In Port Salerno, a typical home is worth $352,600 and typical rent is $1,440 a month. Compared with all of Martin County, typical household income is 19% lower and the typical home value is 18% lower.
Port Salerno is in Martin 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 Martin County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Hobe Sound, the typical rent is $1,129: 22% less than in Port Salerno ($1,440).
2
The typical household income in Port Salerno is $67,436,19% less than in Martin County as a whole ($82,943).
3
The typical home in Port Salerno is worth $352,600,18% less than in Martin County as a whole ($432,200).
4
Port Salerno has the 39th smallest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (47%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Port Salerno
What homes there are in Port Salerno, 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
Port Salerno
Martin County
Florida
United States
Kind of home: Port Salerno and its comparisons
Measure
Port Salerno
Martin County
Florida
United States
Detached house
54%
54%
55%
61%
Attached house
9%
8%
7%
6%
Building of 2 to 4
15%
7%
6%
8%
Apartments (5 or more)
Unreliable estimate
22%
25%
19%
Mobile home
5%
9%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Martin County, most homes in Port Salerno are detached houses (54%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Port Salerno
Martin County
Florida
United States
Year built: Port Salerno and its comparisons
Measure
Port Salerno
Martin County
Florida
United States
Before 1960
8%
6%
10%
26%
1960–1979
29%
28%
24%
24%
1980–1999
47%
43%
34%
25%
2000–2009
13%
16%
18%
14%
2010 or later
Unreliable estimate
7%
14%
11%
In Port Salerno, half of the homes were built before 1984; in Martin County, before 1986.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K9%
$200K–$300K25%
$300K–$500K37%
$500K–$750K14%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Port Salerno and its comparisons
Measure
Port Salerno
Under $100K
Unreliable estimate
$100K–$200K
9%
$200K–$300K
25%
$300K–$500K
37%
$500K–$750K
14%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49952%
$1,500–$1,99937%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Port Salerno and its comparisons
Measure
Port Salerno
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
52%
$1,500–$1,999
37%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,646 a month
Martin County: $2,238 a month
Without a mortgage
$629 a month
Martin County: $789 a month
Owners with a mortgage
47%
Martin County: 47%
In Port Salerno, 47% of owners have a mortgage, and their typical cost is $1,646 a month, against $2,238 in Martin County. Without one it drops to $629.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Port Salerno+60%
Martin County+58%
Florida+67%
United States+53%
Typical rent
Port Salerno+33%
Martin County+41%
Florida+42%
United States+33%
Typical household income
Port Salerno+25%
Martin County+36%
Florida+34%
United States+29%
Change since 2015–2019: Port Salerno and its comparisons
Measure
Port Salerno
Martin County
Florida
United States
Typical home value
+60%
+58%
+67%
+53%
Typical rent
+33%
+41%
+42%
+33%
Typical household income
+25%
+36%
+34%
+29%
The typical home value in Port Salerno rose 60% since 2015–2019, about the same as in Martin County (58%).
Since 2015–2019, the typical rent in Port Salerno rose 33%, less than in Martin County (41%).
Housing prices ran ahead of income in Port Salerno: typical income rose 25%, against +60% for home values and +33% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Port Salerno and its comparisons
Measure
Port Salerno
Martin County
Florida
United States
Rental vacancy
Unreliable estimate
6.4%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.2%
1.4%
0.9%
More than one person per room
Unreliable estimate
1.7%
3.3%
3.4%
People per household
2.30
2.33
2.51
2.53
Drive alone
78%
72%
70%
69%
Carpool
11%
9%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
8%
16%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
A household in Port Salerno has 2.30 people on average, about the same as in Martin County (2.33).
In Port Salerno, 78% of workers drive alone to work; in Martin County, 72%.
Do the math
What would you pay each month for a home in Port Salerno?
A typical home costs more than the typical income allows
We start with a typical home in Port Salerno, worth $352,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Port Salerno, which is $67,436 a year. For that payment to be 28% of income, a household would need to earn about $122,941 a year.
The calculator's FHA and conventional loan limits are those of all of Martin 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 Port Salerno. 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 $12,341 (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
$2,869
at 7.18% · 30 years
Loan amount
$346,214
Total interest
$498,120
Paid off in
November 2056
Includes $5,955 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,574 a month
Tight
$1,574 to $2,023 a month
Hard
more than $2,023 a month
Your payment · 51%
Compared with the typical household income in Port Salerno ($67,436 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,345
Property tax
$220
Home insurance
$147
FHA mortgage insurance (MIP)
$156
You need at least $12,341 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 $2,869; principal and interest $2,345.
The city and its county
Port Salerno and Martin County
Port Salerno is in Martin 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).
Port Salerno
Map of Martin County, Florida, with Port Salerno marked. Around it, the neighboring counties.
