New Construction Homes in St. Simons Island, FL
19 new-construction homes are listed for sale in St. Simons Island right now, across 10 communities. Most list between $900K to $4.25M; the median new build is $2,950,000 ($772/sq ft, typically 3,645 sq ft, 4 bedrooms). Everything on this page is from Momentum’s MLS record as of 2026-09-06 and refreshes as homes list and sell.
Newest new-construction listings in St. Simons Island
The most recently listed new homes in St. Simons Island, with photos. Each card opens the full listing with every photo, the community’s data, and a tour request.
New-home communities in St. Simons Island
Every St. Simons Island community with new construction actively listed, the builder where the listing identifies one, how many homes are available, and the lowest current list price. Community names link to that community’s guide with its sales history and live inventory.
| Community | Builder | New homes | From |
|---|---|---|---|
| East Beach | — | 5 | $2.95M |
| Frederica Golf Club | — | 4 | $3.60M |
| El Dorado | — | 3 | $899,990 |
| Hamilton Landing | — | 1 | $2.50M |
| Oyster Grove | — | 1 | $1.25M |
| Kings Point | — | 1 | $5.00M |
| Hampton Plantation | — | 1 | $1.40M |
| Kings Terrace | — | 1 | $2.59M |
| Sea Palms | — | 1 | $1.93M |
| The Orchard | — | 1 | $1.80M |
New construction in St. Simons Island by price
- $750K – $1M: 3 homes
- $1M and up: 16 homes
What a new build in St. Simons Island costs to own
Take the median $2,950,000 new home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $15,244/month. Where an HOA is listed the median is $296/month. All in, plan on roughly $15,540/month, plus any CDD assessment — most master-planned communities finance their infrastructure with a district bond that appears on the tax bill for years, and it is the number builders’ sales offices mention last.
How to buy new construction the smart way
The agent in the model home works for the builder. Bringing your own Momentum agent costs you nothing — the builder pays the commission either way — and gets you representation on the contract (builder contracts are one-sided by design), the upgrade pricing, the lender comparison (the builder’s preferred lender incentive is real but not always the best deal), an independent inspection at pre-drywall and at completion, and the walkthrough. Register your agent on your first visit; most builders will not honor representation after that.
Builders rarely cut list price on a to-be-built home, but completed inventory homes at the end of a quarter are a different negotiation: closing-cost credits, rate buydowns, and included upgrades are common, and the cards above show which homes have been sitting.
Explore St. Simons Island
- Moving to St. Simons Island: the data guide
- All new-construction builders in Florida
- Search every St. Simons Island community
Common questions
How many new construction homes are for sale in St. Simons Island?
Who is building new homes in St. Simons Island?
What does a new construction home cost in St. Simons Island?
What is the monthly cost of a $2,950,000 new build in St. Simons Island?
Should I use my own agent to buy new construction?
Do builders negotiate on price?
<a href="https://movewithmomentum.com/new-construction-homes-st-simons-island">New Construction Homes in St. Simons Island, FL: 19 New Homes from $900K (September 2026) — Momentum Realty</a>Counts, prices and photos are from Momentum Realty’s MLS record of active listings in St. Simons Island communities as of 2026-09-06; a home is counted as new construction when the listing shows it as built this year or later or when a production builder is the listing office. Builder names come from listing data. Estimates are not guarantees. Equal Housing Opportunity.