Northern St. Augustine Inventory Fell Even as Sales Rose

Nationally, for-sale inventory climbed 5.4% year over year, according to Realtor.com as of October 8, 2026. Northern St. Augustine moved the other way. The Real Estate Data Aggregator counted 767 homes for sale across the area in the three months ending August 31, 2026. That is down 31.6% from the same months of 2025. Sales rose 6.7% in the same period. Less supply, more demand. That is the short version.

The headline numbers

Northern St. Augustine, three months ending August 31, 2026

Source: Real Estate Data Aggregator, the three months ending August 31, 2026

Fewer new listings means fewer choices for buyers. Down 14.5% in new listings tells you the pipeline thinned, not just the shelf. Pending sales slipped 3.7%, so buyers are still active, just working with less to choose from.

How the two sides of Northern St. Augustine compare

Northern St. Augustine covers two ZIP codes. They share the same direction but not the same numbers. Here is how they read side by side for the three months ending August 31, 2026, according to the Real Estate Data Aggregator.

32095 vs. 32092, three months ending August 31, 2026

Source: Real Estate Data Aggregator. Both ZIPs saw inventory fall and prices rise year over year.

The 32095 side saw a 15.2% jump in median sale price, reaching $477,000. That is a bigger move than the 2.6% national gain the Federal Housing Finance Agency reported for the year ending July 2026. The 32092 side was steadier, up 2.7% to $480,824. Both are meaningful, and they are not the same story.

How fast homes are moving

Source: Real Estate Data Aggregator. Days fell 5 in 32095 and 13 in 32092 compared with the same period in 2025.

Source: Real Estate Data Aggregator, the three months ending August 31, 2026

Homes sold 5 days faster in 32095 than a year ago, and 13 days faster in 32092. Not every home moved quickly. Only 14.3% of 32095 listings and 22.2% of 32092 listings went under contract within two weeks, per the Real Estate Data Aggregator. Most homes still took time. But the trend is toward shorter waits, not longer.

Are sellers getting their price?

Sale price vs. list price, three months ending August 31, 2026

Source: Real Estate Data Aggregator, the three months ending August 31, 2026

Sellers in both ZIP codes are landing close to their asking price. A 97.9% and 98.1% sale-to-list ratio means the average home sold for about 2 cents on the dollar below list. That gap narrowed slightly from 2025 in both areas, per the Real Estate Data Aggregator. About 1 in 10 homes sold above list in each ZIP.

What about rates and the national picture?

Freddie Mac put the 30-year fixed rate at 7.40% as of October 8, 2026. The 15-year fixed averaged 6.73%. Realtor.com reported that 20.8% of listings nationally had a price cut in September 2026, the highest share since October 2022. Northern St. Augustine is not immune to rate pressure. But the inventory picture here is the opposite of what Realtor.com reported nationally, where active listings topped 1.16 million homes.

31.6
Percent drop in Northern St. Augustine inventory, vs. a 5.4% national rise (Real Estate Data Aggregator and Realtor.com)

Source: Real Estate Data Aggregator, the three months ending August 31, 2026

That gap matters. When the rest of the country has more homes to choose from and Northern St. Augustine has fewer, local sellers face less competition. Local buyers face a tighter search. Rates are the same for everyone. The inventory story is not.

What this means, in plain terms

• Sellers: fewer competing listings than a year ago, and prices moved up in both ZIP codes.
• Buyers: you have fewer options than last year, and the homes that fit tend to move in under 72 days.
• Both: a 3.9-month supply in 32095 and a 3-month supply in 32092 still favors sellers, but it is not a locked-out market.
• Rates at 7.40% (Freddie Mac, October 8, 2026) are real. Price your move with that number in mind.

In short

1. The Real Estate Data Aggregator counted 731 homes sold in Northern St. Augustine in the three months ending August 31, 2026, up 6.7% from 2025. Inventory fell 31.6% in the same window.
2. Prices rose in both ZIP codes.
3. Homes sold faster.
4. The national trend ran the opposite direction.
5. One street can still read differently from the ZIP code around it.

Your next step

Text us your address and we'll send back how your home's price and days on market compare with what actually sold near you in Northern St. Augustine. Takes a day, costs nothing.

Text us: (904) 463-2036

Where these numbers came from

• Real Estate Data Aggregator numbers for ZIPs 32095 and 32092, the three months ending August 31, 2026, compared with the same months of 2025. Real Estate Data Aggregator last updated them on Oct 7, 2026.
• Federal Housing Finance Agency: FHFA House Price Index® Up 0.3 Percent in July; Up 2.6 Percent from Last Year | FHFA, Sep 29, 2026
• Redfin: One in Five Home Sellers Cut Prices as Buyer’s Market Persists, Sep 30, 2026
• Realtor.com: September 2026 Monthly Housing Trends: Price Cuts Hit 4-Year Highs as Mortgage Rates Top 7%, Sep 30, 2026
• Realtor.com: Mortgage Rates Jump For Seventh Straight Week to 7.40%; Highest Rate in 35 Months, Oct 8, 2026
• Freddie Mac: Mortgage Rates, read Oct 10, 2026
• FRED: New Privately-Owned Housing Units Started: Total Units, read Oct 10, 2026

Ben Glynn is a licensed real estate agent. Market numbers come from MLS records and are believed accurate but not guaranteed. Nothing on this site is an appraisal or a promise of value. If your home is already listed with another broker, this is not a solicitation.