Therase Huff

Nearly 45% of St. Augustine's population is age 45 or older, drawn by the city's historic character, coastal climate, and lively arts and culture scene.

The cost of living in St. Augustine runs about 12% above the national average, with a median home price around $490,000, though prices vary significantly between the historic district and surrounding St. Johns County.

Single family historic homes with Spanish influences inside the city tend to run above average, while newer, less expensive options and condos are more common just outside the old city.

Homes along the Intracoastal Waterway or on Anastasia Island tend to command a premium, offering retirees waterfront living just across the Bridge of Lions from downtown St. Augustine.

Retirees in St. Johns County have access to golf, community theater, and low cost continuing education courses through Flagler College, covering everything from digital marketing to belly dancing.

The St. Johns Council on Aging provides local seniors with services like prescription drug assistance and legal aid, part of why the area is often cited as retirement friendly.

The SHIP program offers down payment help for first time buyers purchasing a primary residence in St. Johns County, though the purchase price cannot exceed $400,000 and applicants must have lived or worked locally for at least 12 months.

Teachers, nurses, and other frontline workers employed in St. Johns County can receive up to $35,000 in down payment and closing cost assistance through this statewide program, plus a lower first mortgage rate.

Most St. Johns County assistance programs require applicants to complete a HUD certified Homebuyer Education class through the county's Housing and Financial Counseling Program before closing.

St. Johns County's Housing and Financial Counseling team offers one-on-one credit counseling to help first time buyers rebuild or strengthen their credit history before applying for assistance.

In St. Johns County, a first time buyer is generally defined as someone who has not owned a home in the past three years, not necessarily someone who has never owned one at all.

St. Johns Housing Partnership offers HUD certified counselors who help buyers navigate Down Payment Assistance options like Florida Bond, HOP, and SHIP, especially useful for buyers who've had bumps in their credit history.

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