St. Michaels, MD population, income and ZIP codes

St. Michaels town is a small town in Maryland, with 1,381 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #306 of 536 ranked by population — larger than 42% of them. The median age here is 49.8 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in St. Michaels town earn a median of $73,831 a year, 6% below the national figure of $78,538 and 32% below the $109,026 median for the 332 Maryland cities we cover. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 5.1% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in St. Michaels town is valued at $530,200, 74.8% above the national figure and 33% above the $397,200 peer median, while median gross rent runs $946 a month, 32.7% below the national figure, or roughly $11,352 across a full year. A household on the local median income would put about 15.4% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 7.2×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 70.4% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Home values sit at 7.2× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.