Living in St. Augustine Beach, Florida: The 2026 Data Guide
As of 2026-09-09, the median home sold in St. Augustine Beach, Florida over the last 12 months went for $621,000 (29 closings across 10 communities in Momentum’s MLS record), about $393 per square foot for a median 1,792-sq-ft home built around 1983. Homes currently listed have been on the market a median of 113 days, and with 16 active listings against that sales pace the city is carrying roughly 6.6 months of supply. Sellers have been getting about 92% of their original asking price. That median is 54% above the median across Momentum’s Florida and Georgia coverage.
What your budget buys in St. Augustine Beach
Three price points from 29 recent St. Augustine Beach closings in our record, each showing what actually closed within 10% of that price:
The real monthly cost of owning in St. Augustine Beach
Take the median $621,000 home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $3,209/month. St. Johns County’s typical total millage is 13.47 mills, so after the $50,000 homestead exemption the property tax is roughly $7,691/year ($641/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. 81% of current St. Augustine Beach listings carry an HOA, with a median of $612/month where one applies. All in, budget on the order of $4,577/month to own the median St. Augustine Beach home including a typical HOA.
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 Beach’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.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| St. Augustine Beach | 11 | $621,000 | 113 |
| Summerhouse | 6 | $421,000 | 145 |
St. Augustine Beach by ZIP code
Sales and medians by ZIP over the same 12 months: 32080 (29 sales, median $510,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 41% were single-family homes, 7% townhomes or villas, and 52% condos. The housing stock skews mixed: 3% of homes sold were built in 2015 or later and 14% before 1980.
Getting around from St. Augustine Beach
Measured from the center of St. Augustine Beach’s recent sales: Downtown Jacksonville is about 42 miles; Daytona Beach is about 45 miles; Jacksonville International Airport (JAX) is about 52 miles; Gainesville is about 65 miles. Distances are straight-line; drive times depend on the corridor and time of day.
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 Beach: the case for and against
What works in St. Augustine Beach’s favor
- 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
- prices run 54% above the statewide median in our coverage
- listings sit a median of 113 days, which favors buyers on price but signals a slower market
- 81% of listings carry an HOA (median $612/month)
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your St. Augustine Beach relocation toolkit
Common questions about moving to St. Augustine Beach
How much does a house cost in St. Augustine Beach, FL?
What does it cost per month to own a home in St. Augustine Beach?
What are property taxes like in St. Augustine Beach?
Is St. Augustine Beach a buyer's or seller's market right now?
Is there a lot of new construction in St. Augustine Beach?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in St. Augustine Beach 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.