The typical owner-occupied home in Saint Augustine is worth about $439,800, 23% above the Florida median of $359,000 and 32% above the national median of $332,700. Owners pay a median $2,822 a year in property taxes, about 0.64% of their home's value, lower than the Florida rate of 0.76%. The median household earns $78,151 a year, so the median home costs 5.6 times the median income (4.8 times for Florida). 63% of occupied homes here are lived in by their owners, and 54% of those owners still have a mortgage.
Saint Augustine at a glance
| Saint Augustine | Florida | U.S. | |
|---|---|---|---|
| Median home value | $439,800 | $359,000 | $332,700 |
| Median property tax paid per year | $2,822 | $2,730 | $3,119 |
| Property tax as a share of value | 0.64% | 0.76% | 0.94% |
| Median household income | $78,151 | $74,568 | $80,734 |
| Homes lived in by their owners | 63% | 68% | 65% |
| Owner homes with a mortgage | 54% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,966 | $1,959 | $1,963 |
| Those costs as a share of the owners' income | 22.5% | 23.6% | 21.0% |
| Median rent | $1,653 | $1,669 | $1,413 |
| Rent as a share of renters' income | 33.9% | 35.2% | 30.6% |
| Median year homes were built | 1980 | 1988 | 1980 |
| Vacant homes | 25.1% | 14.7% | 10.1% |
| Population | 15,351 | 22,416,077 | 334,922,499 |
What a typical home costs per month in Saint Augustine
At this week's average 30-year rate of 7.11%, buying the median Saint Augustine home of $439,800 with 20% down costs about $2,785 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,517, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $119,343 for the 20%-down payment. That payment is 43% of the median Saint Augustine household income of $78,151; at that income and 20% down, the 28% guideline points to a home of about $288,000.
The median rent here is $1,653 a month, so owning the median home costs about $1,132 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $87,960 |
|---|---|
| Loan amount | $351,840 |
| Principal and interest | $2,367 |
| Property taxes (0.64% a year) | $235 |
| Homeowners insurance (our estimate, 0.5% a year) | $183 |
| PMI | $0 |
| Total per month | $2,785 |
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| Down payment | $15,393 |
|---|---|
| Loan amount | $431,834 |
| Principal and interest | $2,905 |
| Property taxes (0.64% a year) | $235 |
| Homeowners insurance (our estimate, 0.5% a year) | $183 |
| FHA mortgage insurance | $195 |
| Total per month | $3,517 |
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Questions about home buying in Saint Augustine
What is the median home value in Saint Augustine?
About $439,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Saint Augustine?
Homeowners pay a median $2,822 a year, which is about 0.64% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Saint Augustine?
For the median home with 20% down at 7.11%, the payment is about $2,785 a month. Keeping that under 28% of gross income takes about $119,343 a year.
More about Saint Augustine
- Mortgage Refinance in Saint Augustine
- Debt Relief in Saint Augustine
- Home Equity Loans in Saint Augustine
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data