Cost of Living in St. Simons, GA
Population 16,026 · Georgia · Data vintage 2023
(100 = US avg)
The median resident in St. Simons is 59 years old, well past the national midpoint, giving the city the retail and service mix of a retirement-dominant market. Household-income figures here read differently than in working-age cities: retirement and investment income weigh heavily in the totals. An unemployment rate of 2.7% points to a labor market well on the tight side of the national distribution.
Geographically, St. Simons is about 60 miles south of Savannah, the nearest large metro. Median home values run roughly 115% higher than Savannah's $225,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in St. Simons
The median home value in St. Simons is $484,100 — 59% above the national median of $305,000. Median rent runs $1,626/month, 24% higher than the national median of $1,314/month. The median household income of $105,944/year is 42% higher than the US median of $74,580. The local unemployment rate is 2.7%, below the national average of 4.8%. Georgia's top state income tax rate is 5.5% and the combined sales tax is 7.3%. The climate averages highs of 77.1°F and lows of 61.2°F. Overall, St. Simons has a cost of living index of 145 versus the US average of 100, meaning it is 45% more expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 62 | 65 | 70 | 76 | 83 | 88 | 91 | 90 | 86 | 79 | 71 | 64 |
| Low °F | 44 | 47 | 53 | 60 | 68 | 74 | 76 | 76 | 73 | 64 | 53 | 47 |
| Precip" | 3.15 | 2.78 | 3.27 | 2.82 | 2.29 | 5.76 | 4.19 | 5.79 | 6.00 | 4.70 | 1.91 | 2.75 |
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
Frequently Asked Questions
What is the cost of living in St. Simons, GA?
St. Simons has a cost index of 145 (100 = national average). It is 45% above the national average.
What is average rent in St. Simons, GA?
The median gross rent in St. Simons is $1,626 per month based on 2023 Census data.
What is the average home price in St. Simons?
The median home value in St. Simons is $484,100 according to 2023 Census ACS data.
What is the median income in St. Simons?
The median household income in St. Simons is $105,944 per year (2023 ACS 5-year estimates).
What is the sales tax in St. Simons, GA?
The combined state and local sales tax rate in St. Simons is 7.3%. The Georgia state income tax top rate is 5.5%.
Is St. Simons, GA affordable?
St. Simons is above average in cost of living, with an index of 145 — about 45% higher than the national average.
What is the weather like in St. Simons?
St. Simons has average high temperatures of 77.1°F and average lows of 61.2°F. Annual precipitation is 45.4". Data from NOAA 1991–2020 Climate Normals.
St. Simons at a Glance
- Population
- 16,026
- Median Income
- $105,944
- Home Value
- $484,100
- Median Rent
- $1,626/mo
- Unemployment
- 2.7%
- Avg High Temp
- 77.1°F
- Sales Tax
- 7.3%
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