Port St. Lucie FHA Loan Rates, Closing Costs & Stats

PORT ST. LUCIE, FL

FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

For additional requirements as defined by the FHA, click here.

Port St. Lucie's 215 lenders originated 3,267 FHA loans during 2022. The total origination value was $997,015,000, with an average FHA loan value of $305,178.

Port St. Lucie FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in Port St. Lucie averaged 5.99% for the week of 2024-02-16, compared to the national average (all FHA variants) of 6.611% for the same period.

Port St. Lucie's average FHA mortgage closing costs are $9,217.

The average rate for the prior week (2024-02-09) was 6.1% and one month ago for the week of 2024-01-12, the average rate was 6.04%.

The average rate one year ago was 5.59%.

For refis of the same type during the week of 2024-02-16, the average rate was 5.01%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Port St. Lucie FHA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Port St. Lucie level.

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 358 4.85% $13,415
QUICKEN LOANS, LLC 207 4.37% $12,185
CROSSCOUNTRY MORTGAGE, LLC 154 5.15% $14,510
LOANDEPOT.COM, LLC 126 4.89% $12,568
DHI MORTGAGE COMPANY, LTD. 125 4.14% $11,387
CALIBER HOME LOANS, INC. 105 4.64% $13,300
Paramount Residential Mortgage Group, Inc. 89 5.14% $16,076
FREEDOM MORTGAGE CORPORATION 74 4.79% $12,952
CARDINAL FINANCIAL 73 4.75% $13,052
PENNYMAC LOAN SERVICES, LLC 65 4.46% $12,717
EAGLE HOME MORTGAGE, LLC 65 4.89% $12,156
Flagstar Bank, FSB 65 4.67% $12,268
FBC MORTGAGE, LLC 55 4.72% $10,957
EVERETT FINANCIAL, INC. 52 5.29% $8,931
HOME POINT FINANCIAL CORPORATION 50 3.98% $14,243
PRIMARY RESIDENTIAL MORTGAGE, INC. 48 5.05% $13,712
ACOPIA, LLC 42 5.43% $13,940
Carrington Mortgage Services, LLC 40 4.92% $14,459
EMM LOANS LLC 36 5.03% $12,286
Equity Prime Mortgage LLC 35 4.98% $12,655
NVR Mortgage Finance, Inc. 28 4.38% $12,270
NEWREZ LLC 26 4.71% $11,424
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 25 4.62% $12,634
SWBC MORTGAGE CORPORATION 24 5.22% $9,996
PRIMELENDING, A PLAINSCAPITAL COMPANY 21 5.04% $12,004
AMERICAN PACIFIC MORTGAGE CORPORATION 20 5.09% $16,222
LAKEVIEW LOAN SERVICING, LLC 20 3.85% $8,528
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 20 4.27% $14,120
BROKER SOLUTIONS, INC. 19 4.97% $11,522
THE MORTGAGE FIRM, INC. 19 5.35% $13,150
BAY EQUITY LLC 19 4.92% $14,335
Mortgage Lenders Investment Trading Corporation 19 4.50% $9,284
AMERISAVE MORTGAGE CORPORATION 19 4.34% $13,472
SHELTER MORTGAGE COMPANY, L.L.C. 18 3.82% $11,424
