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City · 7,224 residents · St. Lucie County, Florida

Fort Pierce North , Florida

In Fort Pierce North, a typical home is worth $167,600 and typical rent is $921 a month. Compared with all of St. Lucie County, the typical home value is 52% lower, typical household income is 44% lower, and the share of households that own their home is 23 points lower.

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  • Typical home value

    $167,600

    52% below the county

    53% below Florida

    • Fort Pierce North
    • St. Lucie
    • Florida

  • Typical rent

    $921a month

    42% below the county

    45% below Florida

    • Fort Pierce North
    • St. Lucie
    • Florida

  • Typical household income

    $40,228a year

    44% below the county

    46% below Florida

    • Fort Pierce North
    • St. Lucie
    • Florida

  • Households that own their home

    56%

    23 points below the county

    12 points below Florida

    • Fort Pierce North
    • St. Lucie
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Fort Pierce North is in St. Lucie County. The FHA loan limit ($603,750 for a one-unit home), the fair market rents and the help on this page are those of all of St. Lucie County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fort Pierce North apart

What this place has that others do not, from public data, most unusual first.

  1. Fort Pierce North has the 9th lowest typical household income of the 480 cities in Florida with more than 5,000 people ($40,228).

  2. Fort Pierce North has the 9th lowest typical rent of the 471 cities in Florida with more than 5,000 people ($921).

  3. 56% of households in Fort Pierce North own their home, against 79% in St. Lucie County.

  4. The typical home in Fort Pierce North is worth $167,600, 52% less than in St. Lucie County as a whole ($347,300).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Fort Pierce North

What homes there are in Fort Pierce North, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Fort Pierce North, 7 in 10 homes are single-family detached houses, about the same as in St. Lucie County.

In Fort Pierce North there are many mobile homes: 17% of homes; in St. Lucie County, 7%.

Year built

Homes in Fort Pierce North are older: the typical year built is 1976; in St. Lucie County, 1996.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

At least 96% of owner-occupied homes in Fort Pierce North are worth less than $500,000, below the FHA loan limit for St. Lucie County ($603,750).

Monthly rent with utilities

With a mortgage

$1,209 a month

St. Lucie County: $1,913 a month

Without a mortgage

$391 a month

St. Lucie County: $690 a month

Owners with a mortgage

25%

St. Lucie County: 57%

The typical cost for an owner with a mortgage in Fort Pierce North is $1,209 a month, less than in St. Lucie County ($1,913); without one, $391.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Fort Pierce North rose 92% since 2015–2019, more than in St. Lucie County (86%).

Rent in Fort Pierce North moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureFort Pierce NorthSt. Lucie CountyFloridaUnited States
Rental vacancy Unreliable estimate7.4%7.6%5.5%
Homeowner vacancy Unreliable estimate1.4%1.4%0.9%
More than one person per room Unreliable estimate2.5%3.3%3.4%
People per household 2.742.602.512.53
Drive alone 83%76%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home Unreliable estimate12%16%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Fort Pierce North are bigger: 2.74 people on average; in St. Lucie County, 2.60.

To get to work, 83% of workers in Fort Pierce North drive alone; in St. Lucie County, 76%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Fort Pierce North?

A typical home costs more than the typical income allows

We start with a typical home in Fort Pierce North, worth $167,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Fort Pierce North, which is $40,228 a year. For that payment to be 28% of income, a household would need to earn about $59,215 a year.

The calculator's FHA and conventional loan limits are those of all of St. Lucie County.

Your numbers

Local data
$

Starts at the typical home value in Fort Pierce North. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,866 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,382

at 7.18% · 30 years

Loan amount
$164,564
Total interest
$236,769
Paid off in
November 2056

Includes $2,830 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $939 a month

  • Tight

    $939 to $1,207 a month

  • Hard

    more than $1,207 a month

    Your payment · 41%

Compared with the typical household income in Fort Pierce North ($40,228 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,382
Principal & interest$1,115
Property tax$123
Home insurance$70
FHA mortgage insurance (MIP)$74

You need at least $5,866 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Fort Pierce North and St. Lucie County

Fort Pierce North is in St. Lucie County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Fort Pierce North's own numbers

Typical home value
$167,600
Typical monthly rent
$921
Typical yearly household income
$40,228
Households that own their home
56%
Effective property tax rate
0.88%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of St. Lucie County

FHA limit, one-unit home
$603,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,069
Price change over 5 years (FHFA)
+64%
Homes in a high flood-risk zone
4.9%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of St. Lucie County.

Everything about St. Lucie County

Buying

Buying a home in Fort Pierce North

A typical home in Fort Pierce North is worth $167,600: 52% below the county and 53% below Florida. With the typical household income in Fort Pierce North ($40,228 a year), a typical home costs 4.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Fort Pierce North 4.2 years
  • St. Lucie 4.9 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Lucie County

According to FHFA’s house price index, home prices in St. Lucie County rose 152% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of St. Lucie County.

