Rental numbers for St. Mary's County, MD
The typical home here runs -$1,439 a month at 7.78% with 25% down. 0 of 3 ZIP codes with full Zillow data in this county are cash-flow positive; the median gross yield is 6.9%.
- Gross yield
- 5.5%
- typical home, Zillow
- Median ZIP yield
- 6.9%
- 3 ZIPs with full data
- Cash flow
- -$1,439/mo
- at 7.78%, 25% down
- Typical price
- $435,000
- Zillow ZHVI, Aug 2026
- Typical rent
- $1,981/mo
- Zillow ZORI, Aug 2026
ZIP codes in St. Mary's County
22 with published figures
| 20619California | $397,000 | $2,473 | 7.5% | 4.2% | -$748 | +3.5% |
| 20634Great Mills | $369,000 | $2,111 | 6.9% | 3.6% | -$864 | n/a |
| 20687Scotland | $361,000 | $1,830* | 6.1% | 2.9% | -$1,059 | n/a |
| 20618Bushwood | $349,000 | $1,650* | 5.7% | 2.6% | -$1,113 | n/a |
| 20621Chaptico | $383,000 | $1,800* | 5.6% | 2.5% | -$1,259 | n/a |
| 20667Park Hall | $398,000 | $1,770* | 5.3% | 2.4% | -$1,367 | n/a |
| 20653Lexington Park | $390,000 | $1,730 | 5.3% | 2.3% | -$1,352 | -2.3% |
| 20659Mechanicsville | $442,000 | $1,890* | 5.1% | 2.3% | -$1,550 | n/a |
| 20609Avenue | $436,000 | $1,830* | 5.0% | 2.2% | -$1,557 | n/a |
| 20680Ridge | $451,000 | $1,830* | 4.9% | 1.8% | -$1,755 | n/a |
| 20606Abell | $462,000 | $1,830* | 4.8% | 1.6% | -$1,863 | n/a |
| 20626Coltons Point | $423,000 | $1,650* | 4.7% | 1.8% | -$1,647 | n/a |
| 20674Tall Timbers | $481,000 | $1,860* | 4.6% | 1.8% | -$1,872 | n/a |
| 20684Saint Inigoes | $477,000 | $1,830* | 4.6% | 1.5% | -$1,984 | n/a |
| 20620Callaway | $439,000 | $1,650* | 4.5% | 1.6% | -$1,780 | n/a |
| 20692Valley Lee | $485,000 | $1,820* | 4.5% | 1.7% | -$1,927 | n/a |
| 20624Clements | $492,000 | $1,830* | 4.5% | 1.7% | -$1,959 | n/a |
| 20650Leonardtown | $534,000 | $1,950* | 4.4% | 1.7% | -$2,120 | n/a |
| 20628Dameron | $510,000 | $1,830* | 4.3% | 1.9% | -$1,955 | n/a |
| 20690Tall Timbers | $520,000 | $1,860* | 4.3% | 1.2% | -$2,262 | n/a |
| 20636Hollywood | $519,000 | $1,650* | 3.8% | 1.1% | -$2,318 | n/a |
| 20630Drayden | $645,000 | $1,830* | 3.4% | 0.5% | -$3,203 | n/a |
* HUD Fair Market Rent, 2 bedroom, where Zillow publishes no rent index. Conservative.
Trends
Five years to August 2026
- Price, 12 months
- +3.0%
- Rent, 12 months
- +0.1%
- Rent minus price growth
- -2.9 pts
- Property tax
- 0.84%
- effective rate, ACS 2024
Show the numbers
| Month | Typical value | Rent |
|---|---|---|
| Aug 2021 | $373,910 | $1,606 |
| Aug 2022 | $397,876 | $1,674 |
| Aug 2023 | $403,123 | $1,758 |
| Aug 2024 | $411,987 | $1,849 |
| Aug 2025 | $422,392 | $1,978 |
| Aug 2026 | $435,173 | $1,981 |
HUD Fair Market Rent
FY2027, St. Mary's County, MD HUD Metro FMR Area
| Bedrooms | Studio | 1 bed | 2 bed | 3 bed | 4 bed |
|---|---|---|---|---|---|
| Fair Market Rent | $1,328 | $1,642 | $1,787 | $2,242 | $2,853 |
The 40th percentile gross rent for a standard unit, set by HUD each October and used for Section 8 payment standards. It runs below market rent; Zillow's index is shown above where it exists.
Supply
- Permits per 1,000 households
- 4.7
- 201 units, last 12 months
- National percentile
- 47th
- among US counties
Tools
Test a listing in St. Mary's County against today's rate.
Open the calculatorPart of the California, MD metro.
Questions
- Is St. Mary's County good for rental property?
- The typical home here runs -$1,439 a month at 7.78% with 25% down. 0 of 3 ZIP codes with full Zillow data in this county are cash-flow positive; the median gross yield is 6.9%. The figures use a typical home, 7.78% with 25% down and default costs shown on each ZIP page. They describe the market, not any one property.
- What is the property tax rate in St. Mary's County?
- About 0.84% of value, from Census ACS median taxes paid over median home value. On a $435,000 home that is about $3,655 a year.
- What is Fair Market Rent in St. Mary's County?
- HUD's FY2027 Fair Market Rent here is $1,642 for a 1-bedroom, $1,787 for a 2-bedroom and $2,242 for a 3-bedroom. Typical cash flow at today's rate is -$1,439 a month.
Sources and method
- Zillow Home Value Index (ZHVI), mid tier, smoothed and seasonally adjusted
Zillow Research. Read: 2026-08.
Typical home value by ZIP, county, metro and state, and the price trend.
- Zillow Observed Rent Index (ZORI), all homes plus multifamily, smoothed
Zillow Research. Read: 2026-08.
Typical market rent by ZIP, county and metro, and the rent trend (tier A pages).
- HUD Small Area Fair Market Rents, FY2026
US Department of Housing and Urban Development. Read: FY2026.
Rent by bedroom count for every ZIP. The rent used on tier B pages, and a reference on all pages. It is the 40th percentile gross rent, so it runs below market.
- HUD Fair Market Rents by county, FY2027
US Department of Housing and Urban Development. Read: FY2027.
County rent by bedroom count on county pages.
- American Community Survey 5-year estimates, 2020 to 2024 (B25103 median real estate taxes paid, B25077 median home value, B11001 households)
US Census Bureau. Read: 2020 to 2024.
Effective property tax rate (median taxes paid divided by median value) by ZIP code tabulation area, county and state; households for the permits ratio.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed (FRED series MORTGAGE30US)
Freddie Mac via the Federal Reserve Bank of St. Louis. Read: 2026-09-24.
The weekly 30-year rate. The site adds a disclosed investor premium to it for the loan payment.
- Building Permits Survey, county monthly files
US Census Bureau. Read: 2025-09 to 2026-08.
New housing units permitted in the last 12 months per 1,000 households, a supply-pressure signal.
Data: Zillow Research (ZHVI, ZORI), HUD, US Census Bureau, Freddie Mac. Every formula is on the methodology page.
Estimates from public data for a typical property. Not investment, tax or legal advice. Your property, financing and costs will differ.