Total monthly cost of ownership
Cost to Own a Home in St. Augustine South, Florida
A $319,000 home here costs
$2,585per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $111,000 a year.
A standard mortgage calculator would have told you $1,739. The real number is $846 higher every month, 49% more than the payment most buyers budget for.
Compare St. Johns County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for St. Augustine South from a five-year rolling sample, and with about 4,864 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The St. Johns County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
St. Augustine South against St. Johns County and Florida
| Measure | St. Augustine South | St. Johns County |
|---|---|---|
| Median home value | $319,200 | $457,600 |
| Median property tax | $1,852 | $3,547 |
| Effective tax rate | 0.580% | 0.775% |
| Median gross rent | $1,452 | $1,775 |
| Population | 4,864 | 292,243 |
The weather behind that power bill
St. Augustine South sits in St. Johns County, which averages a high of 91.0°F in its hottest month and a low of 47.8°F in its coldest, with 50.64" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 3,079 cooling and 803 heating degree days, which is what sets the $165 electricity line above.
See the full climate breakdown for St. Johns County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Johns County
Full St. Johns County cost breakdown · Every county in Florida
Talk to someone who works this market
These are St. Augustine South averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works St. Augustine South every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in St. Augustine South I already own here and may sell
Common questions
How much does it cost to own a home in St. Augustine South?
A $319,000 home in St. Augustine South, Florida costs approximately $2,585 per month with 20% down at 7.24%. That is $1,739 principal and interest, $154 property tax, $193 homeowners insurance, $233 utilities and $266 set aside for maintenance.
What is the property tax rate in St. Augustine South?
St. Augustine South has an effective property tax rate of 0.580%, based on a median home value of $319,200 and median real estate taxes of $1,852. That is lower than the St. Johns County average of 0.775%.
What is the average home price in St. Augustine South?
The median owner-occupied home value in St. Augustine South, Florida is $319,200, against $457,600 across St. Johns County.
Is it cheaper to rent or buy in St. Augustine South?
Median gross rent in St. Augustine South is $1,452 a month, against $2,585 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in St. Augustine South?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in St. Augustine South, Florida at today's rate takes a household income of roughly $111,000 a year. That covers the full $2,585 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for St. Augustine South, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Florida.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.