St. Mary's County, MD

County Profile

115,126 residents. Safety, jobs, income, housing cost, climate and natural-hazard risk for St. Mary's County, MD.

Several figures AreaProfile publishes are measured by county and nowhere finer — death rates by intent among them. On this page those describe the geography they are printed on, which is not true of the city and ZIP pages that inherit them.

71out of 100
Area Score
Top 19% of 1,225 published profiles

How we calculate this

How this area ranks
OpportunityTop 30% of 1,255 counties65
SchoolsTop 41% of 973 counties58
Growth943rd of 1,226 counties35
Housing affordabilityTop 42% of 1,255 counties95
ClimateTop 11% of 1,254 counties78
Physical resilienceTop 6% of 1,255 counties92
Access1015th of 1,255 counties63
Economic stabilityTop 11% of 1,255 counties88
The quick read

Unemployment is 3.5% and median household income $119,446, putting employment conditions in the middle range of published profiles.

Residential permitting has slowed: 228 units authorized over the past twelve months, 17% below the prior year.

Natural-hazard exposure is lower than in most comparable published profiles, placing St. Mary's County in the top 6% for physical resilience.

At a glance

Population
115,126
2024 ACS 5-Year
Median household income
$119,446
Top 2% nationally
Density
321/sq mi
358.6 sq mi of land
Median age
37.2
2024 ACS 5-Year
County
St. Mary's County
Maryland
Metro area
Lexington Park, MD
Nearest major airport
RIC
66 mi · Richmond Intl
Median home value
$407,600
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 3.5% is lower than 79% of the 1,255 measured US locations.

Employment fell 1.9% over the past year, to 56,404 employed residents.

36% of adults hold a four-year degree, higher than 87% of measured US locations.

Household income is higher than at least 98% of measured US locations.

MetricValueCompared with peersSource period
Median household income ±$4,480$119,446Top 2%2024 ACS 5-Year
Per capita income ±$1,686$53,417Top 5%2024 ACS 5-Year
Poverty rate8.0%Bottom 11%2024 ACS 5-Year
Average commute31.5 minTop 17%2024 ACS 5-Year
Bachelor's degree or higher36.5%Top 13%2024 ACS 5-Year
Employment56,404Top 41%June 2026
Employment change (3 years)-1.6%Bottom 26%June 2026
Employment change (year over year)-1.9%Bottom 23%June 2026
Labor force58,468Top 41%June 2026
Labor force participation68.5%Top 6%2024 ACS 5-Year
Unemployment change (year over year)-0.1%Bottom 39%June 2026
Unemployment rate3.5%Bottom 21%June 2026
Unemployment rate
2021/062022/032022/122023/092024/062025/032025/102026/064.81.9
Monthly unemployment rate from the Bureau of Labor Statistics, most recent value 3.5% in June 2026. A break in the line is a month the Bureau of Labor Statistics did not publish for this area — it is left empty rather than estimated.
Median household income, successive ACS releases
2021202220232024119k103k
Each point is a separate five-year estimate, most recently $119,446 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Lexington Park, MD
OccupationPeople employedMedian annual wage
Retail Salespersons2,250$34,360
Business Operations Specialists, All Other2,180$136,660
General and Operations Managers1,990$106,250
Fast Food and Counter Workers1,770$32,240
Cashiers1,560$33,180
Logisticians1,350$131,600

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

18% of students met the state standard in mathematics and 27% in reading, across the schools here that reported results.

There are 16.6 students for every full-time teacher, more than in most measured places.

