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City · 18,520 residents · Martin County, Florida

Stuart , Florida

In Stuart, a typical home is worth $329,400 and typical rent is $1,586 a month. Compared with all of Martin County, typical household income is 27% lower, the typical home value is 24% lower, and the share of households that own their home is 21 points lower.

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  • Typical home value

    $329,400

    24% below the county

    8% below Florida

    • Stuart
    • Martin
    • Florida

  • Typical rent

    $1,586a month

    About the same as the county

    5% below Florida

    • Stuart
    • Martin
    • Florida

  • Typical household income

    $60,225a year

    27% below the county

    19% below Florida

    • Stuart
    • Martin
    • Florida

  • Households that own their home

    59%

    21 points below the county

    9 points below Florida

    • Stuart
    • Martin
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$374,216
about the same as 12 months ago
Typical rent
$2,151 a month
2.1% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Stuart 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Stuart apart

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

  1. 59% of households in Stuart own their home, against 80% in Martin County.

  2. Nearby, in Hobe Sound, the typical rent is $1,129: 29% less than in Stuart ($1,586).

  3. Nearby, in River Park, the typical home value is $244,000: 26% less than in Stuart ($329,400).

  4. The typical household income in Stuart is $60,225, 27% less than in Martin County as a whole ($82,943).

  5. The typical home in Stuart is worth $329,400, 24% less than in Martin County as a whole ($432,200).

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

The homes here

Housing in Stuart

What homes there are in Stuart, 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 Stuart, the apartment is the most common kind of home: 57%, against 22% in Martin County.

Year built

Homes in Stuart are older: the typical year built is 1982; in Martin County, 1986.

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

About 82% of owner-occupied homes in Stuart are worth less than the FHA loan limit for Martin County ($603,750).

Monthly rent with utilities

With a mortgage

$2,035 a month

Martin County: $2,238 a month

Without a mortgage

$703 a month

Martin County: $789 a month

Owners with a mortgage

46%

Martin County: 47%

In Stuart, 46% of owners have a mortgage, and their typical cost is $2,035 a month, against $2,238 in Martin County. Without one it drops to $703.

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

From 2015–2019 to 2020–2024, the typical home value in Stuart rose 77%; in Martin County, it rose 58%.

Rents in Stuart rose at about the same pace as in Martin County: 41% since 2015–2019, against 41%.

Housing prices ran ahead of income in Stuart: typical income rose 26%, against +77% for home values and +41% for rent.

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

MeasureStuartMartin CountyFloridaUnited States
Rental vacancy 8.0%6.4%7.6%5.5%
Homeowner vacancy Unreliable estimate1.2%1.4%0.9%
More than one person per room Unreliable estimate1.7%3.3%3.4%
People per household 2.222.332.512.53
Drive alone 75%72%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 12%16%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Stuart, the rental vacancy rate is 8.0%; in Martin County, 6.4%.

By size, households in Stuart look like those in Martin County: 2.22 people on average.

In Stuart, 75% of workers drive alone to work; in Martin County, 72%.

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 Stuart?

A typical home costs more than the typical income allows

We start with a typical home in Stuart, worth $329,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Stuart, which is $60,225 a year. For that payment to be 28% of income, a household would need to earn about $113,440 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Stuart. 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 $11,529 (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

$2,647

at 7.18% · 30 years

Loan amount
$323,434
Total interest
$465,345
Paid off in
November 2056

Includes $5,563 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,405 a month

  • Tight

    $1,405 to $1,807 a month

  • Hard

    more than $1,807 a month

    Your payment · 53%

Compared with the typical household income in Stuart ($60,225 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,647
Principal & interest$2,191
Property tax$173
Home insurance$137
FHA mortgage insurance (MIP)$146

You need at least $11,529 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

Stuart and Martin County

Stuart 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).

Stuart's own numbers

Typical home value
$329,400
Typical monthly rent
$1,586
Typical yearly household income
$60,225
Households that own their home
59%
Effective property tax rate
0.63%

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.

Everything about Martin County

Buying

Buying a home in Stuart

A typical home in Stuart is worth $329,400: 24% below the county and 8% below Florida. With the typical household income in Stuart ($60,225 a year), a typical home costs 5.5 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.

  • Stuart 5.5 years
  • Martin 5.2 years
  • Florida 4.8 years
  • United States 4.1 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.

