The story of this market
The typical home in ZIP 32092 sells for about $404,000, or $215 per square foot.
Prices are down 3.4% from a year ago, which gives buyers more room to negotiate. Homes take about 85 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $2,424 a month.
ZIP 32092 — Saint Johns
The 32092 housing market is currently experiencing a period of price adjustment, with a year-over-year decline of 3.4% as buyers react to higher interest rates. Despite this, the area remains highly desirable due to its top-tier school district and ongoing development in master-planned communities. Inventory levels are moderate, and homes that are priced competitively continue to move at a steady pace.
This ZIP is ideal for families and professionals seeking high-quality schools, suburban amenities, and a community-focused lifestyle within commuting distance of major employment centers.
Median prices moved down 3.4% year over year.
Homes spend a median of 85 days on market with 4.2 months of supply — a balanced-paced market.
15% of listings have cut prices · homes sell at 97.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 2.0% · poverty 5.4% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 32092, St. Johns County FL
Crime rates in the 32092 area are generally lower than the national average, reflecting the suburban and family-oriented nature of St. Johns County.
The area is served by the St. Johns County School District, which is consistently ranked among the highest-performing public school systems in Florida.
The region faces moderate risks from tropical storms and hurricanes, necessitating standard windstorm insurance coverage and adherence to local flood zone building codes.
The area is experiencing significant residential and commercial expansion, driven by its proximity to Jacksonville and the continued development of master-planned communities.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Florida) — Statewide Uniform Property Tax Lien Priority & Tax Deed Sale Enforcement: Unpaid real ad valorem and non-ad valorem taxes become a first-priority sovereign lien on January 1 of the tax year, superior to all mortgages and private liens. If unpaid by April 1 following the tax year, tax certificates are sold via competitive bidding under § 197.432. State (Florida) — Community Development District (CDD) Special Assessment & Financing Lien Mandate: Binds the parcel to non-ad valorem assessments levied directly by the CDD board to fund infrastructure bonds (capital assessments) and operations/maintenance (O&M assessments). State (Florida) — Florida Constitutional Homestead Exemption & Save Our Homes (SOH) Assessment Cap: Reduces taxable value by up to $50,000: base $25,000 exemption applies to all taxing authorities (including school districts); second $25,000 exemption applies to assessed value between $50,000 and $75,000 for non-school millage. State (Florida) — Florida Ad Valorem Real Property Assessment & Tax Mechanics: Parcels are assessed annually at 100% just value (market value) as of January 1 by county property appraisers. Tax formula: Tax Bill = (Taxable Value / 1,000) * Total Levied Millage Rate. Assessed Value = Just Value - Assessment Limitations.
Residents primarily commute by car to employment hubs in Jacksonville and St. Augustine, with travel times typically ranging from 30 to 45 minutes depending on traffic.
The ZIP features extensive access to golf courses, community parks, and nature trails, with proximity to the St. Johns River and coastal beaches.
The rental market is characterized by high demand from families and professionals, with limited vacancy pressure and a steady influx of new inventory from single-family home investors.
The local economy is anchored by the education, healthcare, and professional services sectors, with significant employment spillover from the Jacksonville metropolitan area.
Transportation is heavily reliant on private vehicles, with major access provided by I-95 and SR 13, connecting the area to regional employment hubs.
Development is focused on the expansion of master-planned communities and supporting retail infrastructure along the major corridors.
The St. Johns County Property Appraiser manages assessments, ensuring property values are updated annually based on market sales data.
Parcels in this ZIP are subject to various special districts, including Community Development Districts (CDDs) for infrastructure maintenance and utility services.
Property insurance premiums are influenced by regional hurricane risk, with many homeowners utilizing state-backed or private market coverage.
Florida continues to see strong net domestic migration, with St. Johns County being a primary destination for families relocating from other states.
Florida is a judicial foreclosure state, requiring court intervention for the foreclosure process, which typically provides a longer timeline for homeowners.
Sellers are required to provide a written disclosure of known material defects affecting the property's value.
Data retrieved from data.census.gov for ZCTA 32092.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
A premier golf facility serving the local community.
A large community park offering sports fields and recreational space.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.