MOVEMENT MORTGAGE, LLC 18 5.14% $13,766
Mr. Cooper ( Nationstar Mortgage ) 18 4.39% $10,921
PLANET HOME LENDING, LLC 17 4.40% $10,066
ACADEMY MORTGAGE CORPORATION 16 4.34% $13,059
HAMILTON HOME LOANS, INC. 15 4.80% $14,843
CALCON MUTUAL MORTGAGE LLC 15 3.80% $9,529
ABSOLUTE HOME MORTGAGE CORPORATION 14 5.45% $15,351
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 14 5.49% $14,849
Lakeview Community Capital, LLC 14 3.61% $7,550
GUARANTEED RATE, INC. 14 5.04% $14,150
NFM, INC. 13 5.85% $16,470
NP, Inc. 13 4.62% $15,169
ARK-LA-TEX FINANCIAL SERVICES, LLC. 12 4.96% $14,475
GUARANTEED RATE AFFINITY, LLC 12 4.89% $12,438
Christensen Financial, Inc. 12 4.78% $11,269
Hometown Equity Mortgage, LLC 12 5.35% $17,093
U.S. Bank 12 4.03% $12,204
MATTAMY HOME FUNDING, LLC 12 4.65% $12,773
FIDELITY FUNDING MORTGAGE CORP. 12 5.24% $12,443
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 12 5.44% $14,025
GENEVA FINANCIAL, LLC 11 5.25% $14,620
HOMESIDE FINANCIAL, LLC 11 5.01% $14,533
Century Mortgage Company DBA Century Lending Company 11 5.07% $14,324
LOANPAL, LLC 10 4.13% $14,185
OCMBC, INC. 10 4.55% $12,699
Plains Commerce Bank 10 5.06% $13,584
TOP FLITE FINANCIAL, INC. 10 5.54% $16,382
PLAZA HOME MORTGAGE, INC. 9 5.51% $18,880
JPMorgan Chase Bank 9 4.91% $9,236
Northpointe Bank 9 4.40% $13,167
CASTLE & COOKE MORTGAGE, LLC 9 4.58% $14,929
INSPIRE HOME LOANS INC. 8 4.64% $11,286
Citizens Bank 8 3.86% $12,361
PNC Bank 8 4.30% $9,033
J. VIRGIL, INC. 8 4.56% $14,048
MY MORTGAGE, INC. 8 4.86% $16,627
VILLAGE CAPITAL MORTGAGE 8 3.55% $4,906
RESIDENTIAL BANCORP 7 4.62% $13,943
UNITED MORTGAGE CORP 7 5.20% $16,123
SUN WEST MORTGAGE COMPANY, INC. 7 5.21% $14,316
PULTE MORTGAGE LLC 7 4.80% $9,450
MUTUAL OF OMAHA MORTGAGE, INC. 7 4.04% $13,307
AMERICAN FINANCING CORPORATION 7 4.30% $11,426
1ST FINANCIAL, INC. 6 5.54% $14,703
CMG MORTGAGE, INC. 6 5.71% $14,208
CAPITAL PARTNERS MORTGAGE, LLC 6 4.88% $13,259
Nations Lending Corporation 5 5.65% $16,271
Waterstone Mortgage Corporation 5 4.98% $12,870
MICHIGAN MUTUAL, INC. 5 4.47% $15,266
Cornerstone First Mortgage, Inc 5 4.68% $14,089
AMCAP MORTGAGE, LTD. 5 4.73% $17,761
FINANCE OF AMERICA MORTGAGE LLC 5 4.33% $11,509
HOMEBRIDGE FINANCIAL SERVICES, INC. 5 4.80% $15,683
RELIANCE FIRST CAPITAL, LLC 5 4.63% $12,926
South State Bank 5 4.93% $10,046
AMERICAN BANCSHARES MORTGAGE 4 5.41% $13,090
Wells Fargo Bank 4 5.03% $5,098
BAYSHORE MORTGAGE FUNDING, LLC 4 4.72% $11,141
NATIONWIDE MORTGAGE BANKERS, INC. 4 5.25% $13,994
AMERIFIRST FINANCIAL CORPORATION 4 5.19% $15,127
