Median Income
$60,833
19% lower than US avg
Home Value
$177,600
37% lower than US avg
Violent Crime
177/100K
53% lower than US avg
Bachelor's+
21.9%
35% lower than US avg
Obesity Rate
34.5%
7% higher than US avg
Unemployment
2.5%
31% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How St. Mary Compares to the U.S. Average (100% = U.S. avg)
People
Population210
Median Age28.3 yrs
Density269/mi²
Male / Female51% / 49%
Largest GroupWhite 93%
Veterans1.9%
Economy
A
Median Income$60,833
Per Capita$24,850
Unemployment2.5%
Poverty0.0%
County GDP$1,276M
Commute19 min
Housing
A+
Home Value$177,600
Ownership83.3%
Zillow$235,817
Housing Units68
Rent Burden28.9%
Crime
F
Violent177/100K
Property1,822/100K
Health
Obesity34.5%
Smoking23.3%
Heart Disease7.0%
Climate
Avg Temp57°F (14°C)
AQI41 (Good)
Rain51.6 in/yr
Sunny Days299/yr
Elevation753 ft (230 m)
Education
C+
Bachelor's+21.9%
High School+92.2%
Graduate+6.1%
School Score5.86
Community
2024 VoteR 71% / D 28%
Commute19 min
Broadband72.0%
EV Stations2
Libraries2
Is St. Mary a Good Place to Live?
Based on current data, St. Mary receives an overall livability score of 3.2 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. St. Mary offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in St. Mary is $60,833, 19% below the national average of $75,149. The job market is very strong with unemployment at just 2.5%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 19 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in St. Mary is $177,600, 37% below the national median / offering relatively affordable homeownership. At just 2.9x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in St. Mary is below the national average at 177 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,822 per 100,000, near the national average.
Education
21.9% of residents hold a bachelor's degree, below the national average of 33.7%. 92.2% have completed high school. Area schools have an average test score of 5.9/10.
Climate & Weather
St. Mary enjoys a moderate climate with an average annual temperature of 57°F. Winters average 35°F in January while summers reach 77°F in July. With 299 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 51.6 inches, including 11.9 inches of snow. Air quality is rated Good with a median AQI of 41.
St. Mary has a population of 210 with a density of 269 people per square mile, spread across 0.9 square miles. The median age is 28.3 years, 27% younger than the national median of 38.9. The gender split is 49% female and 51% male. The city is predominantly White (93.3%), with 1.4% Hispanic. English is the primary language spoken at home by 98.9% of residents. 1.9% of the population are veterans, below the national rate of 6.0%. 27.2% of residents have a disability (above the 13.0% national average). 100.0% have health insurance coverage.
Population
28.3yrs
Median Age
27% below US avg
Language Spoken at Home
English Only
98.9%
26% above US avg
Spanish
1.1%
92% below US avg
The median household income in St. Mary is $60,833, which is 19% below the national average of $75,149. Per capita income is $24,850 (below the $39,052 national figure). The average weekly wage is $964, 33% lower than the U.S. average. The unemployment rate is 2.5% (below the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 534 business establishments, including 28 restaurants. The cost of living index is 90.2, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 19 minutes (shorter than the 28-minute US average). 3.2% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $60,833 |
| 19% below US avg |
| Per Capita Income | $24,850 |
| Avg Weekly Wage | $964 |
| IRS Avg AGI | $56,465 |
| Gini Index | 0.418 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.5% |
| 31% below US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 534 |
| County GDP | $1,276M |
Business (County)
| Restaurants | 28 |
| Healthcare | 47 |
| Retail | 63 |
| Manufacturing | 34 |
Tax & Cost of Living
| Property Tax (IRS) | $2,531 |
| 28% below US avg |
| Cost of Living | 90.20 (100=avg) |
| Effective Tax Rate | 1.43% |
Commute & Transportation
| Commute Time | 19.0 min |
| Drive Alone | 93.6% |
| Public Transit | 0.0% |
| Work from Home | 3.2% |
The median home value in St. Mary is $177,600, 37% below the national median of $281,900. Zillow estimates the typical home value at $235,817, higher than the Census estimate. Fair market rent ranges from $794 for a one-bedroom to $984 for a two-bedroom apartment. 83.3% of housing units are owner-occupied (above the 65.4% national rate). There are 68 total housing units in the city. The median year a home was built is 1999. The average annual property tax is $2,531 (lower than the $3,500 national average). 28.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.9x, well within the affordable range.
