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St. Augustine

Current Mortgage Rates in St. Augustine, Florida

Compare mortgage rates and fees for leading lenders in St. Augustine, FL. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lender offering the best mortgage rates in St. Augustine.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in St. Augustine. Plus, shopping lenders is free and there is no obligation.

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Mortgage Rates in St. Augustine, FL as of December 10, 2019
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Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click for more information on rates and product details.

How Do Today's St. Augustine, FL Mortgage Rates Compare?

December 10, 2019

The current average rate for a 30 year fixed rate mortgage in St. Augustine is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Today's
St. Augustine, FL Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.690%
15 Year Fixed Rate
B.BBB%
3.150%
5/1 Adjustable Rate Mortgage
C.CCC%
3.350%

How Affordable is Housing in St. Augustine, Florida?

The median home value for St. Augustine, FL (St. Johns County) is $329,741

The median household income for St. Augustine, FL (St. Johns County) is $75,891

Based on current mortgage rates and a 10% down payment, you need to make $61,177 per year to buy the median priced home in St. Augustine

The home price you can afford to buy based on household income in St. Augustine is 124% of the median home value which means housing prices are average

St. Augustine (St. Johns County) ranks 49 out of 67 counties in Florida and 2,837 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in St. Augustine, FL is average

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Loan Limits for St. Augustine, Florida

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for St. Augustine (St. Johns County) below.

Conforming loan limits for St. Augustine, FL

1 unit: $484,350
2 units: $620,200
3 units: $749,650
4 units: $931,600

FHA loan limits for St. Augustine, FL

1 unit: $358,800
2 units: $459,300
3 units: $555,200
4 units: $690,000

VA loan limits for St. Augustine, FL

1 unit: $484,350

Additional Mortgage Resources for St. Augustine, FL Residents

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Sources

US Census Bureau American Community Survey: https://www.census.gov/programs-surveys/acs

FHFA House Price Index: https://www.fhfa.gov/DataTools/Downloads/Pages/House-Price-Index-Datasets.aspx#qat

Income Growth: https://www.bls.gov

National Average Rates: http://www.freddiemac.com/pmms/

Conforming Loan Limits: https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx

FHA Loan Limits: https://entp.hud.gov/idapp/html/hicostlook.cfm

VA Loan Limits: https://www.benefits.va.gov/homeloans/purchaseco_loan_limits.asp

FREEandCLEAR Housing Affordability Index