Saint Augustine, Florida.
Typical home $432,603 (-1.2% in a year), asking rent $1,982 (+0.4%). Jacksonville, FL metro.
to buy the typical home at today's mortgage rate — +$1,203 (+113%) since Jan 2020.
- 1 year
- Down $5,040 -1%
- $437,642$432,603 since Sep 2025
- 5 years
- Up $57,144 +15%
- $375,459$432,603 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$2,271
- 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, FL fell 1.2% over the past year — slower than the nation's +1.2%.
Asking rents in Saint Augustine, FL rose 0.4% over the past year — slower than the nation's +2.7%.
Owning the typical home in Saint Augustine runs $1,026/mo more than renting one. The gap peaked at $1,373 in Oct 2023.
That is $3,008 a month against $1,982 rent: a $2,271 mortgage payment, plus $274 property tax and $463 insurance & upkeep.
Owning vs renting — Saint Augustine
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$3,008
- Renting$1,982
- Mortgage only$2,271
Property tax · $274/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 · $463/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, St. Johns County, Florida
Saint Augustine is a city of 14,329 people in St. Johns County. Half its households earn more than $78,151 a year and half less, against $109,839 across St. Johns County; 14% of its people live below the poverty line. 63% of its homes are lived in by their owners and 37% 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 shops.
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 is a small coastal city in Florida where the population skews older than most places, and a good share of adults hold a four-year degree. Incomes run well below the rest of St. Johns County, and more households live below the poverty line than you might expect nearby, though most homes are still lived in by their owners. Typical home values and rents are high, and the usual trip to work is a short one.
Work. Many residents work in schools, hospitals and social care, in shops, in restaurants and hotels, or in professional and business services. Among the largest workplaces in town are St. Johns Schools, Flagler College and Target. Jobs across St. Johns County grew over the past year, while unemployment there edged up a little.
Things to do. Castillo de San Marcos, a fort, sits in or beside town, and the Lightner Museum is also close at hand. A short drive away, Anastasia Island offers a beach, and Anastasia State Park is a protected area on the same stretch of coast. Winters are mild with little or no snow, and summers are hot, with a fair amount of rain through the year.
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- 6,529households
- 45%of adults have a degree
- 14%below the poverty line
- 20 mintypical commute
- 18%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, 2 miles away (NOAA).
Largest employers in Saint Augustine
- St. Johns County School District6,438
- UF Health St. Johns1,564
- St. Johns County1,527
- Northrop Grumman1,110
- PGA TOUR, Inc.964
- Florida NationalGuard Headquarters Office900
- St. Johns County Sheriff's Office816
- Florida School for the Deaf & Blind689
From the City of St Augustine’s annual financial report for 2025, its schedule of principal employers (its source: “https://www.sjcfl.us/county-profile/”), as Florida’s Auditor General publishes it: the report. Employees as the report counts them.
Natural hazards
- Coastal floodingRelatively high
- Hurricanesrelatively high in parts of Saint AugustineRelatively moderate
- LightningRelatively moderate
- TornadoesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Saint Augustine’s census tracts, against the rest of the country; all of them together, relatively 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 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$432,603
- Florida$375,361
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Saint Augustine listings, and the typical home goes pending in 57 days — 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 Augustine28.09%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Saint Augustine57
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Saint Augustine1,741
New listings per month
Sellers arriving at the market.
- Saint Augustine348
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Saint Augustine$424,948
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Saint Augustine96.56%
Zip codes with a Saint Augustine address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Saint Augustine — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Saint Augustine
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 32092 | Saint Augustine | 53,071 | $2,267 | $470,991 |
| 32084 | Saint Augustine | 37,291 | $1,765 | $351,620 |
| 32086 | Saint Augustine | 34,855 | $1,979 | $369,545 |
| 32095 | Saint Augustine | 21,399 | $2,031 | $503,538 |
| 32080 | Saint Augustine | 20,894 | $2,128 | $540,098 |