Home Values
| Census Median | $177,600 |
| 37% below US avg |
| Zillow ZHVI | $235,817 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $719 |
| 1 Bedroom | $794 |
| 2 Bedrooms | $984 |
| 3 Bedrooms | $1,277 |
| 4 Bedrooms | $1,442 |
Ownership & Property
| Homeownership | 83.3% |
| Owner-Occupied | 83.3% |
| Renter-Occupied | 16.7% |
| Housing Units | 68 |
| Median Year Built | 1999 |
Property Tax
| Avg Tax (IRS) | $2,531 |
| 28% below US avg |
| Effective Rate | 1.43% |
In St. Mary, 34.5% of adults are obese, above the national rate of 32.1%. 11.5% have diabetes. Heart disease affects 7.0% of residents, above the national average. 38.0% have high blood pressure. 23.3% are current smokers (above the 14.0% national rate). 18.6% report binge drinking. 33.1% are physically inactive, above the national average. 14.9% experience frequent mental distress. The primary care physician ratio is 1:1,973. The dentist ratio is 1:3,296. 47.1% of residents have access to exercise opportunities. The food environment index is 6.8 out of 10.
Health Metrics: St. Mary vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.5% |
| 7% above US avg |
| Diabetes | 11.5% |
| Heart Disease | 7.0% |
| High Blood Pressure | 38.0% |
| Asthma | 10.8% |
| COPD | 9.3% |
| Cancer | 6.4% |
| Kidney Disease | 3.2% |
| Stroke | 3.6% |
Behaviors & Mental Health
| Smoking | 23.3% |
| 66% above US avg |
| Binge Drinking | 18.6% |
| Physical Inactivity | 33.1% |
| Mental Distress | 14.9% |
| Physical Distress | 15.1% |
| Short Sleep | 38.0% |
Healthcare Access
| Insurance Rate | 100.0% |
| |
| Primary Care | 1:1,973 |
| Dentists | 1:3,296 |
| Mental Health | 1:472 |
| Checkup Rate | 75.3% |
| Dental Visits | 62.7% |
| Premature Death | 12,581/100K |
Food & Exercise
| Food Environment | 6.8/10 |
| Exercise Access | 47.1% |
| Healthcare Facilities | 47 |
St. Mary has a violent crime rate of 177 per 100,000 residents, 53% below the national average of 380. Property crime stands at 1,822 per 100,000, 7% below the U.S. average. The county recorded 6 fatal traffic crashes. Overall, St. Mary receives a safety grade of F.
Crime Rates: St. Mary vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 176.9/100K |
| 53% below US avg |
| |
Property Crime
| Total Property | 1,822.0/100K |
| 7% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 6 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
St. Mary enjoys a temperate climate with an average annual temperature of 57°F (14°C). Winters average 35°F in January while summers reach 77°F in July. The area gets 299 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 51.6 inches (wetter than the 38-inch national average). The area receives 11.9 inches of snow annually. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 753 feet.
Temperature
35°F Jan (2°C)
77°F Jul (25°C)
| Annual Average | 56.8°F |
| 5% above US avg |
| January Average | 35°F (2°C) |
| July Average | 77°F (25°C) |
| Sunny Days | 299 days/yr |
Geography
| Elevation | 753 ft (230 m) |
| Area | 0.9 sq mi (2.2 km²) |
| Population Density | 269/sq mi |
| Coordinates | 37.5825°N, 85.3415°W |
| Timezone | America/New_York |
| County | Marion County County |
| Nearest Airport | Louisville Muhammad Ali International (SDF)
46 miles away |
Precipitation & Snow
Annual Rainfall
51.6"
36% above US avg
Wettest Month (May)
5.12"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 30.2 / 100 |
| Social Vulnerability | 51.6 / 100 |
| Community Resilience | 61.6 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Very Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
17 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.9. Most recent: M2.8 on May 11, 2025.
