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City · 35,877 residents · St. Johns County, Florida

Fruit Cove , Florida

In Fruit Cove, a typical home is worth $484,000 and typical rent is $2,336 a month. Compared with all of St. Johns County, typical household income is 29% higher, typical rent is 22% higher, and the share of households that own their home is 5 points higher.

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  • Typical home value

    $484,000

    About the same as the county

    35% above Florida

    • Fruit Cove
    • St. Johns
    • Florida

  • Typical rent

    $2,336a month

    22% above the county

    40% above Florida

    • Fruit Cove
    • St. Johns
    • Florida

  • Typical household income

    $141,863a year

    29% above the county

    90% above Florida

    • Fruit Cove
    • St. Johns
    • Florida

  • Households that own their home

    87%

    5 points above the county

    20 points above Florida

    • Fruit Cove
    • St. Johns
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Fruit Cove is in St. Johns County. The FHA loan limit ($580,750 for a one-unit home), the fair market rents and the help on this page are those of all of St. Johns County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fruit Cove apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Bellair-Meadowbrook Terrace, the typical home value is $224,900: 54% less than in Fruit Cove ($484,000).

  2. Nearby, in Green Cove Springs, the typical rent is $1,114: 52% less than in Fruit Cove ($2,336).

  3. Fruit Cove has the 14th highest typical household income of the 480 cities in Florida with more than 5,000 people ($141,863).

  4. The typical rent in Fruit Cove is $2,336 a month, 22% more than in St. Johns County as a whole ($1,922).

  5. 87% of households in Fruit Cove own their home, against 82% in St. Johns County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Fruit Cove

What homes there are in Fruit Cove, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Fruit Cove, 9 in 10 homes are single-family detached houses; in St. Johns County, 7.

Year built

The typical year built in Fruit Cove is 2002, about the same as in St. Johns County (2004).

Homes in Fruit Cove are bigger: 90% have 3 bedrooms or more; in St. Johns County, 74%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,295 a month

St. Johns County: $2,351 a month

Without a mortgage

$750 a month

St. Johns County: $728 a month

Owners with a mortgage

72%

St. Johns County: 66%

Owning costs about the same in Fruit Cove as in St. Johns County: with a mortgage, $2,295 a month; without one, $750.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Fruit Cove rose 45%; in St. Johns County, it rose 61%.

The typical rent in Fruit Cove rose 33% over the same time; in St. Johns County, it rose 47%.

While home values in Fruit Cove changed +45% and rent +33%, the typical household income rose 32%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureFruit CoveSt. Johns CountyFloridaUnited States
Rental vacancy Unreliable estimate5.2%7.6%5.5%
Homeowner vacancy Unreliable estimate1.6%1.4%0.9%
More than one person per room Unreliable estimate1.1%3.3%3.4%
People per household 3.042.622.512.53
Drive alone 67%64%70%69%
Carpool 3%7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 29%27%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Fruit Cove are bigger: 3.04 people on average; in St. Johns County, 2.62.

To get to work, 67% of workers in Fruit Cove drive alone; in St. Johns County, 64%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Fruit Cove?

A typical home is tight for the typical income

We start with a typical home in Fruit Cove, worth $484,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Fruit Cove, which is $141,863 a year. For that payment to be 28% of income, a household would need to earn about $168,583 a year.

The calculator's FHA and conventional loan limits are those of all of St. Johns County.

Your numbers

Local data
$

Starts at the typical home value in Fruit Cove. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $16,940 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,934

at 7.18% · 30 years

Loan amount
$475,234
Total interest
$683,750
Paid off in
November 2056

Includes $8,174 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,310 a month

  • Tight

    $3,310 to $4,256 a month

    Your payment · 33%

  • Hard

    more than $4,256 a month

Compared with the typical household income in Fruit Cove ($141,863 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,934
Principal & interest$3,219
Property tax$299
Home insurance$202
FHA mortgage insurance (MIP)$214

You need at least $16,940 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Fruit Cove and St. Johns County

Fruit Cove is in St. Johns County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Fruit Cove's own numbers

Typical home value
$484,000
Typical monthly rent
$2,336
Typical yearly household income
$141,863
Households that own their home
87%
Effective property tax rate
0.74%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of St. Johns County

FHA limit, one-unit home
$580,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,694
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
2.9%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of St. Johns County.

Everything about St. Johns County

Buying

Buying a home in Fruit Cove

A typical home in Fruit Cove is worth $484,000: about the same as the county and 35% above Florida. With the typical household income in Fruit Cove ($141,863 a year), a typical home costs 3.4 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Fruit Cove 3.4 years
  • St. Johns 4.5 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Johns County

According to FHFA’s house price index, home prices in St. Johns County rose 115% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of St. Johns County.

