St. Johns County, Florida: commercial real estate data.
St. Johns County, Florida had an estimated 334,928 residents on July 1, 2024, up 22.5 percent since the 2020 census base of 273,423, across 601 square miles. County output reached $18.62 bn in 2024, 8,633 establishments operate here, and the SBA record carries 472 7(a) approvals worth $285.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
St. Johns County
How many people live in St. Johns County
- Population, American Community Survey 2020-2024306,934
- Households115,794
- Average household size2.65
- Median household income$109,839
- Median age44.2
- Median gross rent$1,922 per month
- Median owner-occupied home value$489,200
- Home value to household income4.5 times
- Annual rent as a share of median income21.0 percent
- Adults 25 and over with a bachelor degree or higher50.9 percent
- Adults 25 and over with a graduate degree19.3 percent
- Adults 25 and over220,153
- Population under 1866,193
- Share under 1821.6 percent
- Population 65 and over64,617
- Share 65 and over21.1 percent
- Working age population, 18 to 64176,124
- Civilian labor force149,958
- Unemployment rate3.3 percent
- Labor force participation, adults 18 and over62.3 percent
- Rank by population among Florida counties22nd of 67
- Rank by population among US county-equivalents, Puerto Rico included236th of 3,222
St. Johns County is the 22nd largest of 67 Florida counties by population. A median home costs 4.5 times median household income, which is seriously unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 21.6 percent against 21.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
St. Johns County
Is St. Johns County's population growing?
- Population, July 1, 2024334,928
- Census 2020 base population273,423
- Population change since the 2020 census base22.49 percent
- Population change, 2023 to 202413,418
- Births, 20242,460
- Deaths, 20242,634
- Natural change, 2024-174
- Net domestic migration, 202411,661
- Net international migration, 20241,976
- Total net migration, 202413,637
- Cumulative net domestic migration, 2021 to 202453,957
- Rank by growth among US county-equivalents9th of 3,144
The county has grown 22.49 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
St. Johns County
Where are people moving to St. Johns County from?
- Tax returns filed by households arriving13,594
- People arriving, from those returns28,172
- Tax returns filed by households leaving8,762
- Net household movement4,832
- Adjusted gross income arriving$2.01 bn
- Net adjusted gross income movement$1.13 bn
- Average income of an arriving household$148,012
- Average income of a leaving household$100,780
- Largest single originDuval County (3,196 households)
- Largest single destinationDuval County (2,525 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Duval County | 3,196 | 6,284 | $417.4 m |
| Clay County | 363 | 735 | $32.9 m |
| Flagler County | 271 | 521 | $19.5 m |
| Broward County | 253 | 547 | $31.3 m |
| Palm Beach County | 201 | 394 | $26.4 m |
| Orange County | 181 | 328 | $17.9 m |
| Putnam County | 181 | 309 | $7.8 m |
| Volusia County | 153 | 262 | $11.6 m |
Households arriving report $47,232 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Duval County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
St. Johns County
What is the St. Johns County economy?
- County GDP, 2024$18.62 bn
- County GDP, 2023$17.38 bn
- GDP change, 2023 to 20247.1 percent
- GDP change over five years61.6 percent
- Rank by GDP among the Florida areas BEA publishes22nd of 67
- Rank by GDP among the US county areas BEA publishes277th of 3,127
- GDP per resident$60,669
Output grew 7.1 percent in the latest year and 61.6 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
St. Johns County
Employment by industry in St. Johns County
- Covered employment, annual average98,819
- Establishments reporting11,005
- Average annual pay$60,008
- Average weekly wage$1,154
- Accommodation and food services, employment16,709
- Accommodation and food services, average annual pay$30,165
- Retail trade, employment14,054
- Retail trade, average annual pay$38,948
- Health care and social assistance, employment12,082
- Health care and social assistance, average annual pay$58,772
- Professional, scientific and technical services, employment6,096
- Professional, scientific and technical services, average annual pay$93,679
- Construction, employment6,076
- Administrative and support and waste management services, employment4,858
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 16,709 | 817 | $30,165 |
| Retail trade | 14,054 | 983 | $38,948 |
| Health care and social assistance | 12,082 | 1,071 | $58,772 |
| Professional, scientific and technical services | 6,096 | 1,959 | $93,679 |
| Construction | 6,076 | 996 | $72,631 |
| Administrative and support and waste management services | 4,858 | 869 | $49,346 |
| Other services, except public administration | 4,705 | 800 | $74,421 |
| Manufacturing | 3,940 | 270 | $96,322 |
Accommodation and food services is the largest private sector at 16,709 jobs, 16.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
St. Johns County
How many businesses are in St. Johns County?
