32095 ZIP Code — Saint Augustine, FL

Saint Johns County, Florida

ZIP code 32095 is located in Saint Augustine, Florida, within Saint Johns County. It covers approximately 57.39 square miles and serves a population of 16,419 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 904.

About ZIP code 32095

The housing stock consists of predominantly single-family detached homes. Much of the housing stock is relatively new, reflecting recent development activity. Median home value is $461,900. Owner-occupancy is high at 91%, well above the national average.

The gap between median ($111,084) and mean household income suggests income inequality — a small number of higher earners pull the average up. 32% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 27 minutes is near the national average. Remote work is prevalent — 28% of workers work from home.

Educational attainment is high — 50% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 32095 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

16,419

population

57.39

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

32095 ZIP code map

Cities in ZIP code 32095

Below are the cities the US Postal Service accepts for ZIP code 32095. Using any city not on this list may result in mail delivery delays.

City	Status
Saint Augustine	Acceptable
Saint Augustine	Preferred

Nearby ZIP codes

32082 Ponte Vedra Beach (5.4 mi) 32081 Ponte Vedra (6.8 mi) 32084 Saint Augustine (9.7 mi) 32259 Saint Johns (10.3 mi) 32258 Jacksonville (11.3 mi) 32092 Saint Augustine (11.6 mi) 32256 Jacksonville (12.4 mi) 32223 Jacksonville (16.6 mi) 32033 Elkton (16.9 mi) 32257 Jacksonville (17.1 mi) 32250 Jacksonville Beach (17.2 mi) 32224 Jacksonville (18.2 mi)

Demographics updated 05/2026

Population
Total population	16,419
Population density	286 / sq mi
State FIPS	12
County FIPS	109

Geography
Land area	57.39 sq mi
Water area	3.45 sq mi
Latitude	30.0311
Longitude	-81.4056
Timezone	Eastern (ET)
Area code	904

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.1%	27.9%	43.4%
$50k – $100k	25.4%	29.6%	30.8%
$100k – $200k	23.0%	29.5%	19.3%
Over $200k	19.5%	13.0%	6.4%

Demographics & statistics

16,419

Population

286

People per sq mi

42.1

Median age

$111,084

Median household income

$50,146

Per capita income

$461,900

Median home value

$1,281

Median monthly rent

90.6%

Home ownership

8.7%

Poverty rate

4.9%

Unemployment

5,632

Housing units

50.2%

Bachelor's or higher

Age distribution

Male Female

561

Under 5

542

557

5–9

538

703

10–14

680

494

15–19

477

374

20–24

361

792

25–34

766

1,061

35–44

1,027

1,264

45–54

1,222

356

55–59

344

720

60–64

697

1,057

65–74

1,023

384

75–84

372

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	4,272	26.0%
18 and over	12,147	74.0%
65 and over	2,883	17.6%
Median age	42.1 years

Race & ethnicity

White 77.2%

Hispanic or Latino 5.8%

Black or African American 5%

Asian 4.7%

Two or more races 4%

Other race 3.1%

American Indian / Alaska Native 0.2%

Group	Count	%
White	13,463	77.2%
Hispanic or Latino	1,013	5.8%
Black or African American	864	5%
Asian	819	4.7%
Two or more races	693	4%
Other race	544	3.1%
American Indian / Alaska Native	36	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.1%	27.9%	43.4%
$50k – $100k	25.4%	29.6%	30.8%
$100k – $200k	23.0%	29.5%	19.3%
Over $200k	19.5%	13.0%	6.4%

Under $10k 2.6%

$10k–$15k 0.9%

$15k–$25k 6.0%

$25k–$35k 8.7%

$35k–$50k 6.6%

$50k–$75k 11.0%

$75k–$100k 8.6%

$100k–$150k 18.1%

$150k–$200k 15.4%

$200k+ 22.1%

Range	% of households
Under $10k	2.6%
$10k–$15k	0.9%
$15k–$25k	6.0%
$25k–$35k	8.7%
$35k–$50k	6.6%
$50k–$75k	11.0%
$75k–$100k	8.6%
$100k–$150k	18.1%
$150k–$200k	15.4%
$200k+	22.1%
Median income	$111,084

Housing

Home values

Under $50k 1.5%

$50k–$100k 2.1%

$100k–$150k 4.4%

$150k–$200k 6.8%

$200k–$300k 6.2%

$300k–$500k 38.3%

$500k–$1M 31.5%

$1M+ 9.2%

Housing overview

Metric	Value
Median home value	$461,900
Median rent / month	$1,281
Owner occupied	90.6%
Renter occupied	9.4%
Vacant	6.2%
Single-family detached	78.9%
Large apartment buildings	1.0%
Mobile homes	15.6%
Median rooms	6.7
Avg household size (owned)	2.81

Year built

Era	%
2020 or later	10.9%
2010–2019	45.2%
2000–2009	21.3%
1990–1999	8.0%
1980–1989	7.1%
1970–1979	2.7%
1960–1969	3.5%
1950–1959	1.3%
1940–1949	0.0%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.0%
2 bedrooms	10.6%
3 bedrooms	35.2%
4 bedrooms	42.9%
5+ bedrooms	11.4%