Period County Florida U.S.
Last year (2025) −0.4% −0.5% +2.9%
5 years (2020–2025) +64% +60% +47%
10 years (2015–2025) +152% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Fort Pierce North next to St. Lucie County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Fort Pierce North $167,600
  • St. Lucie $347,300
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Fort Pierce North $921
  • St. Lucie $1,585
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Fort Pierce North $40,228
  • St. Lucie $71,457
  • Florida $74,568
  • United States $80,734
See the full table
Fort Pierce North next to St. Lucie County and Florida
Measure Fort Pierce North St. Lucie County Florida U.S.
Typical home value $167,600 $347,300 $359,000 $332,700
Typical monthly rent $921 $1,585 $1,669 $1,413
Typical yearly household income $40,228 $71,457 $74,568 $80,734
Households that own their home 56% 79% 68% 65%
Typical yearly property tax $1,471 $3,241 $2,730 $3,119
Effective property tax rate 0.88% 0.93% 0.76% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below St. Lucie County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Fort Pierce North

For a typical $167,600 home in Fort Pierce North, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fort Pierce North's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,382a month

    Least cash to close
    Down payment
    $5,866
    Cash to close
    $10,894
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $74

  • Conventional, 5% down $1,351a month

    Down payment
    $8,380
    Cash to close
    $13,408
    Rate
    7.18%
    Mortgage insurance
    PMI · $80

  • Conventional, 20% down, no PMI $1,101a month

    Down payment
    $33,520
    Cash to close
    $38,548
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,256a month

    Down payment
    $25,140
    Cash to close
    $30,168
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Fort Pierce North and for St. Lucie County.

Property tax

Effective rate in Fort Pierce North

0.88%of the home’s value each year

$1,471 a year for the typical owner in Fort Pierce North.

  • Fort Pierce North 0.88%
  • St. Lucie 0.93%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in St. Lucie County

FEMA does not publish these numbers by city: they are for all of St. Lucie County.

Homes in the high-risk zone
4.9%
6,144
Of those, with NFIP insurance
44%
County Florida U.S.
Homes in the high-risk zone 4.9% 13% 3.5%
Of those, with NFIP insurance 44% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fort Pierce North

Typical rent in Fort Pierce North is $921 a month: 42% below the county.

HUD publishes a fair market rent for all of St. Lucie County, by unit size. To pay the 2-bedroom one ($2,069 a month) without spending more than 30% of your income, you would need to earn $39.79 an hour working full time.

HUD fair market rent for all of St. Lucie County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,707 $32.83 $68,280
1 bedroom $1,718 $33.04 $68,720
2 bedrooms $2,069 $39.79 $82,760
3 bedrooms $2,801 $53.87 $112,040
4 bedrooms $2,924 $56.23 $116,960

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Fort Pierce North

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fort Pierce North has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,590 in 34946 to $1,640 in 34947.

None is above the fair market rent for St. Lucie County ($2,069).

  • 34946 $1,590$2,180
  • 34947 $1,640$2,220

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fort Pierce North when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Fort Pierce North

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in St. Lucie County. The nearest ones are below; many serve by phone or online.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Fort Pierce North

No down payment, repair or rent-help program on our list is for Fort Pierce North or St. Lucie County. The ones below are statewide in Florida: they work in Fort Pierce North the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Fort Pierce North

The HUD-approved agencies closest to the center of Fort Pierce North, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Debt Management Credit Counseling Corp.

    941 SE Central Pkwy, Stuart · 22 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (866) 618-3328

  • Real Estate, Education and Community Housing, Inc.

    8409 N Military Trl Ste 112, West Palm Beach · 49 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (561) 491-1670

  • Housing Partnership, Inc.

    2001 W Blue Heron Blvd, Riviera Beach · 51 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (561) 841-3500

All counseling agencies in Florida

Help in Spanish near Fort Pierce North

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Fort Pierce North

In HUD’s record, no housing authority with an office in St. Lucie County is named for Fort Pierce North or St. Lucie County.

One other authority has an office in St. Lucie County: see the list Source: HUD

Cities

Other cities in St. Lucie County

These cities are also in St. Lucie County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about St. Lucie County Housing in Florida

Nearby cities

The cities closest to Fort Pierce North, with the typical home value.

Neighboring counties

If St. Lucie County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Fort Pierce North.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Fort Pierce North

Short answers with the numbers for Fort Pierce North and all of St. Lucie County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Fort Pierce North?

The typical home value in Fort Pierce North is $167,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Lucie County it is $347,300.

How much does it cost to rent in Fort Pierce North?

Typical rent in Fort Pierce North is $921 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Lucie County is $2,069.

What is the FHA loan limit in Fort Pierce North?

Fort Pierce North uses the FHA limit for all of St. Lucie County (2026): $603,750 for a one-unit home and $1,161,050 for a four-unit home.

How much property tax do owners pay in Fort Pierce North?

The typical homeowner in Fort Pierce North pays $1,471 a year, according to the U.S. Census Bureau. That is 0.88% of the home’s value; in St. Lucie County, the rate is 0.93%.

Where can I find free help to buy or rent in Fort Pierce North?

We found no HUD-approved counseling agencies with an office in St. Lucie County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).