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City · 15,351 residents · St. Johns County, Florida

St. Augustine , Florida

In St. Augustine, a typical home is worth $439,800 and typical rent is $1,653 a month. Compared with all of St. Johns County, typical household income is 29% lower, typical rent is 14% lower, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $439,800

    10% below the county

    23% above Florida

    • St. Augustine
    • St. Johns
    • Florida

  • Typical rent

    $1,653a month

    14% below the county

    About the same as Florida

    • St. Augustine
    • St. Johns
    • Florida

  • Typical household income

    $78,151a year

    29% below the county

    5% above Florida

    • St. Augustine
    • St. Johns
    • Florida

  • Households that own their home

    63%

    19 points below the county

    5 points below Florida

    • St. Augustine
    • St. Johns
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$432,603
1.2% less than 12 months ago
Typical rent
$1,982 a month
about the same as 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

St. Augustine 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 St. Augustine apart

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

  1. 63% of households in St. Augustine own their home, against 82% in St. Johns County.

  2. The typical household income in St. Augustine is $78,151, 29% less than in St. Johns County as a whole ($109,839).

  3. Nearby, in St. Augustine Shores, the typical home value is $339,300: 23% less than in St. Augustine ($439,800).

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

The homes here

Housing in St. Augustine

What homes there are in St. Augustine, 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 St. Augustine, 6 in 10 homes are single-family detached houses; in St. Johns County, 7.

Year built

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

$1,966 a month

St. Johns County: $2,351 a month

Without a mortgage

$793 a month

St. Johns County: $728 a month

Owners with a mortgage

54%

St. Johns County: 66%

Owning costs less in St. Augustine: with a mortgage, the typical cost is $1,966 a month; in St. Johns County, $2,351. Without one, $793.

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, home values in St. Augustine rose at about the same pace as in St. Johns County: 62% against 61%.

Rents in St. Augustine rose faster than in St. Johns County: 57% since 2015–2019, against 47%.

Housing prices ran ahead of income in St. Augustine: typical income rose 44%, against +62% for home values and +57% for rent.

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

MeasureSt. AugustineSt. Johns CountyFloridaUnited States
Rental vacancy Unreliable estimate5.2%7.6%5.5%
Homeowner vacancy 8.2%1.6%1.4%0.9%
More than one person per room Unreliable estimate1.1%3.3%3.4%
People per household 2.132.622.512.53
Drive alone 62%64%70%69%
Carpool 10%7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 6%1%2%3%
Work from home 18%27%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in St. Augustine are smaller: 2.13 people on average; in St. Johns County, 2.62.

In St. Augustine, 6% of workers walk or bike to work; in St. Johns County, 1%.

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 St. Augustine?

A typical home costs more than the typical income allows

We start with a typical home in St. Augustine, worth $439,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in St. Augustine, which is $78,151 a year. For that payment to be 28% of income, a household would need to earn about $151,617 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 St. Augustine. 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 $15,393 (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

$3,538

at 7.18% · 30 years

Loan amount
$431,834
Total interest
$621,308
Paid off in
November 2056

Includes $7,427 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,824 a month

  • Tight

    $1,824 to $2,345 a month

  • Hard

    more than $2,345 a month

    Your payment · 54%

Compared with the typical household income in St. Augustine ($78,151 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,538
Principal & interest$2,925
Property tax$235
Home insurance$183
FHA mortgage insurance (MIP)$195

You need at least $15,393 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

St. Augustine and St. Johns County

St. Augustine 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).

St. Augustine's own numbers

Typical home value
$439,800
Typical monthly rent
$1,653
Typical yearly household income
$78,151
Households that own their home
63%
Effective property tax rate
0.64%

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 St. Augustine

A typical home in St. Augustine is worth $439,800: 10% below the county and 23% above Florida. With the typical household income in St. Augustine ($78,151 a year), a typical home costs 5.6 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.

