Español

Este sitio también está en español. Leer en español

City · 5,744 residents · St. Lucie County, Florida

White City , Florida

In White City, a typical home is worth $397,100 and typical rent is $1,065 a month. Compared with all of St. Lucie County, typical household income is 65% higher, typical rent is 33% lower, and the share of households that own their home is 10 points higher.

WhatsApp

  • Typical home value

    $397,100

    14% above the county

    11% above Florida

    • White City
    • St. Lucie
    • Florida

  • Typical rent

    $1,065a month

    33% below the county

    36% below Florida

    • White City
    • St. Lucie
    • Florida

  • Typical household income

    $117,720a year

    65% above the county

    58% above Florida

    • White City
    • St. Lucie
    • Florida

  • Households that own their home

    89%

    10 points above the county

    21 points above Florida

    • White City
    • St. Lucie
    • Florida

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

White City 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 White City apart

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

  1. The typical household income in White City is $117,720, 65% more than in St. Lucie County as a whole ($71,457).

  2. Nearby, in River Park, the typical home value is $244,000: 39% less than in White City ($397,100).

  3. The typical rent in White City is $1,065 a month, 33% less than in St. Lucie County as a whole ($1,585).

  4. 89% of households in White City own their home, against 79% in St. Lucie County.

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

The homes here

Housing in White City

What homes there are in White City, 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 rules in White City: 94% of homes, more than in St. Lucie County (72%).

Year built

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

$1,760 a month

St. Lucie County: $1,913 a month

Without a mortgage

$710 a month

St. Lucie County: $690 a month

Owners with a mortgage

58%

St. Lucie County: 57%

Owning costs less in White City: with a mortgage, the typical cost is $1,760 a month; in St. Lucie County, $1,913. Without one, $710.

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 boundaries of White City changed since 2015–2019, so the Census does not compare its figures from then and now. In St. Lucie County, the typical home value rose 86%.

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

MeasureWhite CitySt. 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 2.892.602.512.53
Drive alone 66%76%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home Unreliable estimate12%16%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in White City has 2.89 people, more than in St. Lucie County (2.60).

To get to work, 66% of workers in White City drive alone; 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 White City?

A typical home is tight for the typical income

We start with a typical home in White City, worth $397,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in White City, which is $117,720 a year. For that payment to be 28% of income, a household would need to earn about $140,158 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 White City. 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 $13,899 (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

$3,270

at 7.18% · 30 years

Loan amount
$389,907
Total interest
$560,985
Paid off in
November 2056

Includes $6,706 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,747 a month

  • Tight

    $2,747 to $3,532 a month

    Your payment · 33%

  • Hard

    more than $3,532 a month

Compared with the typical household income in White City ($117,720 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,270
Principal & interest$2,641
Property tax$288
Home insurance$166
FHA mortgage insurance (MIP)$176

You need at least $13,899 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

White City and St. Lucie County

White City 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).

White City's own numbers

Typical home value
$397,100
Typical monthly rent
$1,065
Typical yearly household income
$117,720
Households that own their home
89%
Effective property tax rate
0.87%

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 White City

A typical home in White City is worth $397,100: 14% above the county and 11% above Florida. With the typical household income in White City ($117,720 a year), a typical home costs 3.4 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.

  • White City 3.4 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

White City 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
  • White City $397,100
  • St. Lucie $347,300
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • White City $1,065
  • St. Lucie $1,585
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • White City $117,720
  • St. Lucie $71,457
  • Florida $74,568
  • United States $80,734
See the full table
White City next to St. Lucie County and Florida
Measure White City St. Lucie County Florida U.S.
Typical home value $397,100 $347,300 $359,000 $332,700
Typical monthly rent $1,065 $1,585 $1,669 $1,413
Typical yearly household income $117,720 $71,457 $74,568 $80,734
Households that own their home 89% 79% 68% 65%
Typical yearly property tax $3,472 $3,241 $2,730 $3,119
Effective property tax rate 0.87% 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 White City

For a typical $397,100 home in White City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, White City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,270a month

    Least cash to close
    Down payment
    $13,899
    Cash to close
    $25,812
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $176

  • Conventional, 5% down $3,198a month

    Down payment
    $19,855
    Cash to close
    $31,768
    Rate
    7.18%
    Mortgage insurance
    PMI · $189

  • Conventional, 20% down, no PMI $2,605a month

    Down payment
    $79,420
    Cash to close
    $91,333
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,973a month

    Down payment
    $59,565
    Cash to close
    $71,478
    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 White City and for St. Lucie County.

Property tax

Effective rate in White City

0.87%of the home’s value each year

$3,472 a year for the typical owner in White City.

  • White City 0.87%
  • 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 White City

Typical rent in White City is $1,065 a month: 33% below 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.

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 White City

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

For 2 bedrooms it runs from $1,710 in 34982 to $1,830 in 34981.

None is above the fair market rent for St. Lucie County ($2,069).

  • 34981 $1,830$2,480
  • 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 White City 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 White City

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 man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in White City

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

Which programs do I qualify for? All programs in Florida

Housing counselors near White City

The HUD-approved agencies closest to the center of White City, 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 · 15 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 · 42 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 · 44 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 White City

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 White City

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

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

Questions

Housing questions about White City

Short answers with the numbers for White City 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 White City?

The typical home value in White City is $397,100, 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 White City?

Typical rent in White City is $1,065 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 White City?

White City 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 White City?

The typical homeowner in White City pays $3,472 a year, according to the U.S. Census Bureau. That is 0.87% 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 White City?

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).