Period County Florida U.S.
Last year (2025) +1.8% −0.5% +2.9%
5 years (2020–2025) +61% +60% +47%
10 years (2015–2025) +115% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Fruit Cove next to St. Johns County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Fruit Cove $484,000
  • St. Johns $489,200
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Fruit Cove $2,336
  • St. Johns $1,922
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Fruit Cove $141,863
  • St. Johns $109,839
  • Florida $74,568
  • United States $80,734
See the full table
Fruit Cove next to St. Johns County and Florida
Measure Fruit Cove St. Johns County Florida U.S.
Typical home value $484,000 $489,200 $359,000 $332,700
Typical monthly rent $2,336 $1,922 $1,669 $1,413
Typical yearly household income $141,863 $109,839 $74,568 $80,734
Households that own their home 87% 82% 68% 65%
Typical yearly property tax $3,561 $3,721 $2,730 $3,119
Effective property tax rate 0.74% 0.76% 0.76% 0.94%
Renters with high rent for their income 56% 60% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below St. Johns County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Fruit Cove

For a typical $484,000 home in Fruit Cove, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fruit Cove's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,934a month

    Least cash to close
    Down payment
    $16,940
    Cash to close
    $31,460
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $214

  • Conventional, 5% down $3,845a month

    Down payment
    $24,200
    Cash to close
    $38,720
    Rate
    7.18%
    Mortgage insurance
    PMI · $230

  • Conventional, 20% down, no PMI $3,123a month

    Down payment
    $96,800
    Cash to close
    $111,320
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,571a month

    Down payment
    $72,600
    Cash to close
    $87,120
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Fruit Cove and for St. Johns County.

Property tax

Effective rate in Fruit Cove

0.74%of the home’s value each year

$3,561 a year for the typical owner in Fruit Cove.

  • Fruit Cove 0.74%
  • St. Johns 0.76%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in St. Johns County

FEMA does not publish these numbers by city: they are for all of St. Johns County.

Homes in the high-risk zone
2.9%
2,783
Of those, with NFIP insurance
—
County Florida U.S.
Homes in the high-risk zone 2.9% 13% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fruit Cove

Typical rent in Fruit Cove is $2,336 a month: 22% above the county. In Fruit Cove, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of St. Johns County, by unit size. To pay the 2-bedroom one ($1,694 a month) without spending more than 30% of your income, you would need to earn $32.58 an hour working full time.

HUD fair market rent for all of St. Johns County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,401 $26.94 $56,040
1 bedroom $1,421 $27.33 $56,840
2 bedrooms $1,694 $32.58 $67,760
3 bedrooms $2,077 $39.94 $83,080
4 bedrooms $2,594 $49.88 $103,760

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Fruit Cove

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fruit Cove is in ZIP code 32259.

For 2 bedrooms it is $2,540: $846 more than the fair market rent for St. Johns County ($1,694).

  • 32259 $2,540$3,110

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fruit Cove when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Fruit Cove

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in St. Johns County; none says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Fruit Cove

No down payment, repair or rent-help program on our list is for Fruit Cove or St. Johns County. The ones below are statewide in Florida: they work in Fruit Cove the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Fruit Cove

The HUD-approved agencies closest to the center of Fruit Cove, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Credit.org - Jacksonville, FL Branch

    4720 Salisbury Rd, Jacksonville · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (800) 431-8157

  • NSC (naca Counseling Subsidiary) - Jacksonville, FL

    3986 Boulevard Center Dr Ste 101, Jacksonville · 14 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (904) 306-9272

  • Jacksonville Area Legal Aid, Inc.

    126 W Adams St, Jacksonville · 16 miles away · Spanish

    Also serves in American Sign Language (ASL), Creole, French, and Hindi.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (904) 356-8371

Every agency in St. Johns County All counseling agencies in Florida

Help in Spanish near Fruit Cove

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Fruit Cove

HUD lists no housing authority with an office in St. Johns County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Florida Source: HUD

Cities

Other cities in St. Johns County

These cities are also in St. Johns County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about St. Johns County Housing in Florida

Nearby cities

The cities closest to Fruit Cove, with the typical home value.

Neighboring counties

If St. Johns County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Fruit Cove.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Fruit Cove

Short answers with the numbers for Fruit Cove and all of St. Johns County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Fruit Cove?

The typical home value in Fruit Cove is $484,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Johns County it is $489,200.

How much does it cost to rent in Fruit Cove?

Typical rent in Fruit Cove is $2,336 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Johns County is $1,694.

What is the FHA loan limit in Fruit Cove?

Fruit Cove uses the FHA limit for all of St. Johns County (2026): $580,750 for a one-unit home and $1,116,850 for a four-unit home.

How much property tax do owners pay in Fruit Cove?

The typical homeowner in Fruit Cove pays $3,561 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in St. Johns County, the rate is 0.76%.

Where can I find free help to buy or rent in Fruit Cove?

There is 1 HUD-approved counseling agency with an office in St. Johns County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).