Saint Augustine, FL · standard
ZIP Code 32095
St. Johns County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 7,302
- 57/sq mi Moderate-density area
- $136,038
- Median income Above-median income area
- $525,000
- Median home value Above-median home value
- 56.4%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Saint Augustine pairs a top-decile household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 6%
- household income, US ZIPs
- Top 12%
- home value, US ZIPs
- 57
- people per sq mi
- 92%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32095 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 32095 (Saint Augustine, FL) rose +21.1% from 2023 to 2024. The all-transactions index moved from 343.4 in 2023 to 416.0 in 2024 (2000 = 100).
ZIP code 32095 is a mid-sized community (a standard USPS delivery area) in Saint Augustine, St. Johns County, Florida, home to 7,302 residents across 129.0 square miles, a density of 57 people per square mile, in the New York time zone.
ZIP 32095 skews affluent, with a median household income of $136,038 (76% above the average Florida ZIP), while per-capita income is $58,849. The poverty rate is 7.5%, with unemployment at 4.6%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $525,000 (40% above the average Florida ZIP), while 92.0% of occupied homes are owner-occupied and median rent is $2,676.
This is a highly-educated ZIP: 56.4% of adults hold a bachelor's degree or higher, the median age is 42.7, and the average commute is 29 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in St. Johns County, so 32095 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 32095
Top 5 sectors by establishment count in Saint Augustine, FL
Which industries have the most business establishments in ZIP 32095.
- Professional, scientific, and technical services
Professional, scientific, and technical services
88 establishments
- Construction
Construction
73 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
53 establishments
- Retail trade
Retail trade
52 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
49 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 32095, Saint Augustine, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
7,302
Population
129.0
Area (sq mi)
57
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 32095?
42.7
Median Age
48.0%
Male
52.0%
Female
15.9%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$136,038
Median Household Income
+76% vs state ZIP avg
$58,849
Per Capita Income
7.5%
Poverty Rate
4.6%
Unemployment Rate
29.0 min
Mean Commute Time
How ZIP 32095 ranks among Florida ZIPs
Saint Augustine, FL household income vs. every Florida ZIP code
Median household income among 946 reporting Florida ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$136,038 Top 3% higher than 97% of 946 Florida ZIPs
Each bar is a $20K-wide band; taller bars hold more Florida ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
8,149housing units
8,149
Total Housing Units
7,302
Occupied Units
847
Vacant Units
2.88
Avg Household Size
Occupancy Type
$525,000
Median Home Value
+40% vs state ZIP avg
$2,676
Median Rent
2014
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+21.1%
YoY Change (2024)
416
HPI Index (2000 = 100)
+316%
Total Change Since 2000
Home values in ZIP 32095 have increased 21.1% over the past year (2024). Since 2000, this ZIP has seen +316% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -2.0% | 214 |
| 2021 | +22.4% | 261 |
| 2022 | +23.3% | 322 |
| 2023 | +6.6% | 343 |
| 2024 | +21.1% | 416 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 572 business establishments in ZIP 32095, employing approximately 4,148 people with a combined annual payroll of $229,202,000.
572
Businesses
4,148
Employees
$229.2M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 88 | 15.4% |
| Construction | 73 | 12.8% |
| Administrative and support and waste management and remediation services | 53 | 9.3% |
| Retail trade | 52 | 9.1% |
| Real estate and rental and leasing | 49 | 8.6% |
| Health care and social assistance | 47 | 8.2% |
| Accommodation and food services | 42 | 7.3% |
| Other services (except public administration) | 36 | 6.3% |
| Transportation and warehousing | 28 | 4.9% |
| Finance and insurance | 26 | 4.5% |
| Wholesale trade | 21 | 3.7% |
| Educational services | 21 | 3.7% |
| Manufacturing | 14 | 2.5% |
| Information | 11 | 1.9% |
| Arts, entertainment, and recreation | 10 | 1.8% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 32095 vs 32081 →
ZIP 32095 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32084
Saint Augustine (32084)
29,729 residents
- 32082
Ponte Vedra Beach (32082)
28,996 residents
- 32092
Saint Augustine (32092)
28,242 residents
- 32258
Jacksonville (32258)
26,759 residents
- 32095 7,302
Saint Augustine (32095)
7,302 residents
- 32081 4,524
Ponte Vedra (32081)
4,524 residents
What this shows Among its immediate neighbors, ZIP 32095 ranks #5 by population - useful context the national average alone can't give.
ZIP 32095 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32095
Saint Augustine (32095)
$136,038 median income
- 32081
Ponte Vedra (32081)
$131,624 median income
- 32092
Saint Augustine (32092)
$131,020 median income
- 32082
Ponte Vedra Beach (32082)
$124,558 median income
- 32258
Jacksonville (32258)
$102,204 median income
- 32084
Saint Augustine (32084)
$73,837 median income
What this shows By household income, ZIP 32095 ranks the highest of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32095, both outside FL so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (7,302 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in St. Johns County
Related Areas
Frequently Asked Questions
What county is ZIP code 32095 in?
ZIP code 32095 (Saint Augustine) is located in St. Johns County, Florida. St. Johns County contains multiple ZIP codes, see the full list at /counties/st-johns-fl.
What is the population of ZIP code 32095?
ZIP code 32095 in Saint Augustine, FL has a population of 7,302 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32095?
The median household income in ZIP 32095 is $136,038, which is 78% above the national average of $76,288.
What is the average home value in ZIP 32095?
The median home value in ZIP 32095 is $525,000, which is 89% above the national average of $278,155.
What is the demographic makeup of ZIP 32095?
The largest racial group in ZIP 32095 is White at 77.7%. Hispanic or Latino residents make up 9.9% of the population.
How many businesses are in ZIP code 32095?
ZIP code 32095 has 572 business establishments employing approximately 4,148 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32095?
The top industries by establishment count in ZIP 32095 are: Professional, scientific, and technical services (88), Construction (73), Administrative and support and waste management and remediation services (53). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 32095?
According to the FHFA House Price Index, home values in ZIP 32095 increased by 21.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 316%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 32095?
In ZIP code 32095, 72.0% of residents aged 25+ have a high school diploma or higher, and 56.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 32095?
The mean commute time for workers in ZIP code 32095 is 29.0 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 32095?
In ZIP code 32095, approximately 92.0% of occupied housing units are owner-occupied and 8.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32095?
The poverty rate in ZIP code 32095 is 7.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 32095's numbers, next.
- See how ZIP 32095 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Saint Augustine, FL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.