AmeriHome Mortgage Company, LLC 4 3.81% $9,854
Gateway First Bank 4 3.78% $8,731
TOTAL MORTGAGE SERVICES, LLC 4 5.16% $12,007
GSF Mortgage Corporation 4 4.94% $21,189
CONTOUR MORTGAGE CORPORATION 4 5.00% $16,112
COLUMBUS CAPITAL LENDING, LLC 4 5.56% $16,736
MORTGAGE SOLUTIONS OF COLORADO, LLC 4 4.91% $17,338
MORIA DEVELOPMENT, INC. 4 4.91% $14,396
MID AMERICA MORTGAGE, INC. 4 5.28% $8,425
HOMESPIRE MORTGAGE CORPORATION 4 4.78% $13,915
Sierra Pacific Mortgage Company, Inc. 4 4.03% $16,555
NATIONS DIRECT MORTGAGE, LLC 3 5.67% $15,324
Bank of America 3 3.96% $13,509
BECKAM FUNDING CORP. 3 5.38% $24,110
Commerce Home Mortgage, Inc. 3 4.83% $10,473
East Coast Capital Corp. 3 5.54% $18,507
First Savings Bank 3 3.92% $11,658
JMAC LENDING, INC. 3 3.46% $9,701
LAND HOME FINANCIAL SERVICES, INC. 3 6.54% $19,878
Mortgage Research Center, LLC 3 6.13% $8,440
Prosperity Home Mortgage, LLC 3 5.79% $13,877
SUCCESS MORTGAGE PARTNERS, INC. 3 4.29% $14,298
T2 FINANCIAL LLC 3 5.04% $15,256
TOWNE MORTGAGE COMPANY 3 4.63% $10,463
VAN DYK MORTGAGE CORPORATION 3 4.21% $11,235
ROUNDPOINT MORTGAGE SERVICING CORPORATION 2 4.63% $14,761
RUOFF MORTGAGE COMPANY, INC. 2 5.38% $11,728
FOUNDATION MORTGAGE CORPORATION 2 4.50% $15,007
AXIA FINANCIAL, LLC 2 4.06% $14,691
Seacoast National Bank 2 6.13% $13,483
EMBRACE HOME LOANS, INC. 2 4.63% $10,586
CERTAINTY HOME LOANS, LLC 2 5.50% $10,452
HOMESTAR FINANCIAL CORPORATION 2 5.81% $23,300
NORWICH COMMERCIAL GROUP, INC. 2 4.25% $18,470
NETWORK CAPITAL FUNDING CORPORATION 2 4.19% $14,917
Town Square Mortgage & Investments, Inc. 2 4.13% $12,806
AHL FUNDING 2 6.19% $19,707
UNION HOME MORTGAGE CORP. 2 3.25% $9,429
CityWorth Mortgage LLC 2 3.50% $9,591
City National Bank of Florida 2 4.56% $14,512
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 2 4.00% $13,995
Regions Bank 2 6.06% $12,747
CHURCHILL MORTGAGE CORPORATION 2 6.19% $13,035
ALAMEDA MORTGAGE CORPORATION 2 4.81% $17,924
ZILLOW HOME LOANS, LLC 2 4.00% $12,468
RESIDENTIAL HOME FUNDING CORP. 2 3.56% $17,537
LADERA LENDING, INC. 2 5.69% $13,796
OCEANSIDE MORTGAGE COMPANY 2 5.00% $7,460
VERITAS FUNDING, LLC 2 5.75% $11,376
LEADERONE FINANCIAL CORPORATION 2 4.13% $16,031
Advisors Mortgage Group, L.L.C. 2 5.00% $15,303
TD Bank 2 3.69% $8,814
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 5.25% $10,885
POLARIS HOME FUNDING CORP. 1 3.88% $15,630
Credence Funding Corporation 1 5.13% $12,911
Prime Choice Funding Inc. 1 4.25% $10,747
COMPASS MORTGAGE, INC. 1 5.75% $14,496
RADIUS FINANCIAL GROUP INC. 1 4.25% $13,488
CHAMPIONS MORTGAGE LLC 1 4.00% $9,687
Residential Mortgage Solutions, Inc. 1 3.13% $10,274