  • St. Augustine 5.6 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

St. Augustine 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
  • St. Augustine $439,800
  • St. Johns $489,200
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • St. Augustine $1,653
  • St. Johns $1,922
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • St. Augustine $78,151
  • St. Johns $109,839
  • Florida $74,568
  • United States $80,734
See the full table
St. Augustine next to St. Johns County and Florida
Measure St. Augustine St. Johns County Florida U.S.
Typical home value $439,800 $489,200 $359,000 $332,700
Typical monthly rent $1,653 $1,922 $1,669 $1,413
Typical yearly household income $78,151 $109,839 $74,568 $80,734
Households that own their home 63% 82% 68% 65%
Typical yearly property tax $2,822 $3,721 $2,730 $3,119
Effective property tax rate 0.64% 0.76% 0.76% 0.94%
Renters with high rent for their income 62% 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 St. Augustine

For a typical $439,800 home in St. Augustine, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Augustine's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,538a month

    Least cash to close
    Down payment
    $15,393
    Cash to close
    $28,587
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $195

  • Conventional, 5% down $3,457a month

    Down payment
    $21,990
    Cash to close
    $35,184
    Rate
    7.18%
    Mortgage insurance
    PMI · $209

  • Conventional, 20% down, no PMI $2,801a month

    Down payment
    $87,960
    Cash to close
    $101,154
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,208a month

    Down payment
    $65,970
    Cash to close
    $79,164
    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 St. Augustine and for St. Johns County.

Property tax

Effective rate in St. Augustine

0.64%of the home’s value each year

$2,822 a year for the typical owner in St. Augustine.

  • St. Augustine 0.64%
  • 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 St. Augustine

Typical rent in St. Augustine is $1,653 a month: 14% below the county. In St. Augustine, 62% 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 St. Augustine

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Augustine has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,740 in 32084 to $2,150 in 32095.

3 of the 3 are above the fair market rent for St. Johns County ($1,694).

  • 32080 $1,930$2,370
  • 32084 $1,740$2,130
  • 32095 $2,150$2,640

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for St. Augustine 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?

Low-income apartments

Low-income apartments in St. Augustine

HUD lists 7 buildings with rents for lower incomes in St. Augustine. These are the largest.

  • Whispering Woods 210 Whispering Woods Ln, St Augustine 32084 200 low-income homes · 1 bd: 40 · 2 bd: 92 · 3 bd: 68 · In service since 2003 · For families
  • Whispering Pines (st Augustine) 1200 Whispering Cir, St Augustine 32084 192 homes, 145 low-income · 1 bd: 40 · 2 bd: 92 · 3 bd: 60 · In service since 1999 · For families
  • Ponce Harbor 225 Ponce Harbor Dr, St Augustine 32086 144 low-income homes · 1 bd: 32 · 2 bd: 64 · 3 bd: 32 · 4 bd: 16 · In service since 2002 · For families
  • Summer Breeze at Summerset Village 305 Summer Breeze Way, St Augustine 32086 132 low-income homes · 1 bd: 66 · 2 bd: 66 · In service since 2006 · For older adults, families
  • Woodcrest 110 Woodcrest Dr, St Augustine 32084 90 homes, 88 low-income · 1 bd: 14 · 2 bd: 40 · 3 bd: 36 · In service since 1997

See all 14 buildings in St. Johns County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in St. Augustine

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 man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in St. Augustine

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

Which programs do I qualify for? All programs in Florida

Housing counselors near St. Augustine

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

  • ST. Johns County Board of County Commissioners

    200 San Sebastian Vw, St Augustine · 3 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (904) 209-6062

  • Community Legal Services of Mid-Florida, Inc. - Palatka Office

    605 Saint Johns Ave, Palatka · 26 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (386) 255-6573

  • Credit.org - Jacksonville, FL Branch

    4720 Salisbury Rd, Jacksonville · 29 miles away · Spanish

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

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

Help in Spanish near St. Augustine

2 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 St. Augustine

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 St. Augustine, 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 St. Augustine.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about St. Augustine

Short answers with the numbers for St. Augustine 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 St. Augustine?

The typical home value in St. Augustine is $439,800, 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 St. Augustine?

Typical rent in St. Augustine is $1,653 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 St. Augustine?

St. Augustine 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 St. Augustine?

The typical homeowner in St. Augustine pays $2,822 a year, according to the U.S. Census Bureau. That is 0.64% 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 St. Augustine?

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).