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St. Augustine city, FL

ZIP 32084 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32084

Median Home Value
$295,000
Median Rent
$1,327
Affordability Snapshot
$81,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,895/mo PITI).

22%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

18.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 32084 in St. Augustine city, FL, a household would need roughly $81,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,895. That is roughly in line with the local median household income ($72,965). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
65.3%-0% vs US avg
x
Vacancy Rate
18.6%+81% vs US avg
x
Broadband Access
88.1%+1% vs US avg
x
4+ Bedrooms
3.2%-78% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
4.1%-41% vs US avg
x
Rent Burden >30%
34.7%-30% vs US avg
x
Mortgage-Free
42.8%+12% vs US avg
x
$295,000
Home Value
$1,327
Rent
1997
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached58.0%
  • 1-unit attached6.5%
  • 2-9 units12.1%
  • 10+ units14.1%
  • Mobile home & other9.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$295,000
Median rent$1,327
Owner-occupied65.3%
Vacant18.6%
Price-to-income4.0x
Est. income to buy$81,000