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Florida Mortgage Brokerage

St. Johns County

Mortgage options in St. Johns County

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

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Market data

The St. Johns County 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. Johns County

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. This page covers St. Johns County and the St. Augustine page covers the city inside it, so the county figures on both are the same numbers by design rather than by oversight.

  2. Within the Jacksonville MSA, conventional lending's share rises with county price level: 74.3% of St. Johns County's 11,151 reported originations in 2025, against 68.0% in Nassau and 52.2% in Clay. The same FHA limit of $580,750 applies across all three.

  3. On a construction-to-permanent loan the appraisal is made against plans and specifications rather than a finished house, and the loan is underwritten before the thing it is secured by exists. That puts the build timetable inside the loan rather than beside it, and a long build can outlast the terms a file was approved under.

  4. Where a community development district applies, its assessment is a non-ad-valorem charge collected on the property tax bill. It is a real monthly cost and it is set by the district rather than by the lender, so it belongs in the qualifying payment from the start — a payment estimated without it understates what the house costs to own.

Start here instead

Pathways that apply anywhere in Florida

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