St. Mary's County, Maryland: commercial real estate data.
St. Mary's County, Maryland has a population of 115,126 across 357 square miles, up 2.4 percent since the 2020 census base. County output reached $10.45 bn in 2024, 2,090 establishments operate here, and the SBA record carries 68 7(a) approvals worth $44.0 m.
122 sourced county values · tier FULL · 11 sections
St. Mary's County
How many people live in St. Mary's County
- Population115,126
- Households42,436
- Average household size2.71
- Median household income$119,446
- Median age37.2
- Median gross rent$1,747 per month
- Median owner-occupied home value$407,600
- Home value to household income3.4 times
- Annual rent as a share of median income17.6 percent
- Adults 25 and over with a bachelor degree or higher36.5 percent
- Adults 25 and over with a graduate degree16.2 percent
- Adults 25 and over77,645
- Population under 1827,549
- Share under 1823.9 percent
- Population 65 and over16,144
- Share 65 and over14.0 percent
- Working age population, 18 to 6471,433
- Civilian labor force59,329
- Unemployment rate3.6 percent
- Labor force participation, adults 18 and over67.7 percent
- Rank by population among Maryland counties12th of 24
- Rank by population among US county-equivalents548th
St. Mary's County is the 12th largest of 24 Maryland counties by population. A median home costs 3.4 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.9 percent against 14.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
St. Mary's County
Is St. Mary's County growing
- Population change since the 2020 census base2.37 percent
- Census 2020 base population113,778
- Births, 20241,374
- Deaths, 20241,011
- Natural change, 2024363
- Net domestic migration, 2024416
- Net international migration, 2024214
- Total net migration, 2024630
- Cumulative net domestic migration, 2021 to 2024129
- Rank by growth among US county-equivalents1045th
The county has grown 2.37 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
St. Mary's County
Where people moving to St. Mary's County come from
- Tax returns filed by households arriving3,135
- People arriving, from those returns5,912
- Adjusted gross income arriving$226.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$72,274
- Largest single originSt. Mary's County Non-migrants (43,065 households)
- Largest single destination (43,065 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| St. Mary's County Non-migrants | 43,065 | 89,234 | $4.35 bn |
| Other flows - Different State | 1,239 | 2,315 | $88.0 m |
| Other flows - South | 639 | 1,130 | $44.6 m |
| Charles County | 536 | 980 | $38.9 m |
| Calvert County | 386 | 657 | $25.3 m |
| Prince George's County | 252 | 476 | $14.5 m |
| Other flows - Northeast | 245 | 451 | $18.6 m |
| Other flows - West | 245 | 522 | $18.2 m |
The largest single source of arrivals is St. Mary's County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
St. Mary's County
What the St. Mary's County economy runs on
- County GDP, 2024$10.45 bn
- County GDP, 2023$9.84 bn
- GDP change, 2023 to 20246.2 percent
- GDP change over five years24.7 percent
- Rank by GDP among Maryland counties9th
- Rank by GDP among US county-equivalents424th
- GDP per resident$90,735
Output grew 6.2 percent in the latest year and 24.7 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
St. Mary's County
Who employs people in St. Mary's County
- Covered employment, annual average49,113
- Establishments reporting2,185
- Average annual pay$85,381
- Average weekly wage$1,642
- Sector 54, employment11,705
- Sector 54, average annual pay$112,202
- Sector 44-45, employment4,799
- Sector 44-45, average annual pay$35,459
- Sector 62, employment4,358
- Sector 62, average annual pay$74,230
- Sector 72, employment3,677
- Sector 72, average annual pay$24,723
- Sector 23, employment2,116
- Sector 56, employment1,820
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 54 | 11,705 | 392 | $112,202 |
| Sector 44-45 | 4,799 | 282 | $35,459 |
| Sector 62 | 4,358 | 214 | $74,230 |
| Sector 72 | 3,677 | 190 | $24,723 |
| Sector 23 | 2,116 | 252 | $76,982 |
| Sector 56 | 1,820 | 118 | $81,811 |
| Sector 81 | 1,001 | 164 | $42,366 |
| Sector 48-49 | 824 | 89 | $72,379 |
The largest sector is the biggest private employer group at 11,705 jobs, 23.8 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
St. Mary's County
What businesses operate in St. Mary's County
- Establishments, all industries2,090
- Employment at those establishments32,683
- Annual payroll$2.22 bn
- Establishments per 1,000 residents18.2
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
St. Mary's County
What is being built in St. Mary's County
- Housing units authorised by permit, 2024265
- Declared construction value permitted$91.6 m
- Single family units authorised265
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$345,535
- Units authorised per 1,000 households6.2
