City · 7,685 residents · St. Lucie County, Florida
Indian River Estates, Florida
In Indian River Estates, a typical home is worth $280,400 and typical rent is $2,191 a month. Compared with all of St. Lucie County, typical rent is 38% higher, the typical home value is 19% lower, and the share of households that own their home is 12 points higher.
Indian River Estates 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in White City, the typical rent is $1,065: 51% less than in Indian River Estates ($2,191).
2
The typical rent in Indian River Estates is $2,191 a month, 38% more than in St. Lucie County as a whole ($1,585).
3
Indian River Estates has the 27th highest homeownership rate of the 481 cities in Florida with more than 5,000 people (91%).
4
The typical home in Indian River Estates is worth $280,400,19% less than in St. Lucie County as a whole ($347,300).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Indian River Estates
What homes there are in Indian River Estates, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Indian River Estates
St. Lucie County
Florida
United States
Kind of home: Indian River Estates and its comparisons
Measure
Indian River Estates
St. Lucie County
Florida
United States
Detached house
89%
72%
55%
61%
Attached house
Unreliable estimate
3%
7%
6%
Building of 2 to 4
Unreliable estimate
6%
6%
8%
Apartments (5 or more)
Unreliable estimate
13%
25%
19%
Mobile home
7%
7%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses, standing on their own, make up 89% of homes here, against 72% in St. Lucie County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Indian River Estates
St. Lucie County
Florida
United States
Year built: Indian River Estates and its comparisons
Measure
Indian River Estates
St. Lucie County
Florida
United States
Before 1960
Unreliable estimate
5%
10%
26%
1960–1979
30%
15%
24%
24%
1980–1999
46%
37%
34%
25%
2000–2009
13%
27%
18%
14%
2010 or later
Unreliable estimate
17%
14%
11%
Homes in Indian River Estates are older: the typical year built is 1986; in St. Lucie County, 1996.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K19%
$200K–$300K29%
$300K–$500K34%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Indian River Estates and its comparisons
Measure
Indian River Estates
Under $100K
Unreliable estimate
$100K–$200K
19%
$200K–$300K
29%
$300K–$500K
34%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Indian River Estates and its comparisons
Measure
Indian River Estates
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,659 a month
St. Lucie County: $1,913 a month
Without a mortgage
$623 a month
St. Lucie County: $690 a month
Owners with a mortgage
48%
St. Lucie County: 57%
In Indian River Estates, 48% of owners have a mortgage, and their typical cost is $1,659 a month, against $1,913 in St. Lucie County. Without one it drops to $623.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Indian River Estates+99%
St. Lucie County+86%
Florida+67%
United States+53%
Typical rent
Indian River Estates+52%
St. Lucie County+34%
Florida+42%
United States+33%
Typical household income
Indian River Estates+44%
St. Lucie County+37%
Florida+34%
United States+29%
Change since 2015–2019: Indian River Estates and its comparisons
Measure
Indian River Estates
St. Lucie County
Florida
United States
Typical home value
+99%
+86%
+67%
+53%
Typical rent
+52%
+34%
+42%
+33%
Typical household income
+44%
+37%
+34%
+29%
Since 2015–2019, homes in Indian River Estates gained value faster than in St. Lucie County: 99% against 86%.
The typical rent in Indian River Estates rose 52% over the same time; in St. Lucie County, it rose 34%.
Housing prices ran ahead of income in Indian River Estates: typical income rose 44%, against +99% for home values and +52% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Indian River Estates and its comparisons
Measure
Indian River Estates
St. Lucie County
Florida
United States
Rental vacancy
Unreliable estimate
7.4%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.4%
1.4%
0.9%
More than one person per room
Unreliable estimate
2.5%
3.3%
3.4%
People per household
2.58
2.60
2.51
2.53
Drive alone
82%
76%
70%
69%
Carpool
12%
9%
9%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
4%
12%
16%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
A household in Indian River Estates has 2.58 people on average, about the same as in St. Lucie County (2.60).
More people carpool to work in Indian River Estates than in St. Lucie County: 12% against 9%.
Do the math
What would you pay each month for a home in Indian River Estates?
A typical home costs more than the typical income allows
We start with a typical home in Indian River Estates, worth $280,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Indian River Estates, which is $64,063 a year. For that payment to be 28% of income, a household would need to earn about $98,568 a year.
The calculator's FHA and conventional loan limits are those of all of St. Lucie County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Indian River Estates. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $9,814 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,300
at 7.18% · 30 years
Loan amount
$275,321
Total interest
$396,123
Paid off in
November 2056
Includes $4,735 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,495 a month
Tight
$1,495 to $1,922 a month
Hard
more than $1,922 a month
Your payment · 43%
Compared with the typical household income in Indian River Estates ($64,063 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,865
Property tax
$194
Home insurance
$117
FHA mortgage insurance (MIP)
$124
You need at least $9,814 for the down payment, plus closing costs.
