Saint Augustine Beach, Florida.
Typical home $591,835 (+1.1% in a year), asking rent $2,392 (-5.4%). Jacksonville, FL metro.
to buy the typical home at today's mortgage rate — +$1,661 (+115%) since Jan 2020.
- 1 year
- Up $6,403 +1%
- $585,431$591,835 since Sep 2025
- 5 years
- Up $79,587 +16%
- $512,248$591,835 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Saint Augustine Beach$3,106
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 24 years.
Typical home values in Saint Augustine Beach, FL rose 1.1% over the past year — in step with the nation.
Asking rents in Saint Augustine Beach, FL fell 5.4% over the past year — slower than the nation's +2.7%.
Owning the typical home in Saint Augustine Beach runs $1,723/mo more than renting one. The gap peaked at $1,851 in Jan 2025.
That is $4,115 a month against $2,392 rent: a $3,106 mortgage payment, plus $375 property tax and $634 insurance & upkeep.
Owning vs renting — Saint Augustine Beach
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$4,115
- Renting$2,392
- Mortgage only$3,106
Property tax · $375/mo 0.76% of value a year — the ACS 2020-2024 median bill over the median home value for Saint Johns County, FL
Insurance & upkeep · $634/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Saint Augustine Beach, St. Johns County, Florida
Saint Augustine Beach is a city of 6,803 people in St. Johns County. Half its households earn more than $100,802 a year and half less, against $109,839 across St. Johns County; 8% of its people live below the poverty line. 74% of its homes are lived in by their owners and 26% are rented. Unemployment in St. Johns County was 4.7% in August 2026, and the county had 2.2% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Saint Augustine Beach is a small coastal city, and its residents are older than in most American towns. Most homes are lived in by their owners, and typical home values are well above what is common across the country, while rents are high as well. Household incomes run a little below the county's, and most adults have a four-year degree.
Work. Residents work mainly in schools, hospitals and social care, with many others in professional and business services, restaurants, hotels and entertainment, and banks, insurance and property. Across St. Johns County, the largest workplaces include Flagler Hospital, the county school district and Northrop Grumman Systems. Commutes are moderate, and a good number of people work from home.
Things to do. Anastasia Island has the beach, and Anastasia State Park, a protected area, sits in or beside town. A short drive away is Castillo de San Marcos, the old fort in St. Augustine. The St. Augustine Alligator Farm Zoological Park is also in or beside town. Winters are mild and summers hot, with little or no snow and plenty of rain through the year.
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- 3,133households
- 56%of adults have a degree
- 8%below the poverty line
- 24 mintypical commute
- 27%work from home
What residents work in
Employed residents by industry, from the Census survey. St. Johns County had 100,949 jobs in 2025, 2.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 68° and lows near 48°; warmest in July, with highs near 91° and lows near 74°. About 51 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the St. Augustine Lighthouse weather station, 3 miles away (NOAA).
Largest employers in St. Johns County
- St. Johns County School District6,438
- Flagler Hospital/UF Health St. Johns1,564
- St. Johns County BOCC1,527
- Northrop Grumman1,100
- PGA Tour, Inc.964
- Florida National Guard900
- St. Johns County Sheriff's Office816
- Florida School for the Deaf & Blind689
From St Johns County’s annual financial report for 2025, its schedule of principal employers (its source: “St Johns County Chamber of Commerce and St”), as Florida’s Auditor General publishes it: the report. Employees as the report counts them.
Natural hazards
- Hurricanesrelatively high in parts of Saint Augustine BeachRelatively moderate
- Lightningrelatively high in parts of Saint Augustine BeachRelatively moderate
- Tornadoesrelatively high in parts of Saint Augustine BeachRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Saint Augustine Beach’s census tracts, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on St. Johns County and the Jacksonville, FL metro.
Saint Augustine Beach home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Saint Augustine Beach$591,835
- Florida$375,361
- United States$366,157
Sellers are cutting prices on about 1 in 5 Saint Augustine Beach listings — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Saint Augustine Beach20.39%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Saint Augustine Beach111
New listings per month
Sellers arriving at the market.
- Saint Augustine Beach18
Zip codes with a Saint Augustine Beach address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Saint Augustine Beach — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.