PlainZIP

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
$136,038
Median income
$525,000
Median home value
56.4%
Bachelor's or higher

The verdict

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.

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 Florida average), while per-capita income is $58,849. The poverty rate stands at 7.5% and the unemployment rate at 4.6%. Median home value sits at $525,000 (40% above the state average), median rent at $2,676 a month, and owner-occupancy at 92.0%.

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. A geography-based comparison follows: 5 ZIP codes within about 10 miles of 32095, plus 6 more within St. Johns County, give a clearer read than the national average alone.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 32095?

42.7

Median Age

48.0%

Male

52.0%

Female

15.9%

Foreign-Born

White 77.7%
African American 5.7%
Asian 6.6%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.1%
Hispanic or Latino 9.9%

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

$58,849

Per Capita Income

7.5%

Poverty Rate

4.6%

Unemployment Rate

29.0 min

Mean Commute Time

How ZIP 32095 ranks nationally

Saint Augustine, FL household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$136,038 Top 6% higher than 94% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 72.0%
Bachelor's Degree or Higher 56.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

8,149

Total Housing Units

7,302

Occupied Units

847

Vacant Units

2.88

Avg Household Size

Occupancy Type

Owner 92.0%
Renter 8.0%

$525,000

Median Home Value

+40% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 32095 ranks #5 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 32095 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
32081 Ponte Vedra, FL 4,524 7.6 mi
32084 Saint Augustine, FL 29,729 7.0 mi
32082 Ponte Vedra Beach, FL 28,996 8.3 mi
32092 Saint Augustine, FL 28,242 8.1 mi
32258 Jacksonville, FL 26,759 12.0 mi

More ZIP Codes in St. Johns County

32259 standard
Saint Johns, FL
Pop: 36,917
32084 standard
Saint Augustine, FL
Pop: 29,729
32082 standard
Ponte Vedra Beach, FL
Pop: 28,996
32092 standard
Saint Augustine, FL
Pop: 28,242
32086 standard
Saint Augustine, FL
Pop: 24,546
32080 standard
Saint Augustine, FL
Pop: 20,165

Related Areas

St. Johns County Saint Augustine, FL Florida

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.

Read our methodology to see how this data is sourced, computed, and verified.