S1L, Inc. 1 3.50% $10,055
SECURITYNATIONAL MORTGAGE COMPANY 1 3.25% $12,031
BNC National Bank 1 5.13% $11,083
SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 5.63% $12,538
SOUTHERN TRUST MORTGAGE, LLC 1 2.75% $11,864
South Pacific Financial Corporation 1 5.25% $14,087
BANKSOUTH MORTGAGE COMPANY, LLC 1 3.50% $15,301
SOVEREIGN LENDING GROUP INCORPORATED 1 5.63% $9,193
WATSON MORTGAGE CORP. 1 5.75% $11,717
Summit Mortgage Corporation 1 3.88% $11,338
Sunflower Bank 1 4.88% $12,271
Bank of England 1 6.38% $20,289
BANKING MORTGAGE SERVICES, B.M.S. CORP. 1 5.63% $16,461
Synovus Bank 1 7.25% $10,583
Texana Bank 1 2.88% $9,171
THE EQUITABLE MORTGAGE CORPORATION 1 5.13% $15,293
The Federal Savings Bank 1 5.13% $6,422
THE MORTGAGE LINK, INC. 1 5.00% $13,708
TIDEWATER MORTGAGE SERVICES, INC. 1 5.25% $17,629
TJC Mortgage, Inc. 1 4.63% $13,484
ASPIRE FINANCIAL, INC. 1 4.63% $13,032
ARC HOME LLC 1 3.99% $16,770
Wyndham Capital Mortgage, Inc. 1 5.00% $11,938
Truist 1 4.25% $7,542
AmRes Corporation 1 6.13% $14,101
UNITED SECURITY FINANCIAL CORP 1 5.88% $21,759
Amerifirst Financial, Inc. 1 4.88% $5,823
UNIVERSITY LENDING GROUP, LLC 1 5.63% $12,211
ALLIED MORTGAGE GROUP, INC. 1 6.13% $17,384
US MORTGAGE CORPORATION 1 4.63% $12,820
LAKE MICHIGAN CREDIT UNION 1 6.50% $13,132
JET HOMELOANS, LLC 1 5.13% $15,092
INTELLILOAN, INC. 1 5.38% $8,448
Hometown Lenders, Inc. 1 5.13% $14,965
Independent Bank 1 6.13% $15,405
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 5.75% $13,044
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 4.13% $15,218
MILEND, INC. 1 6.63% $11,351
MLD MORTGAGE INC. 1 5.50% $9,701
HOME FINANCING CENTER, INC. 1 5.75% $22,239
HighTechLending Inc 1 5.63% $19,179
GUARANTY HOME MORTGAGE CORPORATION 1 6.50% $16,081
Goldwater Bank, N.A. 1 3.25% $15,056
First State Bank of St. Charles, Missouri 1 2.75% $15,510
FIRST MORTGAGE COMPANY, INC. 1 6.38% $0
First Home Bank 1 4.63% $12,013
FIRST HERITAGE FINANCIAL, LLC 1 5.75% $14,727
NATIONS RELIABLE LENDING, LLC 1 7.25% $15,995
First Guaranty Mortgage Corporation 1 3.75% $13,308
Neighborhood Loans, Inc. 1 6.99% $13,545
FIRST EQUITY MORTGAGE BANKERS, INC. 1 6.13% $20,399
FIRST COMMUNITY MORTGAGE, INC. 1 5.13% $12,927
FirstBank 1 3.88% $11,118
Financial Freedom Mortgage, LLC 1 5.63% $11,814
FAY SERVICING, LLC 1 5.75% $9,240
Evolve Bank & Trust 1 3.88% $10,980
DRAPER AND KRAMER MORTGAGE CORP. 1 4.25% $10,741
Peoples Bank 1 3.75% $10,922
PINNACLE MORTGAGE, INC. 1 3.00% $9,349
DAS Acquisition Company, LLC 1 5.63% $22,741
CROSSFIRE FINANCIAL NETWORK, INC. 1 4.50% $17,799