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
St. Mary's County
How much SBA lending happens in St. Mary's County
- 7(a) approvals recorded68
- 7(a) gross approval dollars$44.0 m
- Average 7(a) approval$647,496
- Median 7(a) approval$250,000
- 10th percentile approval$25,000
- 90th percentile approval$2,093,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)682
- Jobs per approval10.0
- Distinct 7(a) lenders active25
- Distinct industries receiving approvals42
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer11.8 percent
- Loans on real estate terms8
- Loans on working capital terms, 120 months or shorter55
- Franchise loans10
- Franchise share of approvals14.7 percent
- Leading industry by approval countFull-Service Restaurants (8)
- Most active lenderNortheast Bank (10)
- 504 approvals recorded13
- 504 gross approval dollars$12.4 m
- Average 504 approval$955,692
- Median 504 approval$525,000
- Distinct CDCs active3
- 504 jobs per approval8.7
- 504 jobs per million dollars approved9.1
- Most active CDCChesapeake Business Finance Corporation (7)
- 7(a) share of SBA approvals84.0 percent
- Combined SBA approval dollars$56.5 m
The average approval of $647,496 sits well above the median of $250,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 11.8 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
St. Mary's County
Do SBA loans in St. Mary's County get paid back
- Loans with a final outcome recorded8
- Paid in full7
- Charged off1
- Status: Exempt from disclosure45
- Status: Paid in full7
- Status: Cancelled7
- Status: Committed, not yet disbursed8
- Status: Charged off1
Too few loans have reached a final outcome to publish a charge off rate. only 8 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. Mary's County
Which parts of St. Mary's County get the lending
- Places in the county with recorded lending10
- Leonardtown, approvals15
- California, approvals14
- Lexington Park, approvals11
- CHARLOTTE HALL, approvals9
- Mechanicsville, approvals8
- HOLLYWOOD, approvals3
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Leonardtown | 15 | $11,050,200 |
| California | 14 | $10,619,000 |
| Lexington Park | 11 | $3,422,000 |
| CHARLOTTE HALL | 9 | $10,712,900 |
| Mechanicsville | 8 | $2,431,200 |
| HOLLYWOOD | 3 | $928,200 |
| GREAT MILLS | 3 | $1,446,700 |
| Piney Point | 2 | $2,350,500 |
Leonardtown accounts for 15 approvals against 14 in California. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. Mary's County
How big is St. Mary's County
- Land area357 sq mi
- Rank by land area among Maryland counties16th of 24
- Width, east to west30 mi
- Height, north to south33 mi
- Geographies sharing a boundary2
- Residents per square mile of land322
- Establishments per square mile5.85
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a St. Mary's County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a St. Mary's County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population115,126
- Households42,436
- Average household size2.71
- Median household income$119,446
- Median age37.2
Common questions
St. Mary's County questions, answered from the record.
How many people live in St. Mary's County, Maryland?
115,126, in 42,436 households, ranking 12th of 24 Maryland counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is St. Mary's County growing?
The population has grown 2.37 percent since the 2020 census base. In 2024 there were 1,374 births against 1,011 deaths, with net migration of 630. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in St. Mary's County?
$119,446. The median owner-occupied home is valued at $407,600, which is 3.4 times income, and median gross rent is $1,747 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in St. Mary's County?
2,090 establishments, employing 32,683 people with an annual payroll of $2.22 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in St. Mary's County?
Average annual pay is $85,381, or $1,642 a week, across 49,113 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in St. Mary's County?
68 7(a) approvals totalling $44.0 m since FY2020, across 25 lenders, with a median approval of $250,000, plus 13 504 approvals worth $12.4 m. These are approvals recorded in the release, not loans disbursed.
What is being built in St. Mary's County?
265 housing units were authorised by permit in 2024, with a declared construction value of $91.6 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for St. Mary's County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to St. Mary's County come from?
The largest single origin is St. Mary's County Non-migrants, with 43,065 households. Arriving households report an average income of $72,274 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for St. Mary's County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for St. Mary's County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.