What is the cost of living in St. Simons, GA?
According to the most recent data on the cost of living, St. Simons has an overall cost of living index of 126, which is 1.3x higher than the national index of 100.
Compared to Georgia, St. Simons has a cost of living index that's 1.3x higher than Georgia's index of 95.
The standard of living in St. Simons ranks as #144 most affordable out of the 157 places we measured in Georgia. By definition, that implies St. Simons ranks as the #13 most expensive place in the Peach State.
For more reading on life in St. Simons, check out:
St. Simons Cost Of Living Vs. Georgia
Six factors go into calculating the cost of living index in St. Simons. Here is how it fares on each of the criteria:
The Services index in St. Simons is 101.
The Groceries index in St. Simons is 101.
The Health index in St. Simons is 184.
The Housing index in St. Simons is 101.
The Transportation index in St. Simons is 106.
The Utilities index in St. Simons is 97.
| Living Expense | St. Simons | Georgia | National Average |
|---|---|---|---|
| Overall | 126 | 95 | 100 |
| Services | 101 | 97 | 100 |
| Groceries | 101 | 99 | 100 |
| Health | 184 | 88 | 100 |
| Housing | 101 | 101 | 100 |
| Transportation | 106 | 104 | 100 |
| Utilities | 97 | 101 | 100 |
St. Simons Cost Of Living Compared To Georgia Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Georgia, check out:
Protect your home budget Compare home warranties in St. Simons Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
St. Simons, GA Housing Cost Breakdown
Housing swings affordability the most between places in Georgia, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in St. Simons is $608,290.
The Median Rent in St. Simons is $1,799.
The Median Income in St. Simons is $108,771.
The Home Value To Income in St. Simons is 5.6x.
The Rent To Monthly Income in St. Simons is 0.2x.
| Statistic | St. Simons | Georgia | United States |
|---|---|---|---|
| Median Home Value | $608,290 | $332,063 | $332,700 |
| Median Rent | $1,799 | $1,393 | $1,413 |
| Median Income | $108,771 | $77,353 | $80,734 |
| Home Value To Income | 5.6x | 4.3x | 4.1x |
| Rent To Monthly Income | 0.2x | 0.22x | 0.21x |
St. Simons, GA Costs By Category
Detailed St. Simons Services costs vs. Georgia
| Item | St. Simons | Georgia |
|---|---|---|
| Shampoo | $1.43 | $1.28 |
| Movie | $12.86 | $12.13 |
| Bowling | $20.93 | $18 |
| Haircut | $20.91 | $24.26 |
| Beauty Salon | $70.33 | $45.56 |
Detailed St. Simons Groceries costs vs. Georgia
| Item | St. Simons | Georgia |
|---|---|---|
| Ground Beef | $5.34 | $5.84 |
| Fried Chicken | $1.47 | $1.57 |
| Milk | $4.57 | $4.67 |
| Potatoes | $5.44 | $4.93 |
| Pizza | $10.39 | $12.09 |
| Beer | $11.31 | $10.41 |
| Toothpaste | $3.69 | $3.7 |
Detailed St. Simons Health costs vs. Georgia
| Item | St. Simons | Georgia |
|---|---|---|
| Optometrist | $86.6 | $125.68 |
| Doctor | $100.93 | $135.78 |
| Dentist | $102.03 | $113.29 |
Detailed St. Simons Transportation costs vs. Georgia
| Item | St. Simons | Georgia |
|---|---|---|
| Gasoline | $3.44 | $3.46 |
| Tire Balancing | $34.43 | $59.92 |
Detailed St. Simons Utilities costs vs. Georgia
| Item | St. Simons | Georgia |
|---|---|---|
| All Electricity | $193.67 | $193.99 |
| Phone | $194.82 | $192.25 |
St. Simons SnackAbility
Cost Of Living In Cities Around St. Simons
The cost of living varies in the cities and towns around St. Simons. Here's a quick look at the cost of living in the most populous nearby places:
Hinesville, GA has a cost of living index of 93, 0.7x St. Simons.
Kingsland, GA has a cost of living index of 103, 0.8x St. Simons.
St. Marys, GA has a cost of living index of 109, 0.9x St. Simons.
| City | Population | Cost Of Living | Vs. St. Simons |
|---|---|---|---|
| Hinesville, GA | 35,679 | 93 | 0.7x |
| Kingsland, GA | 19,627 | 103 | 0.8x |
| St. Marys, GA | 19,166 | 109 | 0.9x |
| Yulee, FL | 16,648 | 112 | 0.9x |
| Brunswick, GA | 15,307 | 90 | 0.7x |
| Fernandina Beach, FL | 13,420 | 126 | 1.0x |
| Jesup, GA | 9,942 | 88 | 0.7x |
| Country Club Estates, GA | 8,780 | 93 | 0.7x |
| Dock Junction, GA | 8,147 | 90 | 0.7x |