Port Salerno
Martin County
Other cities with a page
Port Salerno's own numbers
Typical home value
$352,600
Typical monthly rent
$1,440
Typical yearly household income
$67,436
Households that own their home
82%
Effective property tax rate
0.75%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Martin 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)
+67%
Homes in a high flood-risk zone
5.8%
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 Martin County.
A typical home in Port Salerno is worth $352,600: 18% below the county and about the same as Florida. With the typical household income in Port Salerno ($67,436 a year), a typical home costs 5.2 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.
Port Salerno5.2 years
Martin5.2 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Martin County
According to FHFA’s house price index, home prices in Martin County rose 137% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Martin County.
Yearly change in FHFA’s price index in Martin County, 2016 to 2025
2016: +10.8% +10.8% 2016
2017: +7.5% +7.5% 2017
2018: +10.6% +10.6% 2018
2019: +3.9% +3.9% 2019
2020: +4.0% +4.0% 2020
2021: +16.6% +16.6% 2021
2022: +24.4% +24.4% 2022
2023: +10.3% +10.3% 2023
2024: +6.0% +6.0% 2024
2025: −1.7% −1.7% 2025
Change in FHFA’s price index in Martin County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
−1.7%
−0.5%
+2.9%
5 years (2020–2025)
+67%
+60%
+47%
10 years (2015–2025)
+137%
+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
Port Salerno next to Martin 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
Port Salerno$352,600
Martin$432,200
Florida$359,000
United States$332,700
Typical monthly rent
Port Salerno$1,440
Martin$1,569
Florida$1,669
United States$1,413
Typical yearly household income
Port Salerno$67,436
Martin$82,943
Florida$74,568
United States$80,734
See the full table
Port Salerno next to Martin County and Florida
Measure
Port Salerno
Martin County
Florida
U.S.
Typical home value
$352,600 ▼18% below the county
$432,200
$359,000
$332,700
Typical monthly rent
$1,440 ▼8% below the county
$1,569
$1,669
$1,413
Typical yearly household income
$67,436 ▼19% below the county
$82,943
$74,568
$80,734
Households that own their home
82% ▲3 points above the county
80%
68%
65%
Typical yearly property tax
$2,635 ▼21% below the county
$3,322
$2,730
$3,119
Effective property tax rate
0.75% ▼0.02 points below the county
0.77%
0.76%
0.94%
Renters with high rent for their income
47% ▼14 points below the county
61%
60%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Martin 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 Port Salerno
For a typical $352,600 home in Port Salerno, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Port Salerno's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,869a month
Least cash to close
Down payment
$12,341
Cash to close
$22,919
Rate
7.18%
Mortgage insurance
FHA MIP · $156
Conventional, 5% down$2,804a month
Down payment
$17,630
Cash to close
$28,208
Rate
7.18%
Mortgage insurance
PMI · $167
Conventional, 20% down, no PMI$2,278a month
Down payment
$70,520
Cash to close
$81,098
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,604a month
Down payment
$52,890
Cash to close
$63,468
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Port Salerno
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,869
$12,341
$346,214
7.18%
FHA MIP · $156
$22,919
580
Conventional, 5% down
$2,804
$17,630
$334,970
7.18%
PMI · $167
$28,208
620*
Conventional, 20% down, no PMI
$2,278
$70,520
$282,080
7.18%
None
$81,098
620*
ITIN, 15% down (example)
$2,604
$52,890
$299,710
8.18%
None
$63,468
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 Port Salerno is $1,440 a month: 8% below the county. In Port Salerno, 47% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Martin 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 Martin 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 Port Salerno
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Port Salerno is in ZIP code 34997.
For 2 bedrooms it is $2,070: $1 more than the fair market rent for Martin County ($2,069).
Fair market rent by ZIP code and size in Port Salerno, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
34997
$1,710
$1,720
$2,070
$2,800
$2,930
ZIP code2 bd3 bd
34997 $2,070$2,800
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Port Salerno 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.
There is 1 HUD-approved agency with an office in Martin County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Port Salerno or Martin County. The ones below are statewide in Florida: they work in Port Salerno 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 Port Salerno, 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 · 4 miles away · Spanish
No legal help resource on our list is for Port Salerno or Martin 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 Port Salerno and all of Martin 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 Port Salerno?
The typical home value in Port Salerno is $352,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Martin County it is $432,200.
How much does it cost to rent in Port Salerno?
Typical rent in Port Salerno is $1,440 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Martin County is $2,069.
What is the FHA loan limit in Port Salerno?
Port Salerno uses the FHA limit for all of Martin 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 Port Salerno?
The typical homeowner in Port Salerno pays $2,635 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Martin County, the rate is 0.77%.
Where can I find free help to buy or rent in Port Salerno?
There is 1 HUD-approved counseling agency with an office in Martin County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