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

Stuart 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
  • Stuart $329,400
  • Martin $432,200
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Stuart $1,586
  • Martin $1,569
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Stuart $60,225
  • Martin $82,943
  • Florida $74,568
  • United States $80,734
See the full table
Stuart next to Martin County and Florida
Measure Stuart Martin County Florida U.S.
Typical home value $329,400 $432,200 $359,000 $332,700
Typical monthly rent $1,586 $1,569 $1,669 $1,413
Typical yearly household income $60,225 $82,943 $74,568 $80,734
Households that own their home 59% 80% 68% 65%
Typical yearly property tax $2,063 $3,322 $2,730 $3,119
Effective property tax rate 0.63% 0.77% 0.76% 0.94%
Renters with high rent for their income 69% 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 Stuart

For a typical $329,400 home in Stuart, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Stuart's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,647a month

    Least cash to close
    Down payment
    $11,529
    Cash to close
    $21,411
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $146

  • Conventional, 5% down $2,587a month

    Down payment
    $16,470
    Cash to close
    $26,352
    Rate
    7.18%
    Mortgage insurance
    PMI · $156

  • Conventional, 20% down, no PMI $2,095a month

    Down payment
    $65,880
    Cash to close
    $75,762
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,400a month

    Down payment
    $49,410
    Cash to close
    $59,292
    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 Stuart and for Martin County.

Property tax

Effective rate in Stuart

0.63%of the home’s value each year

$2,063 a year for the typical owner in Stuart.

  • Stuart 0.63%
  • Martin 0.77%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Martin County

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

Homes in the high-risk zone
5.8%
3,905
Of those, with NFIP insurance
78%
County Florida U.S.
Homes in the high-risk zone 5.8% 13% 3.5%
Of those, with NFIP insurance 78% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Stuart

Typical rent in Stuart is $1,586 a month: about the same as the county. In Stuart, 69% 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.

HUD fair market rent for all of Martin 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 Stuart

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Stuart has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,800 in 34996 to $2,170 in 34994.

2 of the 3 are above the fair market rent for Martin County ($2,069).

  • 34957 $2,150$2,910
  • 34994 $2,170$2,940
  • 34996 $1,800$2,440

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Stuart 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?

Low-income apartments

Low-income apartments in Stuart

HUD lists 5 buildings with rents for lower incomes in Stuart. These are the largest.

  • Crossings at Indian Run 3800 SE Gatehouse Cir, Stuart 34994 344 low-income homes · 1 bd: 72 · 2 bd: 96 · 3 bd: 176 · In service since 1998 · For families
  • Ocean Pointe 300 SE Saint Lucie Blvd, Stuart 34996 200 low-income homes · 1 bd: 48 · 2 bd: 112 · 3 bd: 40 · In service since 1995 · For families
  • scatterd site 105A SE 7th St, Stuart 34994 70 low-income homes · Run by Housing Authority of the City of Stuart · Average payment: $431 a month · Average wait: 76 months · Homes at several sites (772) 287-0496
  • Hammock at Stuart Villa 701 SE Mlk Jr Blvd, Stuart 34994 32 low-income homes · In service since 2014 · For families
  • Abilities at Sierra Apartments 1001 SE Monterey Rd, Stuart 34994 24 low-income homes · For people with disabilities (228) 818-3226

See all 6 buildings in Martin County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Stuart

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.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Stuart

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Stuart

The HUD-approved agencies closest to the center of Stuart, 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 · 1 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 · 29 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 · 30 miles away · Spanish

    Also serves in Creole.

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

Every agency in Martin County All counseling agencies in Florida

Help in Spanish near Stuart

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 Stuart

HUD’s record names them for Stuart or Martin County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Stuart Public housing and Section 8 vouchers (772) 287-0496

All housing agencies in Florida Source: HUD

Cities

Other cities in Martin County

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

Everything about Martin County Housing in Florida

Nearby cities

The cities closest to Stuart, with the typical home value.

Neighboring counties

If Martin 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 Stuart.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Stuart

Short answers with the numbers for Stuart 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 Stuart?

The typical home value in Stuart is $329,400, 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 Stuart?

Typical rent in Stuart is $1,586 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 Stuart?

Stuart 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 Stuart?

The typical homeowner in Stuart pays $2,063 a year, according to the U.S. Census Bureau. That is 0.63% of the home’s value; in Martin County, the rate is 0.77%.

Where can I find free help to buy or rent in Stuart?

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.

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).