St. Augustine, Florida
The nation's oldest city with historic charm and coastal beauty
St. Augustine, FL: Quick Facts (Updated August 2026)
What is the median home price in St. Augustine?
The median home price in St. Augustine is $450,000 as of August 2026. Historic district and waterfront properties command premium prices, but St. Johns County's low property tax rate offsets some of the higher home prices.
How far is St. Augustine from the beach?
About 5 to 10 minutes from St. Augustine Beach. St. Augustine Beach on Anastasia Island is just a short drive across the Bridge of Lions, offering pristine, uncrowded Atlantic coastline.
What are property taxes in St. Augustine?
The average property tax rate in St. Augustine is ~0.9%. St. Johns County has some of the lowest property tax rates in Florida at approximately 0.8% to 1.0% homesteaded, dramatically lower than Bergen County.
Is St. Augustine a good place to live?
St. Augustine is a small city in a large county city in St. Johns County with approximately 16,000 (city proper; county over 290,000) residents, the oldest continuously occupied European settlement in the continental US (founded 1565), with a Spanish colonial historic district, Castillo de San Marcos, and St. Johns County schools. It offers genuine character and history found nowhere else in Florida, combined with beautiful beaches and the state's strong sense of community.
What is the cost of living in St. Augustine?
The cost of living in St. Augustine is above the Florida average, but St. Johns County's low property tax rate provides strong overall value.
Data sources: Local county property appraiser records, Florida Realtors market data, U.S. Census Bureau estimates, and FEMA flood map data. Figures are approximate and subject to change.
St. Augustine is the oldest continuously occupied European settlement in the continental United States, founded in 1565. For NJ transplants seeking a Florida destination with genuine character, history, and a vibrant cultural scene, St. Augustine delivers in spades. The historic downtown is a living museum of Spanish colonial architecture, cobblestone streets, and centuries-old landmarks like the Castillo de San Marcos. But beyond tourism, St. Augustine offers a genuine community with a variety of community amenities, a growing job market anchored by tourism and healthcare, and some of the most beautiful beaches on Florida's Atlantic coast. It strikes a rare balance between being a world-class destination and a livable, welcoming community.
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St. Augustine is the oldest continuously occupied European settlement in the continental United States, founded in 1565. For NJ transplants seeking a Florida destination with genuine character, history, and a vibrant cultural scene, St. Augustine delivers with its historic downtown, cobblestone streets, and the iconic Castillo de San Marcos fortress. The median home price is around $450,000, with a range from $250,000 to $1.5 million-plus. Property tax rates average approximately 0.9%, the lowest in our guide and well below Bergen County's 2.3% average. St. Johns County School District serves the St. Augustine area. The historic downtown and beach areas offer distinct lifestyles, from 400-year-old Spanish architecture to modern coastal communities. Jacksonville International Airport (JAX) is about 50 minutes north. Homeowners insurance is notably lower than South Florida, typically $1,500 to $3,500 annually. St. Augustine is best for history buffs, culture enthusiasts, and NJ transplants seeking a community with genuine character and charm.
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Key Numbers for St. Augustine
Property Taxes
~0.9%
vs. Bergen County ~2.3%
Median Home Price
$450K
$300K to $1.2M+
State Income Tax
0%
vs. NJ up to 10.75%
Best For
History buffs and culture enthusiasts, Residents seeking established schools in the area, Those who want walkable historic downtown living, Beach lovers who prefer uncrowded, natural coastlines, NJ transplants seeking a community with genuine character and charm
Life in St. Augustine
The historic district is the heart and soul of St. Augustine. St. George Street is a pedestrian-only thoroughfare lined with shops, cafes, and historic sites. The Castillo de San Marcos, a 17th-century stone fortress, dominates the waterfront. The Lightner Museum, Flagler College, and the Cathedral Basilica are architectural masterpieces from the Gilded Age.
Anastasia Island, just across the Bridge of Lions, offers St. Augustine Beach with miles of pristine coastline perfect for swimming, surfing, and beachcombing. The St. Augustine Alligator Farm and the St. Augustine Lighthouse are popular attractions.
The arts scene is thriving, with galleries along Aviles Street (the oldest street in the US), the St. Augustine Art Association, and a robust calendar of festivals including the Nights of Lights holiday display and the St. Augustine Music Festival. The food scene ranges from fresh seafood at beachfront joints to farm-to-table dining in the historic district.
Property Tax Comparison: Bergen County vs. St. Augustine
St. Augustine is in St. Johns County, which has some of the lowest property tax rates in Florida. The effective rate for homesteaded properties is approximately 0.8% to 1.0% of assessed value, dramatically lower than Bergen County's 2.05% to 2.73%. Combined with no state income tax, the annual savings for NJ transplants are substantial.
Bergen County, NJ
~2.3%
On a $600,000 home: ~$13,800/year
St. Augustine, FL
~0.9%
On a $450,000 home: approximately $4,050/year. Bergen County equivalent: ~$10,350/year.
Florida homeowners enjoy no state income tax and property taxes roughly half of Bergen County's rates.
This is educational information only. Consult a licensed CPA or tax attorney for advice specific to your situation.
Schools & Education
St. Augustine is served by the St. Johns County School District. The district operates elementary, middle, and high schools throughout the county.
- St. Johns County School District serves the St. Augustine area
- St. Augustine High School serves the community
- Elementary schools including W.D. Hartley and R.B. Hunt
- Pedro Menendez High School and Allen D. Nease High School nearby
- Flagler College and St. Johns River State College locally
Getting Back to New Jersey
Jacksonville International Airport (JAX) is about 50 minutes north and offers non-stop flights to Newark (EWR) and LaGuardia (LGA). Driving to Bergen County is approximately 12-13 hours via I-95.
