St. Marys, GA: Is Your Property Tax Assessment Too High? (2026)
By AppealAlly Team · Published
The median St. Marys homeowner pays $3,038/year in property taxes. That is 4.09% of median household income. See how St. Marys compares and check your savings potential.
Key Takeaways
Appeal deadline: 45 days from your assessment notice date - strictly enforced.Median home value: $312,300 in St. Marys.Median annual tax bill: $3,038.Tax burden: 4.09% of median household income in St. Marys.Potential savings: ~$369/year from a 10% reduction, or $1,107 over 3 years with the 299c freeze.Filed with: Camden County Board of Assessors (not the city).No risk: Georgia law guarantees your assessment cannot increase from filing an appeal.
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.
St. Marys Appeal Quick Facts
Appeal Deadline: 45 days from the date of the assessment notice
Median Home Value: $312,300 (20% above Camden County median)
Estimated Annual Tax Bill: $3,038
Tax Burden: 4.09% of median household income
Is your St. Marys property tax assessment too high?
The median home in St. Marys is valued at $312,300, producing an estimated annual tax bill of $3,697 at Camden County's 2.960% combined rate. That means the typical St. Marys homeowner spends 4.09% of household income on property taxes alone. St. Marys combines higher-than-average home values with a heavy tax burden. If your home is overassessed by even 10%, the cost adds up fast. Higher home values mean a larger tax bill and a bigger payoff from a successful appeal. At $312,300, St. Marys home values are 20% above the Camden County median, 83% above Georgia's statewide median of $170,200, 1% below the national median of $318,000.
How does St. Marys compare to other Camden County cities?
St. Marys's median home value is the highest among these Camden County cities, which means overassessment costs more here than anywhere else in the county.
What evidence matters for St. Marys appeals?
With a population of 19,166, St. Marys has plenty of recent sales to draw from. 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. Focus on per-square-foot price comparisons and adjust for differences in lot size, condition, and amenities. For the full evidence strategy, exemption details, and step-by-step filing instructions, see our Camden County Property Tax Guide.
How much can you save in St. Marys?
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 value freeze.
At 4.09% of household income, even a modest reduction in your assessed value makes a real difference in your annual budget.
File your appeal through Camden County
Property tax appeals in St. Marys are filed with the Camden County Board of Assessors. You have 45 days from the date of your assessment notice to submit a PT-311A form.
Camden County Board of Assessors: 200 East 4th St., Woodbine, GA 31569 | 912-576-3241 For the full appeal process and deadline details, see our Camden County Property Tax Guide.
Based on 2024 American Community Survey estimates and Camden County millage rates.
Frequently Asked Questions
Is my St. Marys property tax too high?
The median annual property tax bill in St. Marys is $3,038. Using Camden County's millage rate of 2.960%, the computed tax on the median home ($312,300) is approximately $3,697. If your assessed value is higher than what your home would actually sell for, you are overpaying.
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.
How much of my income goes to property taxes in St. Marys?
At the median, St. Marys homeowners pay 4.09% of their household income ($74,288/year) in property taxes. That is a significant burden -- a successful appeal directly increases your take-home.
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 do St. Marys property taxes compare to Kingsland?
St. Marys's median home value of $312,300 is higher than Kingsland's $251,400. Higher values mean a larger tax bill and a bigger payoff from a successful appeal.
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.
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.