Saint Johns County, Florida home prices
Typical home $492,987 · -0.8% in a year · property tax 0.76%
The typical home in Saint Johns County is worth $492,987, 31% more than the Florida typical home ($375,361). Values changed -0.8% in the past year and +15.7% over five years. Homeowners here pay a median 0.76% of their home's value in property tax each year ($3,750 on the typical home), versus 0.8% statewide.
Mortgage on the typical Saint Johns County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $98,597 | $394,389 | $2,653 | $0 | $559 | $3,212 | $137,700 |
| 10% down | $49,299 | $443,688 | $2,985 | $185 | $559 | $3,729 | $159,800 |
| 5% down | $24,649 | $468,337 | $3,151 | $195 | $559 | $3,905 | $167,300 |
| 3.5% down (FHA) | $17,255 | $484,057 | $3,256 | $218 | $559 | $4,033 | $172,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.76% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Florida · part of the Jacksonville metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Nassau County | $484,963 | +0.7% | 0.71% |
| Palm Beach County | $475,754 | +2.3% | 0.86% |
| Miami-Dade County | $523,240 | +0.6% | 0.81% |
| Martin County | $448,233 | +0.7% | 0.77% |
| Collier County | $552,087 | -1.4% | 0.63% |
| Broward County | $422,344 | -1.6% | 0.94% |
| Franklin County | $422,234 | -2.5% | 0.63% |
| Manatee County | $408,269 | -2.5% | 0.78% |
| Gulf County | $403,845 | -1.0% | 0.63% |
| Orange County | $400,964 | -0.8% | 0.76% |
Frequently asked questions
What is the average home price in Saint Johns County, FL?
The typical home value in Saint Johns County is $492,987 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Saint Johns County?
About $137,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Saint Johns County?
The median effective rate is 0.76% of home value a year (Census ACS 2024 5-year estimates).