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.
Total monthly payment $2,300; principal and interest $1,865.
The city and its county
Indian River Estates and St. Lucie County
Indian River Estates 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).
Indian River Estates
Map of St. Lucie County, Florida, with Indian River Estates marked. Around it, the neighboring counties.
Indian River Estates
St. Lucie County
Other cities with a page
Indian River Estates's own numbers
Typical home value
$280,400
Typical monthly rent
$2,191
Typical yearly household income
$64,063
Households that own their home
91%
Effective property tax rate
0.83%
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.
A typical home in Indian River Estates is worth $280,400: 19% below the county and 22% below Florida. With the typical household income in Indian River Estates ($64,063 a year), a typical home costs 4.4 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.
Indian River Estates4.4 years
St. Lucie4.9 years
Florida4.8 years
United States4.1 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.
Yearly change in FHFA’s price index in St. Lucie County, 2016 to 2025
2016: +14.6% +14.6% 2016
2017: +11.8% +11.8% 2017
2018: +8.5% +8.5% 2018
2019: +5.2% +5.2% 2019
2020: +5.2% +5.2% 2020
2021: +19.5% +19.5% 2021
2022: +25.6% +25.6% 2022
2023: +7.0% +7.0% 2023
2024: +2.7% +2.7% 2024
2025: −0.4% −0.4% 2025
Change in FHFA’s price index in St. Lucie County, Florida and the United States
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
Indian River Estates 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
Indian River Estates$280,400
St. Lucie$347,300
Florida$359,000
United States$332,700
Typical monthly rent
Indian River Estates$2,191
St. Lucie$1,585
Florida$1,669
United States$1,413
Typical yearly household income
Indian River Estates$64,063
St. Lucie$71,457
Florida$74,568
United States$80,734
See the full table
Indian River Estates next to St. Lucie County and Florida
Measure
Indian River Estates
St. Lucie County
Florida
U.S.
Typical home value
$280,400 ▼19% below the county
$347,300
$359,000
$332,700
Typical monthly rent
$2,191 ▲38% above the county
$1,585
$1,669
$1,413
Typical yearly household income
$64,063 ▼10% below the county
$71,457
$74,568
$80,734
Households that own their home
91% ▲12 points above the county
79%
68%
65%
Typical yearly property tax
$2,324 ▼28% below the county
$3,241
$2,730
$3,119
Effective property tax rate
0.83% ▼0.1 points below the county
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 Indian River Estates
For a typical $280,400 home in Indian River Estates, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Indian River Estates's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,300a month
Least cash to close
Down payment
$9,814
Cash to close
$18,226
Rate
7.18%
Mortgage insurance
FHA MIP · $124
Conventional, 5% down$2,249a month
Down payment
$14,020
Cash to close
$22,432
Rate
7.18%
Mortgage insurance
PMI · $133
Conventional, 20% down, no PMI$1,830a month
Down payment
$56,080
Cash to close
$64,492
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,090a month
Down payment
$42,060
Cash to close
$50,472
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Indian River Estates
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,300
$9,814
$275,321
7.18%
FHA MIP · $124
$18,226
580
Conventional, 5% down
$2,249
$14,020
$266,380
7.18%
PMI · $133
$22,432
620*
Conventional, 20% down, no PMI
$1,830
$56,080
$224,320
7.18%
None
$64,492
620*
ITIN, 15% down (example)
$2,090
$42,060
$238,340
8.18%
None
$50,472
Set by the lender
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.
Typical rent in Indian River Estates is $2,191 a month: 38% above 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in St. Lucie County (Fiscal year 2027)
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 Indian River Estates
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Indian River Estates has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,710 in 34982 to $2,240 in 34952.
1 of the 2 is above the fair market rent for St. Lucie County ($2,069).
Fair market rent by ZIP code and size in Indian River Estates, fiscal year 2027.
34952
$1,850
$1,860
$2,240
$3,030
$3,170
34982
$1,410
$1,420
$1,710
$2,320
$2,420
ZIP code2 bd3 bd
34952 $2,240$3,030
34982 $1,710$2,320
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Indian River Estates 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Indian River Estates or St. Lucie County. The ones below are statewide in Florida: they work in Indian River Estates the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
The HUD-approved agencies closest to the center of Indian River Estates, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
DM
Debt Management Credit Counseling Corp.
941 SE Central Pkwy, Stuart · 13 miles away · Spanish
No legal help resource on our list is for Indian River Estates or St. Lucie County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Indian River Estates 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 Indian River Estates?
The typical home value in Indian River Estates is $280,400, 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 Indian River Estates?
Typical rent in Indian River Estates is $2,191 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 Indian River Estates?
Indian River Estates 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 Indian River Estates?
The typical homeowner in Indian River Estates pays $2,324 a year, according to the U.S. Census Bureau. That is 0.83% 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 Indian River Estates?
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.
