City · 232,491 residents · St. Lucie County, Florida
Port St. Lucie, Florida
In Port St. Lucie, a typical home is worth $369,200 and typical rent is $1,937 a month. Compared with all of St. Lucie County, typical rent is 22% higher, typical household income is 13% higher, and the share of households that own their home is 5 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $319,977 to $384,099.
Typical rent
$2,356a month
▲ 2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,947 to $2,356.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Port St. Lucie 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: 45% less than in Port St. Lucie ($1,937).
2
Nearby, in River Park, the typical home value is $244,000: 34% less than in Port St. Lucie ($369,200).
3
The typical rent in Port St. Lucie is $1,937 a month, 22% more than in St. Lucie County as a whole ($1,585).
4
84% of households in Port St. Lucie own their home, against 79% in St. Lucie County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Port St. Lucie
What homes there are in Port St. Lucie, 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 St. Lucie
St. Lucie County
Florida
United States
Kind of home: Port St. Lucie and its comparisons
Measure
Port St. Lucie
St. Lucie County
Florida
United States
Detached house
87%
72%
55%
61%
Attached house
3%
3%
7%
6%
Building of 2 to 4
2%
6%
6%
8%
Apartments (5 or more)
6%
13%
25%
19%
Mobile home
2%
7%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Port St. Lucie, 9 in 10 homes are single-family detached houses; in St. Lucie County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Port St. Lucie
St. Lucie County
Florida
United States
Year built: Port St. Lucie and its comparisons
Measure
Port St. Lucie
St. Lucie County
Florida
United States
Before 1960
1%
5%
10%
26%
1960–1979
8%
15%
24%
24%
1980–1999
34%
37%
34%
25%
2000–2009
35%
27%
18%
14%
2010 or later
22%
17%
14%
11%
The typical home in Port St. Lucie was built in 2002, 6 years after the typical one in St. Lucie County.
Homes in Port St. Lucie are bigger: 79% have 3 bedrooms or more; in St. Lucie County, 63%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K3%
$100K–$200K5%
$200K–$300K20%
$300K–$500K55%
$500K–$750K13%
FHA limit: $603,750
$750K–$1M2%
$1M or more1%
Value of owner-occupied homes: Port St. Lucie and its comparisons
Measure
Port St. Lucie
Under $100K
3%
$100K–$200K
5%
$200K–$300K
20%
$300K–$500K
55%
$500K–$750K
13%
$750K–$1M
2%
$1M or more
1%
About 89% of owner-occupied homes in Port St. Lucie are worth less than the FHA loan limit for St. Lucie County ($603,750).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9996%
$1,000–$1,49916%
$1,500–$1,99932%
$2,000–$2,49932%
$2,500–$2,99910%
$3,000 or more4%
Monthly rent with utilities: Port St. Lucie and its comparisons
Measure
Port St. Lucie
Under $500
Unreliable estimate
$500–$999
6%
$1,000–$1,499
16%
$1,500–$1,999
32%
$2,000–$2,499
32%
$2,500–$2,999
10%
$3,000 or more
4%
With a mortgage
$1,954 a month
St. Lucie County: $1,913 a month
Without a mortgage
$717 a month
St. Lucie County: $690 a month
Owners with a mortgage
65%
St. Lucie County: 57%
Owning costs about the same in Port St. Lucie as in St. Lucie County: with a mortgage, $1,954 a month; without one, $717.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Port St. Lucie+78%
St. Lucie County+86%
Florida+67%
United States+53%
Typical rent
Port St. Lucie+37%
St. Lucie County+34%
Florida+42%
United States+33%
Typical household income
Port St. Lucie+33%
St. Lucie County+37%
Florida+34%
United States+29%
Change since 2015–2019: Port St. Lucie and its comparisons
Measure
Port St. Lucie
St. Lucie County
Florida
United States
Typical home value
+78%
+86%
+67%
+53%
Typical rent
+37%
+34%
+42%
+33%
Typical household income
+33%
+37%
+34%
+29%
The typical home value in Port St. Lucie rose 78% since 2015–2019, less than in St. Lucie County (86%).
