Real Estate Investing in Saint Augustine, Florida (32095)
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Should you buy in 32095 (Saint Augustine, FL)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
No major risk flags on the data we track.
What’s happening in Saint Augustine, FL (32095)?
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Market Analysis: 32095 Saint Augustine
Not every below-median market is a bargain. Saint Augustine's 32095 ZIP stands at signals that favor experienced operators who can absorb the risk $502K pricing implies.
The investment case in 32095 is solid only for operators who understand what they are buying. A $502K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
Nearby ZIPs in Saint Augustine have seen price recovery that 32095 has not matched. Saint Johns County data supports the view that the spread is structural rather than temporary.
Turning to rents, 18,927 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
Strategy in 32095 is an operator game, not a passive one. In practical terms, entry prices of $502K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Saint Augustine:
Property Strategy for 32095
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $276,633 | $1,690 | 4.4% | +5.0% | $138,317 |
| 3BR | $422,869 | $2,080 | 3.5% | +7.5% | $140,956 |
| 4BR | $578,672 | $2,610 | 3.2% | +8.1% | $144,668 |
| 5BR | $764,049 | — | — | +9.1% | $152,810 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 32095 Compare?
| Metric | 32095 | Saint Augustine | Jacksonville, FL | Florida |
|---|---|---|---|---|
| Home Value | $502,107 | $447,381 | N/A | $374,697 |
| 5-Year CAGR | 3.7% | 4.1% | N/A | 7.4% |
| Avg Rent | $2,215 | $2,082 | N/A | - |
| Cap Rate | 3.4% | 3.7% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 32095 (Saint Augustine, FL). Anonymous, moderated, never written by AI.
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Property managers serving Saint Johns County
Manage rentals here? List your business →Sovereign & Jacobs provides property management services in St. Augustine and Jacksonville, including accounting, rentals, and condo & homeowners association management. summary from their website
Alsop Property Management, a division of Alsop Companies, offers luxury rental properties and realty services for communities. summary from their website
Real Property Management Home Together provides property management services. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $502,107 |
| Monthly Rent | $2,215 |
| Price-to-Rent | 18.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.3% |
| Cap Rate | 3.4% |
| 5-Year IRR | 7.1% |
📈 Home Appreciation
| 1-Year | -2.5% ▼ |
| 3-Year CAGR | -2.0% ▼ |
| 5-Year CAGR | +3.7% ▲ |
| 10-Year CAGR | +5.2% ▲ |
🏠 Rent Trends
| 1-Year | +0.1% ▲ |
| 3-Year CAGR | +1.6% ▲ |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 32095
Population: 18,927
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 32095
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
What is the median home value in Saint Augustine, FL?
Typical homes in Saint Augustine, FL go for around $502K. The 5-year CAGR of 0.0% predictable price movement.
What is the renter demographic in Saint Augustine, FL?
Tenant quality in Saint Augustine, FL ranks as solid. Landlords generally report consistent occupancy at market rents of $2,215/mo.
Is Saint Augustine, FL good for landlords?
For rental operators, Saint Augustine, FL rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.
How does Saint Augustine, FL rate as a rental market?
Saint Augustine, FL rates 3.0/5 for investability. With median values at $502K and rents near $2,215/mo, the market offers reasonable fundamentals for rental investors.
Can I house hack in Saint Augustine, FL?
Saint Augustine, FL offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $2,215/mo rent level.
You know 32095 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 32095 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 32095 ranks in Jacksonville, FL
Every ZIP in this metro, ranked. Free.
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