St. Augustine home prices and market speed
The typical St. Augustine home is worth about $429,100, down 1.7% on a year ago. Across the Jacksonville metro, for-sale inventory is 14.0% lower than a year earlier. Prices are flat to slightly down and most homes sell below list price, so buyers have room to negotiate. Sellers do best pricing from recent closed sales rather than from older list prices.
| ZIP code | Typical home value | 12-month change |
|---|---|---|
| 32080 | $538,400 | −0.8% |
| 32095 | $498,400 | −1.5% |
| 32092 | $464,100 | −2.6% |
| 32086 | $367,800 | −1.3% |
| 32084 | $348,900 | −0.4% |
Sources: Zillow Home Value Index (typical home value, all homes, August 2026); Zillow metro market data (days to pending, inventory and price cuts, August 2026; sale-to-list ratio, July 2026). Metro figures cover the wider region, not the city alone.
What a local agent helps you decide in St. Augustine
The St. Augustine address covers very different places. Zillow's August 2026 ZIP values run from $348,865 in 32084, around the historic city, to $538,418 in 32080 on Anastasia Island, and its neighborhood figures reach $715,145 in Vilano Beach. The questions below are where local knowledge earns its fee.
Inside the city or outside it
Many homes with a St. Augustine mailing address are in unincorporated St. Johns County. Inside the City of St. Augustine the 2025 tax rate was 19.5552 mills; in most of the unincorporated county it was 13.4686. On a $429,114 home that gap is about $2,600 a year before exemptions. The St. Johns County property tax guide lists every district.
Which comparable sales count
Across the metro, the typical home sold for about 97.0% of its asking price in July 2026. That average hides a lot. A downtown cottage, an island beach house and a new home in a CDD community should each be priced against sales from the same street or subdivision, not a ZIP-wide median.
What the address has been through
The National Hurricane Center recorded water up to 4 feet above ground in the city during Hurricane Matthew in 2016, especially near the bayfront and the San Sebastian River, and storm surge at the St. Augustine Beach seawalls. An agent who has worked here through recent storms will know which streets flooded and what to ask a seller.
Buying a home in St. Augustine: the checks that matter
Our guide to buying a house in Florida covers the statewide steps. These are the local ones.
Price the insurance before you commit
Citizens Property Insurance's 2026 rate filing put its average multiperil homeowners premium in St. Johns County at $2,736, recommended to fall 7.4% to $2,533. Private carriers price differently, and flood cover is separate. Get quotes on the exact address during your inspection period.
Budget for your own tax bill
Florida reassesses a home at market value the January after it sells, so the seller's bill is not a guide. The Census median St. Augustine homeowners actually paid was $2,822 a year (ACS 2024 five-year), well below what a new buyer at today's prices can expect inside city limits.
Read the CDD and HOA lines
Newer communities north and west of the city often carry a community development district charge. At Madeira, inside the city, a 50-foot lot pays $2,226.77 a year in CDD operations and debt service for FY 2026-27, on top of HOA dues and county taxes. See new construction in St. Augustine for more examples.
Expect short-term rentals nearby
The 2020 census counted 18.5% of the city's 8,096 housing units as vacant, a figure that includes seasonal and vacation homes. If you want full-time neighbors, ask the agent to check how many homes on the street are rented by the night, and read the HOA rules on rentals before you offer.
Selling a home in St. Augustine
Metro inventory was 10,754 homes in August 2026, 14.0% fewer than the 12,499 a year earlier, and the share of listings with a price cut fell from 31.7% to 28.4%. Sellers have a little more leverage than last year, but buyers are still choosy.
Plan for close to three months on the market
Zillow's mean time to pending across the Jacksonville metro was about 80 days in August 2026, down from 90 a year earlier. Closing adds more time. Build that into your carrying costs: insurance, utilities, HOA dues and any CDD charge keep running while the home is listed.