| Jan 24, 1990 |
6 km WNW of Alton, Indiana |
M3.9 |
118 km |
| Jan 27, 1990 |
6 km N of Alton, Indiana |
M3.8 |
117 km |
| Sep 17, 2004 |
8 km ESE of Corbin, Kentucky |
M3.7 |
139 km |
| Jan 27, 2009 |
4 km NE of Williamsburg, Kentucky |
M3.2 |
140 km |
| Aug 20, 2015 |
6 km SE of Lawrenceburg, Kentucky |
M2.8 |
64 km |
| Mar 8, 2015 |
1 km SE of Pleasant View, Kentucky |
M2.8 |
149 km |
| May 11, 2025 |
11 km SE of High Bridge, Kentucky |
M2.8 |
67 km |
| Mar 9, 1990 |
8 km ENE of New Amsterdam, Indiana |
M2.7 |
97 km |
| Mar 21, 1990 |
1 km W of Spring Mill, Kentucky |
M2.7 |
68 km |
| Jan 12, 2023 |
4 km E of Burgin, Kentucky |
M2.6 |
58 km |
| Aug 4, 2023 |
11 km ENE of Lancaster, Kentucky |
M2.6 |
77 km |
| May 11, 2019 |
5 km ENE of Pleasant View, Kentucky |
M2.6 |
150 km |
| Jan 29, 1990 |
11 km S of Paoli, Indiana |
M2.6 |
138 km |
| Mar 22, 1990 |
9 km E of Rochester, Kentucky |
M2.6 |
135 km |
| Jan 21, 2018 |
8 km SSE of High Bridge, Kentucky |
M2.6 |
63 km |
| Mar 8, 1990 |
4 km SW of Oak Grove, Kentucky |
M2.5 |
131 km |
| Jan 4, 1999 |
9 km WNW of Mount Sterling, Kentucky |
M2.5 |
127 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
442 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 36 fatalities, 1,204 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 28, 1996 |
EF4 |
73 km |
0 |
| Apr 3, 1974 |
EF4 |
42 km |
0 |
| Apr 3, 1974 |
EF4 |
76 km |
7 |
| Apr 3, 1974 |
EF4 |
78 km |
3 |
| Apr 3, 1974 |
EF4 |
57 km |
4 |
| Apr 3, 1974 |
EF4 |
52 km |
3 |
| Apr 27, 1971 |
EF4 |
49 km |
6 |
| Apr 27, 1971 |
EF4 |
61 km |
2 |
| Dec 11, 2021 |
EF3 |
21 km |
1 |
| Feb 28, 2011 |
EF3 |
87 km |
0 |
| May 8, 2009 |
EF3 |
77 km |
2 |
| May 27, 2004 |
EF3 |
90 km |
0 |
| May 23, 2000 |
EF3 |
85 km |
0 |
| Apr 16, 1998 |
EF3 |
52 km |
0 |
| Mar 28, 1997 |
EF3 |
42 km |
0 |
| Mar 28, 1997 |
EF3 |
56 km |
1 |
| Mar 28, 1997 |
EF3 |
85 km |
0 |
| Jun 2, 1990 |
EF3 |
92 km |
0 |
| Apr 20, 1986 |
EF3 |
84 km |
0 |
| Mar 31, 1979 |
EF3 |
90 km |
1 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
18 wildfires (100+ acres) within 100 km.