- Establishments, all industries8,633
- Employment at those establishments80,082
- Annual payroll$4.04 bn
- Establishments per 1,000 residents28.1
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
St. Johns County
Building permits in St. Johns County
- Housing units authorized by permit, 20245,575
- Declared construction value permitted$1.39 bn
- Single family units authorized4,915
- Multifamily units authorized660
- Multifamily share of units11.8 percent
- Average declared value per unit$249,849
- Units authorized per 1,000 households48.1
Single-family homes are 88.2 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
St. Johns County
SBA loans in St. Johns County (7(a) and 504)
- 7(a) approvals recorded472
- 7(a) gross approval dollars$285.5 m
- Average 7(a) approval$604,905
- Median 7(a) approval$300,000
- 10th percentile approval$50,000
- 90th percentile approval$1,528,600
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)4,648
- Jobs per approval9.8
- Distinct 7(a) lenders active93
- Distinct industries receiving approvals175
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer15.3 percent
- Loans on real estate terms72
- Loans on working capital terms, 120 months or shorter354
- Franchise loans107
- Franchise share of approvals22.7 percent
- Leading industry by approval countFull-Service Restaurants (21)
- Most active lenderThe Huntington National Bank (42)
- 504 approvals recorded229
- 504 gross approval dollars$189.6 m
- Average 504 approval$827,777
- Median 504 approval$555,000
- Distinct CDCs active4
- 504 jobs per approval11.1
- 504 jobs per million dollars approved13.4
- Most active CDCFlorida First Capital Finance Corporation, Inc. (166)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$475.1 m
The average approval of $604,905 sits well above the median of $300,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 15.3 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
St. Johns County
SBA loan default and charge-off rates in St. Johns County
Do SBA loans in St. Johns County get paid back?
- Loans with a final outcome recorded70
- Paid in full65
- Charged off5
- Charge-off rate on resolved loans7.1 percent
- Status: Cancelled62
- Status: Paid in full65
- Status: Exempt from disclosure311
- Status: Charged off5
- Status: Committed, not yet disbursed29
Of the 70 loans that have reached a final outcome, 7.1 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. Johns County
SBA lending by place in St. Johns County
- Borrower cities with recorded lending12
- St. Augustine, approvals256
- Saint Johns, approvals99
- Ponte Vedra Beach, approvals50
- Ponte Vedra, approvals44
- Jacksonville, approvals6
- Hastings, approvals6
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| St. Augustine | 256 | $168,869,600 |
| Saint Johns | 99 | $51,325,700 |
| Ponte Vedra Beach | 50 | $31,640,900 |
| Ponte Vedra | 44 | $24,187,700 |
| Jacksonville | 6 | $2,513,000 |
| Hastings | 6 | $1,868,000 |
| Fruit Cove | 4 | $1,535,000 |
| Elkton | 2 | $1,180,000 |
| 4 other borrower cities | 5 | $2,395,300 |
St. Augustine accounts for 256 approvals against 99 in Saint Johns. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. Johns County
How large is St. Johns County?