The typical rent in Port St. Lucie rose 37% since 2015–2019, about the same as in St. Lucie County (34%).
Housing prices ran ahead of income in Port St. Lucie: typical income rose 33%, against +78% for home values and +37% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Port St. Lucie and its comparisons
Measure
Port St. Lucie
St. Lucie County
Florida
United States
Rental vacancy
7.4%
7.4%
7.6%
5.5%
Homeowner vacancy
0.9%
1.4%
1.4%
0.9%
More than one person per room
1.6%
2.5%
3.3%
3.4%
People per household
2.76
2.60
2.51
2.53
Drive alone
77%
76%
70%
69%
Carpool
8%
9%
9%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
2%
1%
2%
3%
Work from home
13%
12%
16%
15%
Other means
1%
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in St. Lucie County, the rental vacancy rate in Port St. Lucie is 7.4%.
More than one person per room: that is how 1.6% of households in Port St. Lucie live, near the figure in St. Lucie County (2.5%).
More people live in each home here: 2.76 on average, against 2.60 in St. Lucie County.
To get to work, 77% of workers in Port St. Lucie drive alone; in St. Lucie County, 76%.
Do the math
What would you pay each month for a home in Port St. Lucie?
A typical home costs more than the typical income allows
We start with a typical home in Port St. Lucie, worth $369,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Port St. Lucie, which is $80,648 a year. For that payment to be 28% of income, a household would need to earn about $131,629 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 Port St. Lucie. 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 $12,922 (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
$3,071
at 7.18% · 30 years
Loan amount
$362,513
Total interest
$521,571
Paid off in
November 2056
Includes $6,235 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,882 a month
Tight
$1,882 to $2,419 a month
Hard
more than $2,419 a month
Your payment · 46%
Compared with the typical household income in Port St. Lucie ($80,648 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,456
Property tax
$298
Home insurance
$154
FHA mortgage insurance (MIP)
$163
You need at least $12,922 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 $3,071; principal and interest $2,456.
The city and its county
Port St. Lucie and St. Lucie County
Port St. Lucie 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).
Port St. Lucie
Map of St. Lucie County, Florida, with Port St. Lucie marked. Around it, the neighboring counties.
Port St. Lucie
St. Lucie County
Other cities with a page
Port St. Lucie's own numbers
Typical home value
$369,200
Typical monthly rent
$1,937
Typical yearly household income
$80,648
Households that own their home
84%
Effective property tax rate
0.97%
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 Port St. Lucie is worth $369,200: 6% above the county and 3% above Florida. With the typical household income in Port St. Lucie ($80,648 a year), a typical home costs 4.6 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 St. Lucie4.6 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
Port St. Lucie 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
Port St. Lucie$369,200
St. Lucie$347,300
Florida$359,000
United States$332,700
Typical monthly rent
Port St. Lucie$1,937
St. Lucie$1,585
Florida$1,669
United States$1,413
Typical yearly household income
Port St. Lucie$80,648
St. Lucie$71,457
Florida$74,568
United States$80,734
See the full table
Port St. Lucie next to St. Lucie County and Florida
Measure
Port St. Lucie
St. Lucie County
Florida
U.S.
Typical home value
$369,200 ▲6% above the county
$347,300
$359,000
$332,700
Typical monthly rent
$1,937 ▲22% above the county
$1,585
$1,669
$1,413
Typical yearly household income
$80,648 ▲13% above the county
$71,457
$74,568
$80,734
Households that own their home
84% ▲5 points above the county
79%
68%
65%
Typical yearly property tax
$3,585 ▲11% above the county
$3,241
$2,730
$3,119
Effective property tax rate
0.97% ▲0.04 points above the county
0.93%
0.76%
0.94%
Renters with high rent for their income
63% ▼3 points below the county
65%
60%
51%
“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 Port St. Lucie
For a typical $369,200 home in Port St. Lucie, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Port St. Lucie's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,071a month
Least cash to close
Down payment
$12,922
Cash to close
$23,998
Rate
7.18%
Mortgage insurance
FHA MIP · $163
Conventional, 5% down$3,004a month
Down payment
$18,460
Cash to close
$29,536
Rate
7.18%
Mortgage insurance
PMI · $175
Conventional, 20% down, no PMI$2,453a month
Down payment
$73,840
Cash to close
$84,916
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,794a month
Down payment
$55,380
Cash to close
$66,456
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Port St. Lucie
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,071
$12,922
$362,513
7.18%
FHA MIP · $163
$23,998
580
Conventional, 5% down
$3,004
$18,460
$350,740
7.18%
PMI · $175
$29,536
620*
Conventional, 20% down, no PMI
$2,453
$73,840
$295,360
7.18%
None
$84,916
620*
ITIN, 15% down (example)
$2,794
$55,380
$313,820
8.18%
None
$66,456
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 St. Lucie is $1,937 a month: 22% above the county. In Port St. Lucie, 63% of renter households pay 30% or more of their income in rent.
