1583 Mush Bluff Rd, St Marys
Listing courtesy of RE/MAX TRU.
912-289-7355
Real Estate Company
© 2026 Georgia MLS. All rights reserved. Information Deemed Reliable But Not Guaranteed.
Comprehensive cost-of-living, tax, and real estate comparison: St. Marys & Kingsland, GA vs. Yulee & Fernandina Beach, FL. Compare state income taxes, homestead exemptions, price-per-square-foot, and NSB Kings Bay commutes.
STATE-LINE TAX & COST COMPARISON
| Comparison Metric | Camden County, Georgia (Kingsland / St. Marys) | Nassau County, Florida (Yulee / Fernandina Beach) | The Financial Verdict |
|---|---|---|---|
| State Income Tax | 5.39% Flat Rate (Standard GA deductions) | 0.00% (No state personal income tax) | Florida saves high-income earners on state tax |
| Median Home Price | $285,000 – $325,000 | $425,000 – $550,000+ | Georgia is 30% – 40% more affordable |
| Avg. Price Per Square Foot | $145 – $165 / SqFt | $225 – $265 / SqFt | $350K buys ~2,400 sqft in GA vs. ~1,650 sqft in FL |
| Property Tax Millage | ~28 – 32 Mills (40% assessed value) | ~18 – 22 Mills (100% assessed value) | Annual taxes are roughly comparable on similar values |
| Homeowners Insurance | Moderate coastal rates (Lower hurricane risk zone) | Higher Florida property insurance & flood dynamics | Georgia insurance saves $1,200 – $2,500/year |
| NSB Kings Bay Commute | 5 – 12 Minutes (Direct gate access) | 25 – 40 Minutes (Cross-border I-95 traffic) | Georgia saves 5+ hours of weekly driving time |
RELOCATION DECISION FACTORS
Buyers seeking larger homes, bigger lots, and lower debt burdens choose Kingsland and St. Marys. Lower home acquisition costs mean lower down payments, lower monthly mortgage interest, and lower hazard insurance premiums that frequently offset Florida's income tax savings.
Buyers prioritizing 0% state income tax, proximity to Jacksonville healthcare networks, or Amelia Island beach access choose Yulee or Fernandina Beach. Florida is particularly popular for high-income earners whose state tax savings exceed the higher property prices.
Active duty military stationed at NSB Kings Bay can maintain their legal home of record (such as Florida, Texas, or another 0% income tax state) under the Servicemembers Civil Relief Act (SCRA) while buying a home in Georgia, capturing Georgia's lower home prices without paying Georgia income tax!
Both Camden County High School and Nassau County schools boast excellent academic and athletic programs. St. Marys offers historic riverfront charm and Cumberland Island National Seashore, while Nassau County offers Atlantic beachfront living.
Southern Classic Realtors • Licensed in Florida
Specializing in Nassau County, Duval County, Yulee, Amelia Island & Fernandina Beach communities.
The Georgia-Florida border region offers one of the most dynamic real estate corridors in the Southeast. Whether you choose the exceptional value, spacious lots, and quick Kings Bay gate commutes of Camden County, Georgia, or the tax structure and island lifestyle of Nassau County, Florida, our dual-state partnership ensures seamless representation on both sides of the St. Marys River.
Live MLS inventory for Camden County, GA updates every 15 minutes via live MLS connect, provided by 912BuySell.com. For Georgia home tours or cross-border consultations, call Jim Hawkins at (912) 289-7355.
Get instant property value now!
Get instant property value now!