Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

St. Augustine Beach Mortgage Calculator

Estimate your true cost of homeownership in St. Augustine Beach with localized property taxes, insurance, and utility data.

← Back to St. Augustine Beach Hub
Est. Total Monthly Cost
$4,984
P&I Payment$4,299
Taxes & Ins$538
Utilities$148
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this St. Augustine Beach scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$822,383
Local Median: $822,383
$164,477 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$4,984

Monthly Breakdown

Principal & Interest
$4,299
Property Taxes
$385
Homeowners Ins.
$153
Utilities
$148

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$889,785

Local Housing Facts for St. Augustine Beach

  • ·Median home value: $822,383 (adjusted for current market conditions)
  • ·Est. property taxes: $4,617/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,833/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,774/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in St. Augustine Beach?

Based on the local median home value, estimated real estate property taxes in St. Augustine Beach are around $4,617 per year.

What is the average home price in St. Augustine Beach?

The median home value in St. Augustine Beach is currently estimated at $822,383.

How much does homeowners insurance cost in St. Augustine Beach?

For a median priced home, homeowners insurance in St. Augustine Beach averages around $1,833 annually.

What is the true total cost of owning a home in St. Augustine Beach?

True homeownership costs go beyond principal and interest. In St. Augustine Beach, a typical homeowner with a median-priced home of $822,383 can expect to pay roughly $4,617/yr in property taxes, $1,833/yr for homeowners insurance, and $1,774/yr in energy utilities. That adds approximately $685 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.