The typical owner-occupied home in Saint Marys is worth about $206,900, 5% below the Kansas median of $217,200 and 38% below the national median of $332,700. Owners pay a median $1,874 a year in property taxes, about 0.91% of their home's value, lower than the Kansas rate of 1.29%. The median household earns $76,771 a year, so the median home costs 2.7 times the median income (2.9 times for Kansas). 64% of occupied homes here are lived in by their owners, and 52% of those owners still have a mortgage.
Saint Marys at a glance
| Saint Marys | Kansas | U.S. | |
|---|---|---|---|
| Median home value | $206,900 | $217,200 | $332,700 |
| Median property tax paid per year | $1,874 | $2,798 | $3,119 |
| Property tax as a share of value | 0.91% | 1.29% | 0.94% |
| Median household income | $76,771 | $74,275 | $80,734 |
| Homes lived in by their owners | 64% | 67% | 65% |
| Owner homes with a mortgage | 52% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $1,464 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 20.5% | 19.4% | 21.0% |
| Median rent | $892 | $1,060 | $1,413 |
| Rent as a share of renters' income | 21.1% | 27.1% | 30.6% |
| Median year homes were built | 1970 | 1976 | 1980 |
| Vacant homes | 6.2% | 9.2% | 10.1% |
| Population | 2,788 | 2,947,197 | 334,922,499 |
What a typical home costs per month in Saint Marys
At this week's average 30-year rate of 7.11%, buying the median Saint Marys home of $206,900 with 20% down costs about $1,357 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,701, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $58,139 for the 20%-down payment. That payment is 21% of the median Saint Marys household income of $76,771; at that income and 20% down, the 28% guideline points to a home of about $273,000.
The median rent here is $892 a month, so owning the median home costs about $465 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $41,380 |
|---|---|
| Loan amount | $165,520 |
| Principal and interest | $1,113 |
| Property taxes (0.91% a year) | $157 |
| Homeowners insurance (our estimate, 0.5% a year) | $86 |
| PMI | $0 |
| Total per month | $1,357 |
Change the numbers in the calculator
| Down payment | $7,242 |
|---|---|
| Loan amount | $203,153 |
| Principal and interest | $1,367 |
| Property taxes (0.91% a year) | $157 |
| Homeowners insurance (our estimate, 0.5% a year) | $86 |
| FHA mortgage insurance | $92 |
| Total per month | $1,701 |
Change the numbers in the calculator
Questions about home buying in Saint Marys
What is the median home value in Saint Marys?
About $206,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Saint Marys?
Homeowners pay a median $1,874 a year, which is about 0.91% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Saint Marys?
For the median home with 20% down at 7.11%, the payment is about $1,357 a month. Keeping that under 28% of gross income takes about $58,139 a year.
More about Saint Marys
- Mortgage Refinance in Saint Marys
- Debt Relief in Saint Marys
- Home Equity Loans in Saint Marys
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data