Public schools
27
2024-25 school year
Students per teacher
16.6
across all schools here
Math proficiency
18.2%
Top 29% in Maryland
Reading proficiency
27.4%
Top 41% in Maryland
SchoolDistrictStudentsPer teacherMathReading
Leonardtown HighSt. Mary's County Public Schools2,11822.3
Great Mills HighSt. Mary's County Public Schools1,69719.3
Chopticon HighSt. Mary's County Public Schools1,52619.6
Leonardtown MiddleSt. Mary's County Public Schools96917.310%40%
Spring Ridge MiddleSt. Mary's County Public Schools91315.012%27%
Margaret Brent MiddleSt. Mary's County Public Schools87816.67%25%
Esperanza MiddleSt. Mary's County Public Schools83515.812%37%
Evergreen Elementary SchoolSt. Mary's County Public Schools71517.030%32%
Park Hall ElementarySt. Mary's County Public Schools56915.011%17%
Benjamin Banneker ElementarySt. Mary's County Public Schools54313.925%25%
Chesapeake Charter School · charterSt. Mary's County Public Schools53914.227%48%
Captain Walter Francis Duke ElementarySt. Mary's County Public Schools51615.230%34%

40.9% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Maryland’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,747 takes 18% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.4 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
17.6%
Below the 30% cost-burdened threshold
Home price to income
3.4×
median home value ÷ median income
Median gross rent
$1,747
2024 ACS 5-Year
Median home value
$407,600
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income3.41Top 34%2024 ACS 5-Year
Homeownership rate73.2%Bottom 43%2024 ACS 5-Year
Housing units ±5646,385Top 19%2024 ACS 5-Year
Median gross rent ±$60$1,747Top 4%2024 ACS 5-Year
Median home value ±$8,365$407,600Top 9%2024 ACS 5-Year
Rent as a share of income17.6%Top 43%2024 ACS 5-Year
Vacancy rate8.5%Bottom 22%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
35/ 100
Ranks 943 of 1,226 published city profiles
Permitting is increasing, measured from 2020 to 2025.

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

Population has grown 2% since 2020, reaching 116,469 in 2024.

Permitting has turned upward after moving the other way the year before.

New construction is predominantly single-family: only 13% of permitted units are in buildings of five or more homes.

At 2.0 permitted units per 1,000 residents, building activity is below the median for measured US locations.

Units permitted
228
12 months ending July 2026
Per 1,000 residents
2.0
Bottom 35% nationally
Year over year
−17%
vs the prior twelve months
Multifamily share
13.2%
units in 5+ unit buildings
Population, annual estimates
20202021202220232024116k114k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population.
Housing units permitted per year
202020212022202320242025950238
Annual totals from the Census Building Permits Survey. Permitting in 2025 was lower than 2020 (−70%).

Weather & climate

7 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 87°F and January a low of 30°F.

Normal annual precipitation is 46.3 inches.

20°40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station ST INIGOES WEBSTER NOLF, 8.0 miles from this location.
Precipitation
JFMAMJJASOND4.8"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation46.3"1991-2020 Normals
Average January low30°F1991-2020 Normals
Average July high87°F1991-2020 Normals
Comfortable months71991-2020 Normals
Seasonal temperature swing41°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

92 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are hurricane, strong wind and coastal flooding.

HurricaneElevated
DroughtElevated
Strong windElevated
Coastal floodingElevated
LightningModerate
LandslideModerate
Cold waveModerate

Low or minimal exposure: heat wave, wildfire, winter weather, earthquake, ice storm, tornado, inland flooding, hail.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA National Risk Index county record. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

St. Mary's County records 2.6 homicide deaths per 100,000 residents a year, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 10.4 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 14.7 per 100,000 residents in St. Mary's County.

Homicide
2.6
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
10.4
per 100,000 residents
Drug overdose
14.7
per 100,000 residents
Suicide
13.9
per 100,000 residents

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for St. Mary's County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around St. Mary's County rather than St. Mary's County itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

4 major airports lie within 100 miles, the nearest 66 miles away.

AirportCodeDistanceLongest runway
Richmond IntlRIC66 mi9,003 ft
Baltimore/Washington Intl Thurgood MarshallBWI66 mi10,503 ft
Washington Dulles IntlIAD71 mi11,500 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
71
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.