St. Johns County, Florida has a 2026 one-unit conforming loan limit of $832,750, which is 1.7 times the county's median home value of $489,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $109,839 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $489,200 |
| Florida median home value | $359,000 |
| Limit ÷ median home value | 1.70× |
| Median household income | $109,839 |
| Median home value ÷ income | 4.5× |
| Population | 306,934 |
| Median property tax paid (owners) | $3,721 |
| Effective property tax rate (approx.) | 0.76% |
| Owner-occupied homes | 82.2% |
| Home value rank in Florida | 3 of 67 counties |
| Neighbor: Clay County, FL | limit $832,750; median home $312,500 |
| Neighbor: Duval County, FL | limit $832,750; median home $303,500 |
| Neighbor: Flagler County, FL | limit $832,750; median home $364,900 |
| Neighbor: Putnam County, FL | limit $832,750; median home $160,300 |
Across Florida's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $990,150, with 1 high-cost county. St. Johns County's median home value is 36% above the state median of $359,000 (rank 3 of 67). Among its 4 neighboring counties, Flagler County has the highest median home value ($364,900) and Putnam County the lowest ($160,300); all share the same loan limit. Owners pay a median $3,721 a year in property tax, an effective rate of about 0.76% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: St. James Parish, LA
- 2026 conforming loan limit: St. John Island, VI
- 2026 conforming loan limit: St. John The Baptist Parish, LA
- 2026 conforming loan limit: St. Joseph County, IN
- 2026 conforming loan limit: St. Joseph County, MI
- 2026 conforming loan limit: St. Landry Parish, LA
- 2026 conforming loan limit: St. Lawrence County, NY
- 2026 conforming loan limit: St. Louis City, MO
Last updated 2026-10-16. Data only, not financial or tax advice.