Price for the micro-market
Over the year to August 2026, Vilano Beach was the only Zillow neighborhood in the area to rise (3.4%), while Crescent Beach fell 4.1% and ZIP 32092 fell 2.6%. A list price based on the city-wide change will be wrong for most homes.
Work out your net proceeds
Florida's documentary stamp tax on a deed is 70 cents per $100 of the price, about $3,004 on a $429,114 sale. Add commission, title charges and prorated taxes. Our seller net proceeds calculator runs the numbers.
Have storm and repair records ready
After Matthew in 2016 and Irma in 2017, buyers and insurers ask about flooding, roofs and permits. Keep invoices, permits and claim records together, and read the Florida seller disclosure guide.
St. Augustine areas at a glance
These are the broad areas buyers compare, with Zillow's August 2026 typical values where Zillow publishes one.
Historic city and downtown (32084)
The Spanish colonial city founded in 1565, with the Castillo de San Marcos and Flagler College on King Street. ZIP 32084 had a typical value of $348,865. Most parcels here are inside city limits, so expect the higher city tax rate and check the flood zone near the bayfront and the San Sebastian River.
Anastasia Island, St. Augustine Beach and the beach communities (32080)
ZIP 32080 was $538,418. The City of St. Augustine Beach was $590,985, and farther south Butler Beach was $502,978, Crescent Beach $515,062 and Marineland $649,584. These are barrier-island homes, so flood insurance, elevation and evacuation routes weigh heavily.
Vilano Beach
North of the inlet, Vilano Beach had the area's highest Zillow neighborhood value at $715,145 and was the only one to gain over the year. It sits in its own lighting district with a 2025 tax rate of 13.5555 mills.
North St. Augustine (32095)
ZIP 32095 was $498,380. It includes planned communities such as Madeira, a 1,010-acre CDD inside the city with builders listed from the $500,000s to over $1 million.
World Golf Village and the I-95 corridor (32092)
ZIP 32092 was $464,115, down 2.6%. World Golf Village is a 6,300-acre resort and residential development with two golf courses; the World Golf Hall of Fame closed there in 2023 and moved to Pinehurst. Newer communities along this corridor often carry CDD charges.
South St. Augustine (32086)
ZIP 32086, along US 1 South, was $367,850, among the lower-priced parts of the area and home to the tax collector's Dupont Center branch.
For a wider view of St. Johns County, see our Ponte Vedra guide and the best suburbs of Jacksonville.
Local property checks before you commit
Flood zone and storm history
Look up the FEMA flood zone for the parcel, ask for an elevation certificate and get a flood quote even if the home is outside a high-risk zone. Hurricane Matthew pushed water into parts of the historic city and against the beach seawalls. Our Florida flood zones guide explains the zone letters.
Evacuation zone
St. Johns County's My Evacuation Zone tool gives the zone for any address. Anastasia Island and Vilano Beach are reached by bridge, so know your route before hurricane season, which runs June 1 to November 30.
Tax district and flat charges
Confirm the taxing district and the non-ad valorem lines on the last tax bill: CDD, solid waste, stormwater and, in a few coastal areas, special taxing units. the Summer Haven MSTU alone adds 7.3392 mills.
Roof and wind mitigation
Insurers price on roof age and wind features. A wind mitigation inspection can lower your premium; see the Florida wind mitigation guide.
How to choose a St. Augustine real estate agent
Bright Florida Homes is an information and referral service, not a brokerage, and we do not rank agents. Here is how to judge one yourself.
Questions to ask
- How many homes have you sold in this ZIP or subdivision in the last 12 months?
- Is this parcel inside the City of St. Augustine, and what does that do to the tax bill?
- What flooded on this street in Matthew, Irma or later storms?
- Which CDD or HOA charges apply, and what is the remaining CDD debt?
How commission works now
Since August 17, 2024, under the National Association of Realtors settlement, buyers sign a written agreement with their agent before touring homes, offers of buyer-agent pay no longer appear on the MLS, and commission is not set by law and is negotiable. The Florida real estate commission guide explains the options.
