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St. Augustine Shores CDP, FL

ZIP 32086 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32086

Median Home Value
$342,000
Median Rent
$1,351
Affordability Snapshot
$94,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,197/mo PITI).

22%
Rent-to-Income Ratio

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

4.6x
Home Price-to-Income Ratio

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

21.1 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 32086 in St. Augustine Shores CDP, 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.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.3%+20% vs US avg
x
Vacancy Rate
10.8%+5% vs US avg
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
0.8%-94% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
4.6%-33% vs US avg
x
Rent Burden >30%
21.1%-58% vs US avg
x
Mortgage-Free
40.0%+5% vs US avg
x
$342,000
Home Value
$1,351
Rent
1996
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 detached73.4%
  • 1-unit attached5.5%
  • 2-9 units7.4%
  • 10+ units7.0%
  • Mobile home & other6.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$342,000
Median rent$1,351
Owner-occupied78.3%
Vacant10.8%
Price-to-income4.6x
Est. income to buy$94,000