Ponte Vedra affordability tracker.
Median home price vs. median household income in northern St. Johns County. Monthly payments at current rates. What income it actually takes to buy in this market.
How affordability works in Ponte Vedra.
Ponte Vedra is the highest-priced submarket in Northeast Florida. The payment and qualifying income figures above are computed live from the current Freddie Mac 30-year rate and the St. Johns County median list price from the realMLS live feed. Because the county-level median includes all of St. Johns — Ponte Vedra Beach proper carries higher prices than the county median — the figures above represent a floor, not a ceiling, for the Ponte Vedra core.
The market is structurally for higher-earning households and equity-transfer buyers. Most buyers here are dual-income professional households, retirees relocating from higher-cost markets with substantial existing equity, or corporate relocations. The qualifying income shown above (based on the county median at 20% down) will be a meaningful undercount of what buyers in the Ponte Vedra Beach and TPC Sawgrass corridors actually need.
What it means practically: buyers whose income is well above the qualifying figure shown have meaningful choice in St. Johns County. Buyers near or below it should focus on inland St. Johns submarkets — Nocatee mid-market, World Golf Village, or the 32084/32086 St. Augustine corridor — where the same county median is more representative of available inventory. See our rent-vs-buy calculator for scenario modeling.
How mortgage rates move your payment.
The payment figure above is principal and interest only. Property taxes in St. Johns County are among the lowest in Northeast Florida by millage rate, which is one of the genuine ownership advantages here. Florida's Save Our Homes homestead exemption caps annual assessment growth at 3% per year for primary residences. See our property tax guide for St. Johns-specific context.
The 28% front-end DTI shown is the conventional lender benchmark for the housing payment as a share of gross income. At Ponte Vedra price points, most purchases use conventional financing. Verify qualifying income requirements with your lender for your specific loan structure.
Rent vs. buy in Ponte Vedra.
Ponte Vedra's long-term rental market is small — most luxury inventory is owner-occupied or used as second homes rather than rentals. Transaction costs are larger in absolute dollar terms at this price tier, which lengthens the break-even versus renting. For buyers planning to stay for an extended horizon, ownership typically wins when the payment is manageable without strain. Use our rent-vs-buy calculator to run the specific numbers for your situation.
The payment figure above tells you what a St. Johns County median home costs to carry at today's rate. Ponte Vedra Beach proper requires more. If you're evaluating whether you can afford this market, compare that qualifying income to your household income — if it's comfortably above, you have real options here. If it's at or below, the inland St. Johns submarkets offer better value with the same school district and county tax advantages.
Mortgage rate: Freddie Mac PMMS, 30-year fixed, via FRED. Updated weekly. Median home price: St. Johns County median list price from the realMLS live feed. Source: Data provided by realMLS. Information deemed reliable but not guaranteed. Payment formula: P&I only, 20% down, 30-year amortization at current weekly PMMS rate. Income-required assumes P&I equals 28% of gross monthly income. Taxes and insurance excluded from displayed figures. No figure on this page is estimated or modeled when live data is available; values display as — when a data source is unavailable.
Mortgage rates: Freddie Mac PMMS via FRED, updated weekly. Median list price: realMLS live county feed, St. Johns County. Source: Data provided by realMLS. Information deemed reliable but not guaranteed. Disclosure: St. Johns County median includes all county submarkets; Ponte Vedra Beach proper typically trades above the county median.
Important: Information on this page is for general informational purposes only and is not financial, legal, tax, or insurance advice. Always consult a licensed professional for guidance specific to your situation.
Affiliated Business Arrangement: The principal owners of Momentum Realty, Jon Brooks and Brittany Brooks, have a 50% ownership interest in Titan Title Services LLC. You are not required to use Titan Title Services LLC. There are frequently other settlement service providers available with similar services; you are free to shop around to determine that you are receiving the best services and rate. See full disclosures →