- Land area601 sq mi
- Rank by land area among Florida counties44th of 67
- Width, east to west28.5 mi
- Height, north to south43.5 mi
- Geographies sharing a boundary4
- Residents per square mile of land511
- Establishments per square mile14.36
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
St. Johns County
Flood risk in St. Johns County
- Participation of the county's own NFIP community St. Johns County, unincorporated areasParticipating, community 125147
- Community Rating System class of the county's own communityClass 5
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 4
- Communities carrying a CRS class3
- Radon levels in St. Johns County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated St. Johns County (community 125147), participates in the National Flood Insurance Program and carries Community Rating System class 5, a flood insurance premium discount for policies written there. The EPA places St. Johns County in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 4, which carries a flood insurance premium discount for policies written in that community. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a St. Johns County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a St. Johns County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024306,934
- Households115,794
- Average household size2.65
- Median household income$109,839
- Median age44.2
Common questions
St. Johns County questions, answered from the record.
How many people live in St. Johns County, Florida?
The Census Bureau estimates 334,928 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 306,934, in 115,794 households, ranking 22nd of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is St. Johns County's population growing?
The population has grown 22.49 percent since the 2020 census base of 273,423, to 334,928 on July 1, 2024. In 2024 there were 2,460 births against 2,634 deaths, with net migration of 13,637. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in St. Johns County?
$109,839. The median owner-occupied home is valued at $489,200, which is 4.5 times income, and median gross rent is $1,922 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in St. Johns County?
8,633 establishments, employing 80,082 people with an annual payroll of $4.04 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in St. Johns County?
Accommodation and food services is the largest private sector at 16,709 jobs, 16.9 percent of covered employment. Covered employment averages 98,819 jobs at an average annual pay of $60,008, or $1,154 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in St. Johns County?
472 7(a) approvals totaling $285.5 m since FY2020, across 93 lenders, with a median approval of $300,000, plus 229 504 approvals worth $189.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in St. Johns County get paid back?
Of the 70 loans that have reached a final outcome, 65 were paid in full and 5 charged off, a charge-off rate of 7.1 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in St. Johns County?
5,575 housing units were authorized by permit in 2024, with a declared construction value of $1.39 bn. Multifamily was 11.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for St. Johns County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to St. Johns County come from?
The largest single origin is Duval County, with 3,196 households. Arriving households report an average income of $148,012 against $100,780 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for St. Johns County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for St. Johns County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
St. Johns County
Cities and places in St. Johns.
15 Census places lie wholly or partly in St. Johns County. All 15 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Fruit Cove | CDP | 35,877 | 4 | Wholly in this county |
| Nocatee | CDP | 27,442 | None recorded | Wholly in this county |
| World Golf Village | CDP | 26,077 | None recorded | Wholly in this county |
| Palm Valley | CDP | 19,796 | None recorded | Wholly in this county |
| St. Augustine | city | 15,351 | 256 | Wholly in this county |
| St. Augustine Shores | CDP | 9,462 | None recorded | Wholly in this county |
| St. Augustine Beach | city | 6,860 | None recorded | Wholly in this county |
| Sawgrass | CDP | 4,929 | None recorded | Wholly in this county |
| St. Augustine South | CDP | 4,714 | None recorded | Wholly in this county |
| Butler Beach | CDP | 4,610 | None recorded | Wholly in this county |
| Flagler Estates | CDP | 4,321 | None recorded | Wholly in this county |
| Vilano Beach | CDP | 2,188 | None recorded | Wholly in this county |
| Crescent Beach | CDP | 809 | None recorded | Wholly in this county |
| Hastings | CDP | 432 | 6 | Wholly in this county |
| Marineland | town | 13 | None recorded | 47.8 percent here, 52.2 percent Flagler County |
A further 206 of the county's 472 SBA 7(a) approvals are to borrowers in cities that match no Census place in St. Johns County, the largest being Saint Johns (99), Ponte Vedra Beach (50), Ponte Vedra (44). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby