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City · 5,714 residents · St. Lucie County, Florida

River Park , Florida

In River Park, a typical home is worth $244,000 and typical rent is $1,690 a month. Compared with all of St. Lucie County, the typical home value is 30% lower, typical household income is 22% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $244,000

    30% below the county

    32% below Florida

    • River Park
    • St. Lucie
    • Florida

  • Typical rent

    $1,690a month

    7% above the county

    About the same as Florida

    • River Park
    • St. Lucie
    • Florida

  • Typical household income

    $55,437a year

    22% below the county

    26% below Florida

    • River Park
    • St. Lucie
    • Florida

  • Households that own their home

    73%

    6 points below the county

    5 points above Florida

    • River Park
    • St. Lucie
    • Florida

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

River Park 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 River Park apart

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: 37% less than in River Park ($1,690).

  2. River Park has the 18th largest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (78%).

  3. The typical home in River Park is worth $244,000, 30% less than in St. Lucie County as a whole ($347,300).

  4. The typical household income in River Park is $55,437, 22% less than in St. Lucie County as a whole ($71,457).

  5. 73% of households in River Park own their home, against 79% in St. Lucie County.

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

The homes here

Housing in River Park

What homes there are in River Park, 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

The detached house is still the most common home in River Park, but it weighs less than in St. Lucie County: 66% against 72%.

Mobile homes are 24% of homes in River Park, more than in St. Lucie County (7%).

Year built

In River Park, half of the homes were built before 1975; in St. Lucie County, before 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
Monthly rent with utilities

With a mortgage

$1,908 a month

St. Lucie County: $1,913 a month

Without a mortgage

$417 a month

St. Lucie County: $690 a month

Owners with a mortgage

34%

St. Lucie County: 57%

The typical cost for an owner with a mortgage in River Park is $1,908 a month, near the figure in St. Lucie County ($1,913).

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 River Park rose 112% since 2015–2019, more than in St. Lucie County (86%).

Rents in River Park rose faster than in St. Lucie County: 47% since 2015–2019, against 34%.

Here income did not keep up with housing: it rose 40%, while home values changed +112% and rent +47%.

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

MeasureRiver ParkSt. 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 2.252.602.512.53
Drive alone 77%76%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 8%12%16%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in River Park are smaller: 2.25 people on average; in St. Lucie County, 2.60.

In River Park, 77% of workers drive alone to work; 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 River Park?

A typical home costs more than the typical income allows

We start with a typical home in River Park, worth $244,000, 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 River Park, which is $55,437 a year. For that payment to be 28% of income, a household would need to earn about $85,859 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 River Park. 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 $8,540 (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

$2,003

at 7.18% · 30 years

Loan amount
$239,581
Total interest
$344,700
Paid off in
November 2056

Includes $4,121 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,294 a month

  • Tight

    $1,294 to $1,663 a month

  • Hard

    more than $1,663 a month

    Your payment · 43%

Compared with the typical household income in River Park ($55,437 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,003
Principal & interest$1,623
Property tax$171
Home insurance$102
FHA mortgage insurance (MIP)$108

You need at least $8,540 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

River Park and St. Lucie County

River Park 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).

River Park's own numbers

Typical home value
$244,000
Typical monthly rent
$1,690
Typical yearly household income
$55,437
Households that own their home
73%
Effective property tax rate
0.84%

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 River Park

A typical home in River Park is worth $244,000: 30% below the county and 32% below Florida. With the typical household income in River Park ($55,437 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.

  • River Park 4.4 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

River Park 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
  • River Park $244,000
  • St. Lucie $347,300
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • River Park $1,690
  • St. Lucie $1,585
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • River Park $55,437
  • St. Lucie $71,457
  • Florida $74,568
  • United States $80,734
See the full table
River Park next to St. Lucie County and Florida
Measure River Park St. Lucie County Florida U.S.
Typical home value $244,000 $347,300 $359,000 $332,700
Typical monthly rent $1,690 $1,585 $1,669 $1,413
Typical yearly household income $55,437 $71,457 $74,568 $80,734
Households that own their home 73% 79% 68% 65%
Typical yearly property tax $2,039 $3,241 $2,730 $3,119
Effective property tax rate 0.84% 0.93% 0.76% 0.94%
Renters with high rent for their income 78% 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 River Park

For a typical $244,000 home in River Park, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, River Park's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,003a month

    Least cash to close
    Down payment
    $8,540
    Cash to close
    $15,860
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $108

  • Conventional, 5% down $1,959a month

    Down payment
    $12,200
    Cash to close
    $19,520
    Rate
    7.18%
    Mortgage insurance
    PMI · $116

  • Conventional, 20% down, no PMI $1,595a month

    Down payment
    $48,800
    Cash to close
    $56,120
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,820a month

    Down payment
    $36,600
    Cash to close
    $43,920
    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 River Park and for St. Lucie County.

Property tax

Effective rate in River Park

0.84%of the home’s value each year

$2,039 a year for the typical owner in River Park.

  • River Park 0.84%
  • 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 River Park

Typical rent in River Park is $1,690 a month: 7% above the county. In River Park, 78% 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.

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 River Park

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

For 2 bedrooms it runs from $2,240 in 34952 to $2,400 in 34983.

2 of the 2 are above the fair market rent for St. Lucie County ($2,069).

  • 34952 $2,240$3,030
  • 34983 $2,400$3,250

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for River Park 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 River Park

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 grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in River Park

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

Which programs do I qualify for? All programs in Florida

Housing counselors near River Park

The HUD-approved agencies closest to the center of River Park, 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 · 11 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 · 39 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 · 40 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 River Park

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 River Park

In HUD’s record, no housing authority with an office in St. Lucie County is named for River Park 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 River Park, 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 River Park.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about River Park

Short answers with the numbers for River Park 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 River Park?

The typical home value in River Park is $244,000, 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 River Park?

Typical rent in River Park is $1,690 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 River Park?

River Park 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 River Park?

The typical homeowner in River Park pays $2,039 a year, according to the U.S. Census Bureau. That is 0.84% 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 River Park?

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).