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Saint Marys, GA
Challenging To Investors
Local STR Agent
Local STR Agent

Yes, but the allowed form and location depend on zoning. Saint Marys’ zoning ordinance does not define or specifically regulate “short-term rentals.” However, it contains analogous lodging uses:
Key implications:
Bottom line for investors:
Note: State-level Georgia laws require compliance with health/safety rules and the collection/remittance of applicable state and local sales and hotel/motel taxes for transient accommodations. See the State-level section below.
Saint Marys hosts earn a median $32,549/year with $152 ADR and 67% occupancy.
Top performers pull in $40,406+ per year.
See the full Saint Marys market breakdownZoning/land use approvals
Building and life safety
Business licensing
Tax registration and compliance
Operational compliance
Saint Marys (City level)
Camden County (County level)
Georgia (State level)
City of Saint Marys
Planning Commission
Georgia Department of Revenue
Camden County
This guide is based solely on the Saint Marys Zoning Ordinance content provided. Always verify with the City’s Building/Zoning Administrator for current requirements and interpretations.
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Saint Marys is a small coastal city in Camden County, in the southeastern corner of Georgia, situated along the St. Marys River where it meets the Atlantic. The city has a population of roughly 18,000 residents and carries the easygoing character of a historic Southern river town, with moss-draped live oaks, a walkable waterfront, and a pace shaped by the tides. Saint Marys is best known as the mainland gateway to Cumberland Island National Seashore, one of the largest and most protected barrier islands on the eastern seaboard. It lies about 35 miles north of Jacksonville, Florida, across the river from Fernandina Beach, and roughly 280 miles southeast of Atlanta, the nearest major metropolitan area in Georgia.
The marquee draw is Cumberland Island National Seashore, accessible by passenger ferry from a dock in downtown Saint Marys. The crossing takes about 45 minutes and deposits visitors on a largely undeveloped island of maritime forest, dune-lined beaches, salt marsh, and resident wild horses. The island also holds the evocative brick ruins of the Carnegie family estate, Dungeness, as well as the First African Baptist Church, one of the oldest African American congregations in the country. Cumberland's combination of natural beauty and historic sites draws visitors year-round, and the ferry departure point keeps Saint Marys firmly on the tourism map.
Just across the river in Florida, Fort Clinch State Park sits at the northern tip of Amelia Island in Fernandina Beach, only about ten minutes from downtown Saint Marys. The well-preserved brick fort, built before the Civil War, offers living-history demonstrations, rampart walks, and beachside camping, making it a popular companion stop to a Cumberland Island day trip.
A short drive north of the city, Crooked River State Park offers a quieter alternative for nature lovers, with salt marsh, tidal creek, and live-oak hammocks that are characteristic of the Georgia coast. The park has a campground, fishing pier, and trails that showcase the lowcountry landscape without the boat ride.
The historic downtown waterfront itself, with its riverfront boardwalk, small public beach, and restored nineteenth-century storefronts, gives the town a layered sense of place. Saint Marys is also home to Naval Submarine Base Kings Bay, which adds a steady, year-round population presence in addition to the seasonal tourist flow.
For short-term rental investors, Saint Marys offers a compelling mix: a walkable historic core, a strong national park draw that fills weekends and shoulder seasons, proximity to Jacksonville's airport for fly-in guests, and the natural buffer of the Georgia coast. The combination of limited lodging supply on Cumberland, steady base-driven traffic, and a setting that feels both remote and accessible makes it a quietly attractive market in the Southeast.
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