ZIP Code 32086 — St. Augustine Shores CDP, FL Demographics & Data

ZIP code 32086 covers St. Augustine Shores, FL in St. Johns County with a population of about 34,347.

At a glance, the area shows median age of 50.2 versus a U.S. median of about 38.9.

It sits in telephone area code 904; U.S. House district FL-6; the JACKSONVILLE media market.

Median household income in ZIP 32086 is about $74,508 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.1%; unemployment rate near 3.7%; 32.9% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Food services; about 16.3% of workers reporting work-from-home (about 1.1 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $342,000 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,351 (about 16% above the U.S. median rent ($1,163)), and owner-occupancy near 78.3% (about 12.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32086 in St. Augustine Shores, FL, a household would need roughly $94,000 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 $2,197. That is about 26% above the local median household income ($74,508), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for St. Augustine Shores CDP, FL as Relatively Moderate (composite score 87.5), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (93.7) and flood (89.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for St. Augustine Shores CDP, FL show little to no average snow and around 50.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,537 for ZIP 32086 (St. Augustine Shores CDP, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.