St. Marys: Housing & Real Estate
Homes in St. Marys carry a median value of $149,000 (estimated market value runs 8% higher at $161,366), with median rent $762 (1.1× higher than Elk County median $707; 1.5× below Pennsylvania median $1,118). Homeownership rate: 77.6%. That's 1.2× higher than the Elk County median ($121,900); 1.6× below the Pennsylvania median ($237,023). Market is warm. Vacancy rate 7.9%. New construction makes up 2.5% of stock. A municipal building code is in effect.
- 2.2× annual income — home value vs. household income (vs Pennsylvania 2.9×).
- 16.3 years to break even renting at the median (vs Pennsylvania 18y).
- 4-BR rent is 1.8× a studio — rent gradient by unit size.
- Median rent 21% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $149,000 — 0.6× the Pennsylvania median ($237,022). Median rent $762/month. homeownership rate 77.6% — above the U.S. share of ~65%.
| Affordability · Price To Income Ratio | 2.2× |
|---|---|
| Affordability · Rent To Income Pct | 13.6% |
| Affordability · Affordable | Yes |
| Affordability · Interpretation | very affordable |
| Fair Market Rent · Studio rent | $708 |
| Fair Market Rent · One-bedroom rent | $825 |
| Fair Market Rent · Two-bedroom rent | $973 |
| Fair Market Rent · Three-bedroom rent | $1,283 |
| Fair Market Rent · Four-bedroom rent | $1,288 |
| Fair Market Rent · HUD FMR area | Elk County, PA |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $161,366 |
| Median Home Value | $149,000 (vs Pennsylvania $237,023) |
| Median Rent | $762 (vs Pennsylvania $1,118) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | warm |
|---|---|
| Housing Market · Vacancy rate | 7.9% |
| Housing Market · New construction (% of stock) | 2.5% |
| Housing Market · Price Appreciation 2Yr | 3.5% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (5)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 91.7% |
| Broadband · Broadband-capable premises | 6,622 |
| Electricity · Electricity rate (¢/kWh) | 17.77¢/kWh |
| Electricity · Customers | 5,534,580 |
| Electricity · Revenue Millions | $9,642 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 87% |
| Mobile Broadband · 5G mobile coverage | 62% |
| Mobile Home Parks Detail · County total | 1 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Charging & Mobility
| Ev Charging · Stations | 1 |
|---|---|
| Ev Charging · Public Stations | 1 |
| Ev Charging · L2 Ports | 1 |
Sources: DOE AFDC API
Other
| Homeownership Rate | 77.6% |
|---|---|
| Median Year Built | 1961 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12