Vehicles per household

Vehicles	% of households
No vehicle	1.8%
1 vehicle	24.5%
2 vehicles	49.6%
3 or more	24.0%

Heating fuel

Fuel type	%
Utility gas	18.5%
Electricity	78.6%
No fuel used	3.0%

Households & families

Household type	Count	%
Married-couple family	4,065	70.2%
Cohabiting couple	454	7.8%
Male householder, no spouse	619	10.7%
Female householder, no spouse	653	11.3%
Households with children under 18	2,352	40.6%
Households with seniors (65+)	1,848	31.9%
Average household size	2.80

Marital status

Status	Male	Female
Never married	15.9%	14.8%
Married	65.9%	65.6%
Separated	0.5%	0.9%
Widowed	1.4%	7.4%
Divorced	16.3%	11.3%

Education

Less than 9th grade 0.5%

Some HS, no diploma 3.1%

HS graduate 20.9%

Some college, no degree 13.6%

Associate's degree 11.7%

Bachelor's degree 25.8%

Graduate / professional 24.5%

Metric	%
HS diploma or higher	96.5%
Bachelor's or higher	50.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	541	12.2%
Kindergarten	206	4.7%
Elementary school	2,004	45.2%
High school	934	21.1%
College / grad school	745	16.8%

Employment

Industry of employment

Education & healthcare 18.6%

Professional & management 16.1%

Retail trade 14.3%

Finance & real estate 10.4%

Arts, food & hospitality 7.4%

Other services 6.5%

Manufacturing 6.4%

Transportation & utilities 5.8%

Construction 4.5%

Public administration 3.6%

Wholesale trade 2.8%

Information 2.3%

Agriculture & mining 1.4%

Occupation

Category	%
Management, business & arts	53.2%
Service	11.8%
Sales & office	19.5%
Natural resources & construction	4.4%
Production & transportation	11.1%

Employment type

Type	%
Private sector	86.0%
Government	8.7%
Self-employed	5.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	59.7%
Carpool	10.1%
Public transit	0.0%
Walk	0.0%
Work from home	27.9%
Other means	2.3%
Avg commute (minutes)	27.3

Poverty

All people 8.7%

Under 18 years 13.3%

18 and over 7.0%

Married-couple families 6.3%

Female-led households 0.0%

Income support

Source	% of households
Social Security	31.5%
Retirement income	28.6%
Supplemental Security	1.1%
Cash public assistance	0.5%
Food stamps / SNAP	7.3%

Health indicators

Condition	%
Obesity	25.3%
High blood pressure	28.8%
High cholesterol	29.8%
Diabetes	7.9%
Heart disease	5.1%
Stroke	2.2%
Asthma	8.1%
Arthritis	19.2%
Kidney disease	2.3%
Pulmonary disease	5.7%
Cancer	6.0%

Behavior / access	%
Smoking	14.8%
Binge drinking	18.8%
No physical activity	16.8%
Less than 7 hrs sleep	30.4%
Depression	19.5%
Fair or poor health	10.8%
Poor mental health	14.5%
Poor physical health	8.8%
No health insurance	14.3%
Visited doctor (checkup)	73.9%
Visited dentist	66.2%
Cholesterol screening	91.5%
Teeth loss	8.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,250	10.3%

Disability	%
Any disability	10.5%
Under 18	6.3%
18–64 years	8.1%
65 and over	24.1%

Health insurance coverage

Type	%
Private insurance	83.7%
Public insurance	27.6%
No insurance	6.5%
Uninsured under 19	1.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	15,316	93.3%
Spanish	256	1.7%
Other Indo-European	199	1.3%
Asian & Pacific Islander	31	0.2%
Other languages	26	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	14,909	90.8%
Born in same state	14,668	89.3%
Born in different state	5,449	33.2%
Foreign born	241	1.5%
Naturalized citizen	1,510	9.2%
Not a US citizen	1,142	75.6%

Ancestry

Ancestry	Count	%
Italian	2,329	14.2%
French	2,120	12.9%
Arab	373	2.3%
German	227	1.4%
Irish	193	1.2%

Ancestry	Count	%
Polish	118	0.7%
English	81	0.5%
Dutch	68	0.4%
Norwegian	62	0.4%

Technology access

Metric	% of households
Computer access	35.3%
Internet access	96.8%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 32095

What city is ZIP code 32095 in?

ZIP code 32095 is primarily assigned to Saint Augustine, Florida.

What county is ZIP code 32095 in?

ZIP code 32095 falls within Saint Johns County, Florida.

Is ZIP code 32095 mostly owner-occupied?

91% of occupied units in ZIP code 32095 are owner-occupied, well above the national average.

How educated is the population of ZIP code 32095?

50% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the typical home value in ZIP code 32095?

The median home value in ZIP code 32095 is $461,900.

Does ZIP code 32095 have a large veteran population?

10% of civilians in ZIP code 32095 are veterans, above the national average of ~7%.

What timezone is ZIP code 32095 in?

ZIP code 32095 observes the EST timezone.