2.960%. Your actual rate may vary by tax district.
A 10% reduction on the median St. Marys home ($312,300 down by $31,230) would save approximately $370 per year - or $1,110 over three years with the 299c freeze.
The median annual property tax bill in St. Marys is $3,038, based on Census ACS 2024 data. Using Camden County's millage rate of 2.960%, the computed tax on the median home ($312,300) is approximately $3,697.
Who do I contact to appeal my St. Marys property tax?
Appeals are filed with the Camden County Board of Assessors, not at the city level. File a PT-311A form within 45 days of your assessment notice.
Why are St. Marys home values higher than the Camden County average?
St. Marys's premium reflects demand driven by school quality, proximity to employment centers, and neighborhood amenities. Higher values mean a larger potential overassessment -- a 10% overvaluation costs approximately $369 per year in excess taxes.
How is my St. Marys property tax bill calculated?
Georgia taxes property at 40% of fair market value. For St. Marys's median home ($312,300), the assessed value is $124,920. Multiply by Camden County's millage rate of 2.960% to get your annual bill. In growing cities like St. Marys, reassessments often outpace actual market conditions -- compare your assessed value per square foot to recent closed sales within 1 mile of your home.
What evidence wins a property tax appeal in St. Marys?
The strongest evidence is 3-5 comparable sales -- homes similar to yours in size, age, and condition that sold recently for less than your assessed value. In St. Marys, there are typically enough recent sales to build a strong case. Focus on per-square-foot price comparisons and adjust for differences in lot size, condition, and amenities.
Why is my St. Marys property tax bill so high?
The median tax bill in St. Marys is $3,038 -- 111% above Georgia's statewide median of $1,439. This reflects both higher home values and Camden County's combined millage rate. If your individual assessment is higher than what your home would actually sell for, you are paying even more than necessary.
Can my property tax go up if I appeal?
No. Georgia law (O.C.G.A. § 48-5-311) protects you: the county cannot raise your assessed value above what they originally set just because you filed an appeal. The Board of Equalization only rules on the disputed value. Worst case, your appeal is denied and you keep your current assessment -- your taxes will not increase as a result of appealing.