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 Port St. Lucie
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Port St. Lucie has 6 ZIP codes with their own.
For 2 bedrooms it runs from $2,210 in 34986 to $2,890 in 34987.
6 of the 6 are above the fair market rent for St. Lucie County ($2,069).
2-bedroom fair market rent in each of the 6 ZIP codes of Port St. Lucie, beside the one for St. Lucie County. For 2 bedrooms it runs from $2,210 in 34986 to $2,890 in 34987. 6 of the 6 are above the fair market rent for St. Lucie County ($2,069).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $2,069
Lowest: $2,210 (34986)Highest: $2,890 (34987)
Fair market rent by ZIP code and size in Port St. Lucie, fiscal year 2027.
34952
$1,850
$1,860
$2,240
$3,030
$3,170
34953
$2,220
$2,230
$2,690
$3,640
$3,800
34983
$1,980
$1,990
$2,400
$3,250
$3,390
34984
$2,190
$2,200
$2,650
$3,590
$3,750
34986
$1,820
$1,830
$2,210
$2,990
$3,120
34987
$2,380
$2,400
$2,890
$3,910
$4,080
ZIP code2 bd3 bd
34952 $2,240$3,030
34953 $2,690$3,640
34983 $2,400$3,250
34984 $2,650$3,590
34986 $2,210$2,990
34987 $2,890$3,910
4 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Port St. Lucie 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)
HUD lists 5 buildings with rents for lower incomes in Port St. Lucie. These are the largest.
Sanctuary at Winterlakes5410 NW Rabbit Run, Port St Lucie 34986284 low-income homes · 1 bd: 84 · 2 bd: 140 · 3 bd: 60 · In service since 2001 · For families
Peacock Run5502 NW E Torino Pkwy, Port St Lucie 34986264 low-income homes · 1 bd: 72 · 2 bd: 112 · 3 bd: 80 · In service since 2003
ST Andrews Pointe2550 NW Hatches Harbor Rd, Port St Lucie 34983184 low-income homes · 1 bd: 40 · 2 bd: 88 · 3 bd: 32 · 4 bd: 24 · In service since 2004 · For families
Grove Park9800 Lennard Road, Port St Lucie 34952210 homes, 168 low-income · 1 bd: 20 · 2 bd: 1 · 3 bd: 131 · 4 bd: 29 · In service since 2016 · For families
Cove at ST Lucie4400 NW Cove Cir, Port St Lucie 34983144 low-income homes · 1 bd: 32 · 2 bd: 80 · 3 bd: 32 · In service since 1999 · For older adults
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 Port St. Lucie or St. Lucie County. The ones below are statewide in Florida: they work in Port St. Lucie 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 St. Lucie, 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 · 11 miles away · Spanish
No legal help resource on our list is for Port St. Lucie 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 Port St. Lucie 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 Port St. Lucie?
The typical home value in Port St. Lucie is $369,200, 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 Port St. Lucie?
Typical rent in Port St. Lucie is $1,937 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 Port St. Lucie?
Port St. Lucie 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 Port St. Lucie?
The typical homeowner in Port St. Lucie pays $3,585 a year, according to the U.S. Census Bureau. That is 0.97% 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 Port St. Lucie?
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.