Insurance Considerations
Homeowners insurance in St. Augustine is moderate compared to South Florida, typically ranging from $2,500 to $5,500 annually. Properties closer to the coast or in flood zones will pay more. Newer construction with wind mitigation features can reduce premiums significantly.
Insurance rates and availability vary by carrier, location, and property type. Consult your carrier or a licensed Florida insurance agent for current rates and coverage options.
Renting in St. Augustine
America's oldest city with historic charm, beach access, and a unique lifestyle.
Rental Market Snapshot
What Renters Are Paying
Average rent across all unit types: approximately $1,800/mo.
What You Get for That Rent
St. Augustine is America's oldest city, offering a unique blend of historic charm and beach living. The rental market includes historic cottages in the downtown district, beachfront condos on Anastasia Island, and newer developments throughout the metro. The city's cobblestone streets, historic landmarks, and vibrant restaurant scene make it one of Florida's most charming places to live.
Florida Renter Protections: What You Need to Know
Security Deposits
Florida does not cap security deposits. Landlords can charge any amount, though one to two months' rent is standard. Landlords must hold deposits in a separate non-interest-bearing account or post a surety bond. After move-out, they have 15 days to return the deposit with no deductions, or 30 days to send written notice of any claimed damages.
Lease Terms and Notice
Florida is a default-eviction state. Landlords can terminate a month-to-month tenancy with 15 days' written notice. For nonpayment of rent, landlords can issue a 3-day notice to pay or vacate. There is no statewide just-cause eviction requirement, though local ordinances may add protections.
HOA Rental Restrictions
Many St. Augustine communities are governed by HOAs that restrict rentals. Common restrictions include minimum lease terms of 6 to 12 months, caps on the percentage of units that can be rented, and tenant approval requirements. Always verify HOA rules before signing a lease, as these restrictions can limit your options.
Source: Florida Statutes Chapter 83, Landlord and Tenant
Where History Meets the Beach
Living in St. Augustine means having a 450-year-old historic district as your backyard. The cobblestone streets of the nation's oldest city are lined with Spanish colonial architecture, horse-drawn carriages, and centuries-old landmarks. Flagler College's campus is a masterpiece of Gilded Age architecture, and the Castillo de San Marcos is a daily reminder of the city's deep history. For renters who appreciate culture, the downtown lifestyle is unmatched anywhere in Florida.
Just across the Bridge of Lions, Anastasia Island offers St. Augustine Beach with miles of pristine Atlantic coastline. The beaches here are far less crowded than South Florida's, with natural dunes and a laid-back surf culture. Vilano Beach offers a quieter, more residential beach experience. For active renters, the area delivers kayaking on the Matanzas River, paddleboarding in the salt marshes, and hiking in the nearby Guana Tolomato Matanzas National Estuarine Research Reserve.
The food and arts scene punch well above the city's size. Aviles Street, the oldest street in the US, is lined with art galleries. The St. Augustine Amphitheatre draws national touring acts. The annual Nights of Lights holiday display transforms the historic district into a glowing wonderland. For NJ transplants, St. Augustine offers a slower, richer pace of life where every day feels connected to something meaningful.
Scott Selleck knows the Florida market and can help you find the right rental in historic St. Augustine, from downtown cottages to beachfront condos.
Commute Options for Renters
Sunshine Bus
Route: St. Johns County local routes
Coverage: Historic district, beaches, and county areas
Fare: $1.50 per ride / $50 monthly pass
Best for: Local trips downtown and to the beach
Amtrak
Route: Palatka or Jacksonville stations
Time: 30 min drive to Palatka, 50 min drive to Jacksonville
Service: Silver Star/Silver Meteor to Northeast
Best for: Long-distance travel, NJ visits without flying
Driving
Route: I-95 and US-1
Time: 5 min to downtown, 10 min to the beach, 50 min to Jacksonville
Commute: Light traffic compared to South Florida
Parking: Paid lots downtown, free at most apartment complexes
What It Actually Costs to Rent in St. Augustine
Monthly Rent
Median $1,800/mo for a typical 1-2 bedroom apartment
Security Deposit
No state cap. Standard is 1-2 months' rent
Utilities
Electric $100-$180/mo (FPL), water $30-$60/mo, internet $60-$90/mo
Renters Insurance
Commonly required by landlords. $15-$30/mo
HOA Fees
Some communities charge $50-$200/mo for amenities
Pet Costs
Monthly pet rent $25-$75. Breed restrictions common in HOA communities
All figures are estimates based on current St. Augustine market data as of August 2026. Actual costs vary by community, unit size, and lease terms.
Is St. Augustine Right for You?
This town is an excellent match if you're looking for:
Questions About St. Augustine?
St. Augustine is one of Florida's most unique communities. I can help you explore the historic district, the beach areas, and everything in between.
Frequently Asked Questions About St. Augustine
Is St. Augustine expensive to live in?
The median home price is around $450K, higher than the Florida average, but property taxes are low (St. Johns County effective rate ~0.9%). The cost of living is moderate for a coastal community with well-regarded amenities.
Is St. Augustine only for tourists?
No. While tourism is an important part of the economy, St. Augustine has a strong year-round community with a growing job market in healthcare, tourism, and professional services.
What is the closest airport to St. Augustine?
Jacksonville International Airport (JAX) is about 50 minutes north with non-stop flights to Newark and LaGuardia. It is convenient for NJ transplants who travel back regularly.
How far is St. Augustine from the beach?
St. Augustine Beach on Anastasia Island is just a 5 to 10 minute drive from the historic district. The beaches are pristine and far less crowded than South Florida.
What makes St. Augustine a popular destination?
The historic charm, quiet residential areas, abundant outdoor activities, and strong sense of community make St. Augustine one of the most popular destinations in Florida.
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