Living in St. Johns, Florida: The 2026 Data Guide
St. Johns is in St. Johns County, Florida (ZIP codes 32259, 32092, 32095). · Homes for sale in St. Johns · St. Johns County
As of 2026-09-06, the median home sold in St. Johns, Florida over the last 12 months went for $505,000 (1,624 closings across 86 communities in Momentum’s MLS record), about $223 per square foot for a median 2,289-sq-ft home built around 2017. Homes currently listed have been on the market a median of 44 days, and with 397 active listings against that sales pace the city is carrying roughly 2.9 months of supply. Sellers have been getting about 97% of their original asking price. That median is 25% above the median across Momentum’s Florida and Georgia coverage.
What your budget buys in St. Johns
Three price points from 462 recent St. Johns closings in our record, each showing what actually closed within 10% of that price:
- Around $420,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,876 sq ft, built around 2020 (64 sales).
- Around $505,000: the typical sale in this band was a 4-bed, 2.5-bath home of about 2,206 sq ft, built around 2020 (90 sales).
- Around $730,000: the typical sale in this band was a 4-bed, 3-bath home of about 2,913 sq ft, built around 2015 (76 sales).
The real monthly cost of owning in St. Johns
Take the median $505,000 home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $2,610/month. St. Johns County’s typical total millage is 13.47 mills, so after the $50,000 homestead exemption the property tax is roughly $6,128/year ($511/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. 74% of current St. Johns listings carry an HOA, with a median of $117/month where one applies. All in, budget on the order of $3,352/month to own the median St. Johns 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. Johns’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 |
|---|---|---|---|
| Julington Creek Plantation | 177 | $520,000 | 30 |
| RiverTown | 174 | $551,126 | 52 |
| Shearwater | 158 | $497,882 | 44 |
| WaterSong at RiverTown | 126 | $466,250 | 114 |
| Durbin Crossing | 98 | $471,250 | 27 |
| Bridgewater | 89 | $316,990 | 56 |
| South Hampton | 46 | $627,500 | 42 |
| Stillwater | 46 | $371,580 | 71 |
St. Johns by ZIP code
Sales and medians by ZIP over the same 12 months: 32259 (396 sales, median $580,073), 32092 (37 sales, median $522,500), 32095 (24 sales, median $420,500).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 83% were single-family homes, 13% townhomes or villas, and 3% condos. New construction accounted for 31% of closings, led by RiverTown, WaterSong at RiverTown, Bridgewater, Shearwater, Landings at Greenbriar. The housing stock skews newer: 57% of homes sold were built in 2015 or later and 3% before 1980.
Getting around from St. Johns
Measured from the center of St. Johns’s recent sales: Downtown Jacksonville is about 18 miles; St. Augustine is about 21 miles; Jacksonville International Airport (JAX) is about 29 miles; Gainesville is about 53 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. Johns: the case for and against
What works in St. Johns’s favor
- homes move quickly (median 44 days listed), so well-priced homes get competition
- 31% 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
- prices run 25% above the statewide median in our coverage
- only about 2.9 months of supply, so choice is limited in the most popular price bands
- 74% 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. Johns relocation toolkit
- Homes for sale in St. Johns right now
- Cost of living in St. Johns
- Best neighborhoods in St. Johns
- New construction in St. Johns
- Find an agent in St. Johns
- St. Johns ZIP codes with prices
- Search every St. Johns community
Common questions about moving to St. Johns
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Sales figures are Momentum Realty’s MLS record of closings in St. Johns 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.