Largest: CUT GAP (2,504 ac, 2022).
| Year |
Name |
Acres |
Distance |
| 2022 |
CUT GAP |
2,504 |
100 km |
| 2010 |
FLOATING MILL HOLLOW |
2,422 |
78 km |
| 2008 |
BROOKS KNOB |
2,225 |
88 km |
| 2012 |
FY2012 CRYSTAL CAVE BROADCAST BURN |
2,221 |
76 km |
| 2010 |
JOPPA CHURCH |
2,037 |
83 km |
| 2004 |
JIM LEE |
1,770 |
82 km |
| 1987 |
UNNAMED |
1,679 |
99 km |
| 2009 |
TEMPLE HILL |
1,628 |
87 km |
| 2009 |
JIM LEE |
1,613 |
82 km |
| 2007 |
Big Woods |
1,500 |
74 km |
| 2008 |
GOBLIN KNOB |
1,445 |
76 km |
| 2000 |
UNNAMED |
1,083 |
77 km |
| 1987 |
UNNAMED |
940 |
98 km |
| 2001 |
UNNAMED |
848 |
84 km |
| 2017 |
MIZE 2 |
841 |
100 km |
| 2007 |
DENNISON FERRY RX |
655 |
74 km |
| 2000 |
UNNAMED |
641 |
90 km |
| 2005 |
UNNAMED |
576 |
76 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
35°F (2°C) |
3.5 in |
Coldest |
| February |
38°F (3°C) |
3.9 in |
|
| March |
47°F (8°C) |
4.8 in |
|
| April |
56°F (13°C) |
4.5 in |
|
| May |
64°F (18°C) |
5.1 in |
Wettest |
| June |
72°F (22°C) |
4.1 in |
|
| July |
77°F (25°C) |
5.0 in |
Warmest |
| August |
75°F (24°C) |
3.8 in |
|
| September |
69°F (20°C) |
3.9 in |
|
| October |
57°F (14°C) |
3.0 in |
Driest |
| November |
47°F (8°C) |
4.1 in |
|
| December |
38°F (3°C) |
4.6 in |
|
St. Mary has a seasonal temperature swing of 42°F / from 35°F in January to 77°F in July. Total annual precipitation is 50.4 inches, with May being the wettest month (5.1") and October the driest (3.0").
Average costs for common services in St. Mary. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$226 ($135–$361) |
| Specialist Visit |
$316 ($180–$496) |
| Urgent Care Visit |
$180 ($90–$316) |
| Emergency Room Visit |
$1,984 ($722–$4,510) |
| Dental Cleaning |
$117 ($68–$180) |
| Dental Filling |
$226 ($135–$361) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$68) |
| Oil Change (Synthetic) |
$68 ($45–$108) |
| Brake Pad Replacement |
$271 ($135–$451) |
| Tire Rotation |
$36 ($18–$68) |
| New Tires (Set of 4) |
$541 ($361–$902) |
| Battery Replacement |
$180 ($90–$316) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$90 ($54–$135) |
| Electrician (Per Hour) |
$81 ($45–$126) |
| HVAC Repair |
$361 ($135–$722) |
| HVAC System Install |
$6,314 ($3,608–$10,824) |
| Roof Repair |
$902 ($361–$1,804) |
| Roof Replacement |
$8,118 ($4,961–$13,530) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,353 ($451–$3,157) |
| Divorce (Contested) |
$13,530 ($4,510–$27,060) |
| DUI Defense |
$4,510 ($1,804–$9,020) |
| Bankruptcy (Chapter 7) |
$1,353 ($722–$2,706) |
| Will Preparation |
$451 ($180–$902) |
| Trust Preparation |
$2,255 ($902–$4,510) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$50 ($27–$90) |
| Hair Coloring (Full) |
$135 ($68–$226) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$36 ($23–$59) |
| Massage (1 Hour) |
$72 ($45–$117) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.70 ($2.71–$4.96) |
| Dozen Eggs (per dozen) |
$3.16 ($2.26–$4.51) |
| Loaf of Bread |
$3.43 ($2.26–$4.96) |
| Chicken Breast (per lb) |
$4.06 ($2.71–$5.86) |
| Ground Beef (per lb) |
$4.96 ($3.61–$6.77) |
| Rice (per lb) |
$0.90 ($0.54–$1.62) |
View all 20 services
Utilities
| Electricity (Monthly) |
$126 ($72–$226) |
| Natural Gas (Monthly) |
$63 ($27–$135) |
| Water/Sewer (Monthly) |
$63 ($36–$108) |
| Internet (Monthly) |
$63 ($36–$90) |
| Cell Phone Plan (Monthly) |
$59 ($27–$90) |
| Cable TV (Monthly) |
$77 ($45–$135) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$180 ($68–$451) |
| Car Insurance (Annual) |
$1,804 ($1,082–$3,157) |
| Bus Pass (Monthly) |
$63 ($27–$117) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.22–$23) |
| Car Registration (Annual) |
$90 ($27–$226) |
| Driver's License Renewal |
$27 ($14–$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,082 ($541–$2,255) |
| Daycare (Toddler, Monthly) |
