ZIP Code 32095 — Saint Augustine, FL Home Prices (2026)

The typical home in ZIP 32095 (Saint Augustine, Florida) is worth about $502,000 at roughly $231 per square foot — 7% more expensive than the Saint Augustine median and 71% more expensive than the typical U.S. home.

$502,000

Typical home value

$231

Price per sq ft

#2 of 5

Saint Augustine ZIPs by value

+7%

vs Saint Augustine median

How 32095 compares

ZIP 32095 is one of the pricier ZIP codes in Saint Augustine: its typical home value of $502,000 ranks #2 of the 5 Saint Augustine ZIP codes we track (the citywide range runs from $353,000 in 32084 to $541,000 in 32080). Per square foot it costs about $231, against $232 for Saint Augustine as a whole, $229 for Florida, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 32095	$502,000	$231
Saint Augustine, FL	$470,000	$232
Florida	$349,000	$229
United States	$294,000	$195

Home value by size in 32095

Using this ZIP’s rate of about $231 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$231,000
1,500 sq ft	$346,500
2,000 sq ft	$462,000
2,500 sq ft	$577,500
3,000 sq ft	$693,000

Salary needed to buy a home in ZIP 32095

To buy the typical $502,000 home in ZIP 32095 with 20% down, you need a household income of roughly $137,000 a year (about $3,190 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $162,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$25,100	$3,960/mo	$170,000/yr
10% (+PMI)	$50,200	$3,790/mo	$162,000/yr
20%	$100,400	$3,190/mo	$137,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 32095

At about $231 per square foot, here is roughly how much home different budgets get you in ZIP 32095:

Budget	Approx. size	What that looks like locally
$250k	1080 sq ft	below the local median — condos, smaller or older homes
$300k	1300 sq ft	below the local median — condos, smaller or older homes
$400k	1730 sq ft	below the local median — condos, smaller or older homes
$500k	2160 sq ft	around the typical home here
$600k	2600 sq ft	around the typical home here

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 32095 home.

Estimate a specific home in 32095

The estimator below is pre-set to ZIP 32095 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Saint Augustine ZIP codes by home value

Where 32095 sits among Saint Augustine’s 5 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	32080	$541,000	$405
2	32095 (this page)	$502,000	$231
3	32092	$470,000	$229
4	32086	$372,000	$232
5	32084	$353,000	$262

ZIP 32095 home prices: frequently asked

What is the average home price in ZIP code 32095? +

The typical home in ZIP 32095 (Saint Augustine, FL) is worth about $502,000 as of 2026. That is 7% more expensive than the Saint Augustine median of $470,000 and 71% more expensive than the U.S. median of $294,000.

What is the price per square foot in 32095? +

About $231 per square foot in 32095, versus $232 across Saint Augustine and $229 across Florida. At that rate a 1,500 sq ft home runs roughly $346,500 and a 2,500 sq ft home about $577,500.

What salary do you need to buy a house in ZIP 32095? +

For the typical $502,000 home in ZIP 32095, a household income of about $137,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $162,000; with 5% down about $170,000.

Is 32095 an expensive ZIP code? +

Within Saint Augustine, 32095 ranks #2 of 5 ZIP codes by typical home value, which makes it one of the pricier ZIP codes in Saint Augustine. Nationally it is relatively expensive.

See the full Saint Augustine home values page, all Florida cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.