St. Mary's County, Maryland

Income Data

+22% vs. Maryland average
$114,580
Median Household Income
$51,358
Per Capita Income

At a Glance

Median Household Income
$114,580
+22% vs. state avg
Per Capita Income
$51,358
+30% vs. national
Income-to-Housing Ratio
29.3%
income as % of home value
Rank in Maryland
#8 / 24
by median household income

How St. Mary's County Compares

St. Mary's County$114,580
Maryland Average$94,152
National Median$74,755

Detailed Income Statistics

$114,580
Median Household Income
$51,358
Per Capita Income
$390,900
Median Home Value
29.3%
Income-to-Housing Ratio

Data Story

About Household Income in St. Mary's County, Maryland

St. Mary's ranks among nation's richest

St. Mary's County's median household income of $114,580 exceeds the U.S. median of $74,755 by 53%, placing it in the nation's top 5% by household earnings. This Southern Maryland community rivals the wealthiest suburban counties nationwide.

Second-wealthiest Maryland county

St. Mary's ranks second statewide with a median income 22% above Maryland's $94,152 average, trailing only Queen Anne's County by $955. Federal employment at Naval Station Point Lookout anchors the county's strong economic performance.

Dominates Southern Maryland earnings

St. Mary's $114,580 median income far exceeds neighboring Charles and Calvert counties and surrounding regions. The presence of federal employment creates a stable, high-wage job base unavailable to most peer counties.

Housing remains comfortably affordable

St. Mary's 17.7% rent-to-income ratio sits well below the 30% affordability threshold, offering households substantial financial flexibility. A median home value of $390,900 is readily accessible for households earning this income level.

Leverage federal employment stability

St. Mary's households benefit from federal job security and generous retirement benefits—key wealth-building advantages over private-sector earners. Maximize Thrift Savings Plan contributions, invest surplus income in diversified portfolios, and consider real estate investment to compound wealth over time.

Frequently Asked Questions

What is the median household income in St. Mary's County, Maryland?
The median household income in St. Mary's County, Maryland is $114,580, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. This represents the midpoint of all household incomes in the county.
How much do people earn in St. Mary's County?
The per capita income in St. Mary's County is $51,358, which represents the average income per person across the entire county population. The median household income — which accounts for all earners in a household — is $114,580.
How does St. Mary's County compare to the Maryland average?
St. Mary's County's median household income of $114,580 is higher than the Maryland state average of $94,152. The per capita income is $51,358, compared to the state average of $46,948.
What is the per capita income in St. Mary's County, Maryland?
The per capita income in St. Mary's County, Maryland is $51,358, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. Per capita income is calculated by dividing total personal income by total population, providing an average income figure per resident.
Why is St. Mary's County income higher than the Maryland average?
St. Mary's County's median household income of $114,580 is higher than the Maryland average of $94,152. This difference of $20,428 can be attributed to factors such as local industry mix, proximity to major employment centers, educational attainment levels, and cost of living. Counties with higher incomes often have a greater concentration of professional and technical occupations.
How does St. Mary's County rank for income in Maryland?
St. Mary's County ranks #8 out of 24 counties in Maryland by median household income (1 = highest). With a median household income of $114,580 and per capita income of $51,358, it falls in the top third of counties statewide.

Income Comparison Calculator

See how your household income compares in St. Mary's County

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Your income is above the St. Mary's County median

County median: $114,580 per year

vs. County Median

+0%

vs. State Average

+22%

vs. National Median

+53%

vs. St. Mary's County MedianAbout equal
vs. Maryland Average22% above
vs. National Median53% above

Income Adequacy

Monthly income covers median rent5.6x

Your monthly income ($9,548) vs. median rent ($1,692/mo). A ratio of 3.3x or higher means rent is under 30% of income.

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Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.