$902 ($451–$1,804) |
| After-School Care (Monthly) |
$361 ($180–$631) |
| Tutoring (Per Hour) |
$45 ($23–$90) |
| SAT/ACT Prep Course |
$902 ($361–$2,255) |
| Private School (K-12, Annual) |
$11,275 ($4,510–$27,060) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27–$90) |
| Dog Vaccination (Annual) |
$90 ($45–$180) |
| Dog Grooming |
$54 ($27–$90) |
| Pet Boarding (Per Night) |
$36 ($18–$68) |
| Dog Spay/Neuter |
$271 ($135–$451) |
| Cat Spay/Neuter |
$180 ($90–$361) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $732 |
| Toddler | $644 |
| Preschool | $644 |
| Family Childcare (monthly) |
| Infant | $564 |
| Toddler | $540 |
| Preschool | $540 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About St. Mary
What is the population of St. Mary?
St. Mary has a population of 210 residents and is located in Kentucky. The population density is 269 people per square mile, spread across 0.9 square miles. The median age of residents is 28.3 years, which is younger than the national median of 38.9 years. The population is 49% female and 51% male.
Is St. Mary expensive to live in?
St. Mary is more affordable than the national average, with a cost of living index of 90.2 / below the baseline of 100. The median household income is $60,833, 19% below the national average of $75,149. The median home value is $177,600 (37% below the U.S. median). The home price-to-income ratio is 2.9x, indicating housing is reasonably affordable relative to local income levels.
Is St. Mary safe?
St. Mary is safer than the national average, with a violent crime rate of 177 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,822 per 100,000 (below the national average). Overall, St. Mary receives a safety grade of F based on combined crime data.
What is the weather like in St. Mary?
St. Mary enjoys a temperate climate with an average annual temperature of 57°F (14°C). Winter temperatures average 35°F in January, while summers reach an average of 77°F in July. The area receives 299 sunny days per year, well above the national average of 205. Annual rainfall totals 51.6 inches, with 11.9 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in St. Mary?
The job market in St. Mary is very strong, with unemployment at just 2.5% / well below the national rate of 3.6%. The average weekly wage is $964. There are 534 business establishments in the area, including 28 restaurants and food service locations. The average commute time is 19 minutes, and 3.2% of workers work from home.
How much does housing cost in St. Mary?
The median home value in St. Mary is $177,600. Zillow estimates the typical home value at $235,817. The homeownership rate is 83.3%. The average annual property tax is $2,531.
How are the schools in St. Mary?
Schools in St. Mary score 5.9 out of 10 on standardized testing, near the national average. 21.9% of adults in St. Mary hold a bachelor's degree or higher, below the national average of 33.7%. 92.2% have completed high school. 6.1% hold a graduate or professional degree.
How healthy is St. Mary?
The obesity rate in St. Mary is 34.5% (above the national rate of 32.1%). 23.3% of adults are smokers. 33.1% are physically inactive. 47.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,973.
What is transportation like in St. Mary?
The average commute in St. Mary is 19 minutes, shorter than the national average of 28 minutes. 93.6% of workers drive alone to work, and 3.2% work from home.
What are the demographics of St. Mary?
The racial and ethnic makeup of St. Mary is 93.3% White, 1% Black or African American, 1.4% Hispanic or Latino. 98.9% of residents speak only English at home. 1.9% of the population are military veterans. 27.2% of residents have a disability. 100.0% have health insurance coverage.
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