Florida · Census, HUD and BEA figures · Updated

Cost of Living in St. Johns County, FL

Prices around St. Johns County, FL run 0.5% below the U.S. average (BEA, the metro area). The typical household there earns $109,839 a year, and HUD puts a two-bedroom at $1,658 a month. Keeping that rent under 30% of income takes about $66,320 a year.

St. Johns County, FL at a glance

Median household income

$109,839$9,153 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,658HUD FY2026 Fair Market Rent
Price level (U.S. = 100)99.5-0.5% · BEA, the metro area
Electricity15.1¢per kWh · EIA Residential FL
Population306,934Census ACS 5-year estimate

How much rent can you afford in St. Johns County, FL?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$1,658Monthly market rent
Share of gross income18.1%Recommended max: 30%
Annual income needed$66,320To meet the 30% standard
Max affordable rent$2,746At 30% of $109,839
0%30% (Affordability standard)100%
Compare against:

How much is rent in St. Johns County, FL? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Jacksonville, FL HUD Metro FMR Area, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in St. Johns County, FL, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$1,355$16,260$54,20014.8%
1-Bedroom Apartment$1,382$16,584$55,28015.1%
2-Bedroom ApartmentBenchmark$1,658$19,896$66,32018.1%
3-Bedroom Home$2,043$24,516$81,72022.3%
4-Bedroom Home$2,561$30,732$102,44028%

Rent in St. Johns County, FL, with the wage each unit needs →

What a typical income covers in St. Johns County, FL

The 50/30/20 rule applied to the local median of $109,839 a year ($9,153 a month before tax).

Needs (50%)$4,577/moRent ($1,658 2-BR), utilities (~$136/mo), groceries, transit
Wants (30%)$2,746/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,831/moEmergency fund, retirement, paying down loans

What $109,839 leaves after Florida taxes

Federal income tax, Social Security, Medicare and Florida tax on the local median income. Change the salary to see yours.

$109,839
$40,000$220,000
Filing status:
Gross salary breakdown$109,839
Net 78%
Fed 14%
FICA 8%
Annual take-home$86,102After all taxes
Monthly deposit$7,175Estimated per month
Biweekly paycheck$3,312Every 2 weeks (26/yr)
Effective tax rate21.6%Total tax burden
Federal income tax$15,335 / yr
Florida state income taxNo state wage tax$0
FICA (Social Security & Medicare)$8,403 / yr

Living in St. Johns County, FL: common questions

What is the median household income in St. Johns County, FL?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in St. Johns County, FL is $109,839 per year (approximately $9,153 per month).

What is the average rent in St. Johns County, FL?

The closest official figure is HUD's Fair Market Rent for 2026: $1,355 for a studio, $1,382 for one bedroom, $1,658 for two, $2,043 for three and $2,561 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is St. Johns County, FL expensive to live in?

Prices there run 0.5% below the U.S. average. BEA's regional price parity for the metro area is 99.5, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in St. Johns County, FL?

To keep a $1,658 two-bedroom under 30% of gross income, a household needs about $66,320 a year, or $5,527 a month. That is 60% of what the typical household in St. Johns County, FL earns.

How much do you need to live comfortably in St. Johns County, FL?

On the local median income of $109,839 ($9,153 a month before tax), the 50/30/20 rule leaves $4,577 a month for needs like rent, utilities and groceries, $2,746 for everything else and $1,831 for savings or debt. A two-bedroom at $1,658 takes 36% of the needs share.

How much is the electric bill in St. Johns County, FL?

Homes in Florida paid 15.1¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $136. Your bill depends mostly on heating and cooling.