Check the license
Look up any agent's license on the Florida Department of Business and Professional Regulation's license search before you sign an agreement.
St. Augustine market questions answered
Are home prices dropping in St. Augustine?
Slowly. Zillow's typical value fell 1.7% in the year to August 2026 and is 8.9% below its August 2022 level of $471,105, but still 43.8% above August 2020. Typical rent rose 0.8% to $2,034. The is St. Augustine a good place to live guide puts these numbers against local wages.
Is it a buyer's or seller's market?
It leans toward buyers: about 80 days to pending on average and more than one in four listings cut across the metro. Falling inventory and a slightly higher sale-to-list ratio than a year ago mean well-priced homes still sell.
What percentage do realtors charge in Florida?
There is no legal or standard percentage. Commission is negotiated with each brokerage, and since August 2024 the buyer's agent's pay is agreed in writing before touring. Compare what each agent will do for the fee, not just the rate.
Common questions
Are home prices dropping in St. Augustine, Florida?+
Yes, gradually. Zillow's typical St. Augustine home value was $429,114 in August 2026, down 1.7% on the year and 8.9% below the August 2022 peak of $471,105. Metro inventory fell 14.0% over the year, which may slow further declines. Vilano Beach was the one Zillow neighborhood in the area that rose, by 3.4%.
How much does a realtor make off of a $300,000 house?+
Commission is negotiable and not set by law, so there is no fixed answer. As an illustration only, a 2.5% fee on a $300,000 sale would be $7,500, and the agent usually splits that with their brokerage. If the buyer's and seller's agents are paid separately, each fee is agreed in writing with that client.
What percentage do most realtors charge in Florida?+
Florida law does not set a commission rate, and there is no official average. Rates are negotiated between you and the brokerage. Since August 17, 2024, buyers agree their agent's compensation in a written agreement before touring homes, and offers of buyer-agent pay are no longer shown on the MLS.
How long does it take to sell a house in St. Augustine?+
Across the Jacksonville metro, Zillow's mean time from listing to pending was about 80 days in August 2026, down from 90 a year earlier. Closing usually adds several more weeks. Well-priced homes in popular areas can go faster, while beach and luxury homes can take longer.
Who is the best realtor in St. Augustine, FL?+
There is no official ranking, and review sites measure different things. Look for an agent with recent closed sales in the ZIP or subdivision you want, who can explain city versus county tax districts, CDD charges and flood history. Check the license with the Florida DBPR and interview at least two agents.
Is St. Augustine in a flood zone?+
Parts of it are. Hurricane Matthew in 2016 put water up to 4 feet above ground in the city, especially near the bayfront and San Sebastian River, and surge reached the St. Augustine Beach seawalls. Flood zones vary by parcel, so look up the FEMA zone, ask for an elevation certificate and get a flood quote for each address.
Sources
- Zillow Research: ZHVI city, ZIP and neighborhood data, ZORI rent and metro market data, August 2026
- St. Johns County Tax Collector: 2025 millages
- St. Johns County Tax Collector: Contact and locations
- Citizens Property Insurance: 2026 recommended rate filing (average premium by county)
- National Hurricane Center: Tropical Cyclone Report, Hurricane Matthew (AL142016)
- National Hurricane Center: Tropical Cyclone Report, Hurricane Irma (AL112017)
- Census Reporter: Median real estate taxes paid (B25103), St. Augustine city, ACS 2024 5-year
- Wikipedia: St. Augustine, Florida
- Wikipedia: World Golf Village
- Madeira CDD: About the community development district
- Madeira CDD: FY 2026/2027 assessment schedule
- Madeira at St. Augustine: Builders
- Flagler College: About
- St. Johns County: Emergency management (My Evacuation Zone)
- National Association of Realtors: Settlement FAQs
- Florida Department of Revenue: Documentary stamp tax
- Florida DBPR: License search