Port St. Lucie, FL home prices
Typical home $381,493 · -0.8% in a year · income needed $108,900
The Port St. Lucie, FL metro area ranks 182 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -0.8% in a year and +19.3% over five years. With 20% down at 7.11%, the typical home costs about $2,540 a month including 0.93% property tax (Saint Lucie County rate).
Mortgage on the typical Port St. Lucie home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $76,299 | $305,195 | $2,053 | $0 | $487 | $2,540 | $108,900 |
| 10% down | $38,149 | $343,344 | $2,310 | $143 | $487 | $2,940 | $126,000 |
| 5% down | $19,075 | $362,419 | $2,438 | $151 | $487 | $3,076 | $131,800 |
| 3.5% down (FHA) | $13,352 | $374,584 | $2,520 | $169 | $487 | $3,176 | $136,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.93% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Port St. Lucie area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Saint Lucie County, FL | $370,781 | -0.9% | 0.93% |
| Martin County, FL | $448,233 | +0.7% | 0.77% |
What can you afford in Florida on your salary? · Florida home prices · Salaries in Florida
Frequently asked questions
How much is a house in Port St. Lucie?
The typical home in the Port St. Lucie, FL metro area is worth $381,493 (Zillow, September 2026).
What salary do you need to buy a house in Port St. Lucie?
About $108,900 a year for the typical home with 20% down at 7.11%.