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Florida Mortgage Brokerage

St. Johns County

Mortgage options in St. Augustine

Published market figures for St. Augustine, with the source and period for each, and the loan programs most relevant here.

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Market data

The St. Augustine market, with its sources

Published figures for this market, each with the geography it measures, the period it covers and the source it came from. Where a figure covers a wider metro area than this page, it says so.

A median sale price is not a valuation, a closed-sales count is not a count of mortgages written, and neither is an indication of what any lender will approve. Figures are as reported on the date shown and are not updated continuously.

What is different here

What those figures mean in St. Augustine

Each point below reads the figures above rather than restating them. They are the things that are true of this market and not of Florida generally.

  1. St. Augustine is in St. Johns County. The sales and median figures above are Jacksonville MSA — five counties — and are not a St. Augustine median; the origination figures are St. Johns County and are not a city count. Neither set describes one neighbourhood.

  2. Of 11,151 mortgage originations reported in St. Johns County in 2025, 8,281 (74.3%) were conventional, 1,438 (12.9%) FHA and 1,410 (12.6%) VA. FHA and VA are within 28 loans of each other here, so neither is the obvious default.

  3. The county's 2026 FHA limit is $580,750 against a conforming limit of $832,750 — a gap of $252,000. For a property priced between those two figures, conventional is the agency route and FHA is not available at all, whatever the borrower's credit looks like.

  4. Where a property's age or condition is in question, two separate decisions follow and they are often confused. FHA's property-condition standards are applied through the appraisal and belong to the lender's file; an insurer's willingness to write wind or flood coverage on the same house is a separate decision by a separate company. A loan can be approvable on a house that is difficult to insure, and the insurance problem will still stop the purchase.

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Pathways that apply anywhere in Florida

These explain how each program works anywhere in Florida. The market pages above cover what changes locally.