Saint Augustine, FL—32092
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saint Augustine, FL
As of Oct '25, the median home price in Saint Augustine, FL is $469,000, with a year-over-year change of -4.5%. This indicates that home prices in Saint Augustine, FL are decreasing. According to Zillow, the 1-year price projection is 0.4%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $469,000 | -4.5% |
| Single Family | $474,000 | -4.6% |
| Condos | $304,000 | -5.0% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $220,000 | -6.8% |
2 Bed | $325,000 | -6.1% |
3 Bed | $397,000 | -5.3% |
4 Bed | $505,000 | -4.5% |
| 5 Bed | $642,000 | -2.9% |
% of Housing Stock
Rental Trends — Saint Augustine, FL
As of July '25, Rentcast reports the average rent in Saint Augustine, FL is $2,560, with a year-over-year rent change of 1.6%. Per bedroom, the median rent as of July '25 in Saint Augustine, FL is studios: $1,820, 1-bedrooms: $1,540, 2-bedrooms: $1,880, 3-bedrooms: $2,350, 4-bedrooms: $2,850. The most common rental property sizes in Saint Augustine, FL are 3-bedroom and 4-bedroom, accounting for 55.8% and 22.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,450 | $2,560 |
| Studio Rent | $1,500 | $1,820 |
| 1 Bed Rent | $1,500 | $1,540 |
| 2 Bed Rent | $1,800 | $1,880 |
| 3 Bed Rent | $2,290 | $2,350 |
| 4 Bed Rent | $2,800 | $2,850 |
% of Rental Stock
Property Listings — Saint Augustine, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Saint Augustine, FL is 81. This is a increase of 11.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 35.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $501,000 | -6.0% |
Listing Count | 694 | 4.0% |
| Listings as % of Homes | 2.6% | 4.0% |
Days on Market | 81 | 11.0% |
Demographics — Saint Augustine, FL
As of the latest ACS Survey released in 2023, Saint Augustine, FL has a population of 48,300, which has increased by 39.4% over the past 5 years. Saint Augustine, FL is a moderately popular place for families, as children make up 23.9% of the population. The area has a highly educated workforce, with 49.1% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 24.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 48,300 | 39.4% |
% Under 18 | 23.9% | -10.2% |
% Seniors | 15.1% | -8.5% |
% WFH | 24.6% | 237.0% |
% w/ College Degree | 49.1% | 16.6% |
As of the latest ACS Survey released in 2023, Saint Augustine, FL is a predominantly white area, with 74.9% of the population identifying as white. The white population has shrunk by 7.1% in the last 5 years. The second most common race or ethnicity in Saint Augustine, FL is hispanic, making up 9.4% of the population. Foreign-born residents account for 10.0% of the population in Saint Augustine, FL, and this percentage has increased by 20.5% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 74.9% | -7.1% |
% Black | 6.6% | 112.9% |
% Hispanic | 9.4% | 10.6% |
% Asian | 2.9% | -39.6% |
% Foreign Born | 10.0% | 20.5% |
Mortgage and Risk — Saint Augustine, FL
According to HUD data as of 2023, there were 2547 mortgage originations in Saint Augustine, FL, of which 76.0% of loans were conventional mortgages. The average loan-to-value was 66.0%, with 27.0% above 90% LTV (very high). This implies large mortgage risk in Saint Augustine, FL. Investor activity is low, as 3.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 2,547 |
% Conventional Loans | 76.0% |
% Government Loans | 24.0% |
% Investor Loans | 3.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Saint Augustine, FL
As of 2024, the percent of homes in Saint Augustine, FL under the Section 8 program is 1.3%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Saint Augustine, FL, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.
Section 8 Market Size
Total Units under HUD | 48 |
Total Units Section 8 | 48 |
% Rentals under Section 8 | 1.3% |
% Occupied Section 8 | 93.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $680 | $1,500 | $2,180 |
| 2 Bedroom | $800 | $1,800 | $2,600 |
| 3 Bedroom | $960 | $2,290 | $3,250 |
| 4 Bedroom | $1,320 | $2,800 | $4,120 |
Affordability — Saint Augustine, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.1 |
| Median Home Price | $469,000 |
| Median Household Income | $123,000 |