Moving to St. Augustine, Florida: The 2026 Data Guide

As of 2026-09-11, the median home sold in St. Augustine, Florida over the last 12 months went for $420,000 (2,903 closings across 375 communities in Momentum’s MLS record), about $214 per square foot for a median 1,927-sq-ft home built around 2011. Homes currently listed have been on the market a median of 51 days, and with 886 active listings against that sales pace the city is carrying roughly 3.7 months of supply. Sellers have been getting about 96% of their original asking price. That median is 4% above the median across Momentum’s Florida and Georgia coverage.

St. Augustine is two markets sharing one name: the historic city and beaches on the coast, and the fast-growing corridor west of I-95 where most of the new construction is. The median sits almost exactly on the statewide line, but that is an average of a $250,000 townhome in a new subdivision and a beach home that costs several times more.

The defining fact in the numbers is the new-construction share. Nearly half of everything that closed in the last year was a new build, and that is why the housing stock reads as new and why the community table is dominated by SilverLeaf.

$420,000

Median sale (12 mo)

$214

Price per sq ft

$2,817

Est. monthly cost to own

51 days

Days listed (median)

3.7

Months of supply

43%

New construction share

What your budget buys in St. Augustine

Three price points from 1,446 recent St. Augustine closings in our record, each showing what actually closed within 10% of that price:

Around $335,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,628 sq ft, built around 2019 (234 sales).
Around $420,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,886 sq ft, built around 2016 (289 sales).
Around $595,000: the typical sale in this band was a 4-bed, 3-bath home of about 2,458 sq ft, built around 2013 (176 sales).

At the lower band you are almost always looking at new construction west of the interstate, which is why the typical home in that band is newer than the typical home in the band above it. Moving up the price ladder buys land, water, or proximity to the historic core rather than square footage. If your budget is near the median, you will see builder homes and established St. Johns County neighborhoods side by side, and the builder incentives can change which one nets out cheaper.

The real monthly cost of owning in St. Augustine

Take the median $420,000 home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $2,170/month. St. Johns County’s typical total millage is 13.47 mills, so after the $50,000 homestead exemption the property tax is roughly $4,983/year ($415/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in St. Johns County is about $1,378/year; private-market quotes vary with roof age and wind mitigation. 75% of current St. Augustine listings carry an HOA, with a median of $117/month where one applies. All in, budget on the order of $2,817/month to own the median St. Augustine home including a typical HOA.

St. Johns County's millage is among the lower rates in Northeast Florida, and that shows up in the tax line. What offsets it is that a large share of the newer communities carry a CDD assessment on top of the HOA, and it appears on the tax bill rather than the HOA statement. When you compare a new build here to a resale, add the CDD to the new build's carrying cost before you decide the incentive is worth it.

For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the St. Johns County property tax guide and our home insurance by county map.

Where people are buying: St. Augustine’s most active communities

The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.

SilverLeaf is the single biggest driver of sales in the city right now, and the table shows several of its villages separately because each one is priced and built differently. Cordova Palms, Bannon Lakes and Shearwater are the other builder-led names. The historic and beach neighborhoods sell fewer homes per year, so they sit further down this list even though they are the St. Augustine most people picture.

Community	Sales (12 mo)	Median	Days listed
Shearwater	158	$497,882	44
Brook Forest at SilverLeaf	133	$403,766	29
Silver Falls at SilverLeaf	124	$449,485	23
Silver Meadows at SilverLeaf	91	$475,980	29
Bridgewater	89	$316,990	56
Cordova Palms	88	$420,000	59
Silver Landing at SilverLeaf	78	$597,000	59
Cordera Townhomes	70	$250,000	99

St. Augustine by ZIP code

Sales and medians by ZIP over the same 12 months: 32092 (487 sales, median $450,000), 32084 (353 sales, median $375,000), 32080 (236 sales, median $574,750), 32095 (184 sales, median $435,000), 32086 (180 sales, median $367,250).

What’s for sale: property types, new construction, and age of homes

Of the last 12 months of sales, 71% were single-family homes, 12% townhomes or villas, and 15% condos. New construction accounted for 43% of closings, led by Brook Forest at SilverLeaf, Silver Falls at SilverLeaf, Silver Meadows at SilverLeaf, Cordova Palms, Bridgewater. The housing stock skews newer: 47% of homes sold were built in 2015 or later and 8% before 1980.

Nearly half new construction is a very different market from the rest of Northeast Florida. It means builder incentives, rate buydowns and warranty terms are part of most negotiations, and it means that resale homes in the same price band have to compete with brand-new inventory down the road. For a buyer that is leverage; for a seller of a five-year-old home it is the main pricing headwind.

Getting around from St. Augustine

Measured from the center of St. Augustine’s recent sales: Downtown Jacksonville is about 33 miles; Jacksonville International Airport (JAX) is about 44 miles; Daytona Beach is about 53 miles; Gainesville is about 60 miles. Distances are straight-line; drive times depend on the corridor and time of day.

Most of the growth is along the corridor between St. Augustine and Jacksonville, and that corridor is the commute. Downtown Jacksonville is a realistic daily drive from the northern communities and a long one from the beaches. The historic downtown itself is walkable in a way almost nothing else in the region is, and that is a big part of what buyers there are paying for.

Schools, taxes, and insurance: where to verify

School assignments change; check the St. Johns County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use St. Johns County’s typical millage of 13.47; municipal and special-district millage varies inside the county. Insurance uses Citizens’ St. Johns County average of $1,378/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.

St. Augustine: the case for and against

If you want new construction with the lowest county millage in the region and a coast within reach, St. Augustine is hard to beat. If you want the historic city, budget for an older home, a longer search, and a premium for location that the median does not reflect.

What works in St. Augustine’s favor

43% of sales are new construction, so builder incentives and warranties are part of the market
insurance is comparatively manageable here (Citizens average $1,378/year)
no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead

What to plan for

only about 3.7 months of supply, so choice is limited in the most popular price bands
75% of listings carry an HOA (median $117/month)
property taxes reset to your purchase price, so never budget off the seller’s bill

Your St. Augustine relocation toolkit

Common questions about moving to St. Augustine

How much does a house cost in St. Augustine, FL?

The median sale over the last 12 months was $420,000 (2,903 closings), about $214 per square foot. Among recent closings in our record a quarter sold under $335,000 and a quarter over $595,000.

What does it cost per month to own a home in St. Augustine?

For the median $420,000 home with 20% down at 6.71%, roughly $2,817 per month including principal, interest, St. Johns County property tax after the homestead exemption, insurance, and a typical HOA.

What are property taxes like in St. Augustine?

St. Johns County's typical total millage is 13.47 mills. On the median home that is about $4,983 a year for a new owner after the $50,000 homestead exemption; the assessment resets at purchase, so the seller's bill is not a guide.

Is St. Augustine a buyer's or seller's market right now?

With about 3.7 months of supply and a median 51 days on market for current listings, conditions favor sellers.

Is there a lot of new construction in St. Augustine?

New construction was 43% of sales in the last 12 months, concentrated in Brook Forest at SilverLeaf, Silver Falls at SilverLeaf, Silver Meadows at SilverLeaf, Cordova Palms, Bridgewater.

Does Florida have a state income tax?

No. Florida has no state income tax, including on retirement income, and the Save Our Homes cap limits how fast a homesteaded assessment can rise.

Sales figures are Momentum Realty’s MLS record of closings in St. Augustine communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are St. Johns County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.