The top Port St. Lucie FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 358 FHA loans originated. Their average total fees are $13,415, which is $1,231 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Port St. Lucie FHA lenders (with over 10 loans originated) are Lakeview Community Capital, LLC ($7,550), LAKEVIEW LOAN SERVICING, LLC ($8,528), EVERETT FINANCIAL, INC. ($8,931), Mortgage Lenders Investment Trading Corporation ($9,284) and CALCON MUTUAL MORTGAGE LLC ($9,529).

The lowest rate Port St. Lucie FHA lenders (with over 10 loans originated) are Lakeview Community Capital, LLC (3.61%), CALCON MUTUAL MORTGAGE LLC (3.80%), SHELTER MORTGAGE COMPANY, L.L.C. (3.82%), LAKEVIEW LOAN SERVICING, LLC (3.85%) and HOME POINT FINANCIAL CORPORATION (3.98%).

Port St. Lucie FHA Loan Limits

Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
PORT ST. LUCIE, FL MARTIN 2022 $431,250 $552,050 $667,350 $829,350
PORT ST. LUCIE, FL ST. LUCIE 2022 $431,250 $552,050 $667,350 $829,350
PORT ST. LUCIE, FL MARTIN 2023 $500,250 $640,400 $774,100 $962,050
PORT ST. LUCIE, FL ST. LUCIE 2023 $500,250 $640,400 $774,100 $962,050

Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Port St. Lucie (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $285,000 (5.3%) $522,839 (10.2%) 1.06 3,471
2018-02-01 $284,950 (4.4%) $516,912 (3.2%) 1.03 3,585
2018-03-01 $284,894 (2.3%) $526,540 (2.5%) 1.00 3,561
2018-04-01 $283,800 (2.1%) $512,496 (1.1%) 0.96 3,509
2018-05-01 $283,900 (1.4%) $506,440 (-2.9%) 0.95 3,305
2018-06-01 $284,900 (0.3%) $501,856 (-2.4%) 0.95 3,207
2018-07-01 $289,854 (1.7%) $509,253 (-3.1%) 0.97 3,147
2018-08-01 $289,900 (1.7%) $515,156 (-2.2%) 0.97 3,175
2018-09-01 $289,000 (1.4%) $510,669 (-1.1%) 0.97 3,246
2018-10-01 $289,444 (1.7%) $512,256 (-0.8%) 0.98 3,374
2018-11-01 $289,700 (0.4%) $521,254 (-3.1%) 0.98 3,607
2018-12-01 $289,000 (3.2%) $532,706 (0.9%) 1.00 3,715
2019-01-01 $287,750 (1.0%) $524,977 (0.4%) 0.99 3,941
2019-02-01 $289,444 (1.6%) $518,056 (0.2%) 0.98 4,127
2019-03-01 $289,514 (1.6%) $518,853 (-1.5%) 0.95 4,089
2019-04-01 $289,514 (2.0%) $521,926 (1.8%) 0.92 3,958
2019-05-01 $289,900 (2.1%) $507,876 (0.3%) 0.91 3,835
2019-06-01 $294,900 (3.5%) $492,037 (-2.0%) 0.92 3,714
2019-07-01 $294,175 (1.5%) $497,097 (-2.4%) 0.92 3,554
2019-08-01 $289,768 (-0.1%) $507,626 (-1.5%) 0.92 3,467
2019-09-01 $289,420 (0.2%) $510,805 (0.0%) 0.93 3,374
2019-10-01 $289,189 (-0.1%) $514,195 (0.4%) 0.93 3,338
2019-11-01 $289,900 (0.1%) $532,699 (2.2%) 0.95 3,398
2019-12-01 $289,450 (0.2%) $537,206 (0.8%) 0.97 3,470
2020-01-01 $289,000 (0.4%) $535,141 (1.9%) 0.97 3,570
2020-02-01 $289,000 (-0.2%) $522,231 (0.8%) 0.95 3,660
2020-03-01 $290,579 (0.4%) $513,251 (-1.1%) 0.91 3,649
2020-04-01 $289,900 (0.1%) $504,197 (-3.4%) 0.91 3,596
2020-05-01 $289,900 (0.0%) $515,820 (1.6%) 0.88 3,366
2020-06-01 $299,000 (1.4%) $518,099 (5.3%) 0.88 2,936
2020-07-01 $303,400 (3.1%) $525,639 (5.7%) 0.88 2,561
2020-08-01 $309,000 (6.6%) $538,084 (6.0%) 0.89 2,348
2020-09-01 $307,498 (6.3%) $551,458 (8.0%) 0.88 2,099
2020-10-01 $315,000 (8.9%) $557,823 (8.5%) 0.90 2,017
2020-11-01 $319,225 (10.1%) $575,901 (8.1%) 0.93 2,003
2020-12-01 $322,450 (11.4%) $584,482 (8.8%) 0.96 1,969
2021-01-01 $325,000 (12.5%) $628,673 (17.5%) 0.97 1,769
2021-02-01 $325,000 (12.5%) $646,918 (23.9%) 0.95 1,438
2021-03-01 $323,010 (11.2%) $682,221 (32.9%) 0.92 1,248
2021-04-01 $342,425 (18.1%) $693,066 (37.5%) 0.93 1,122
2021-05-01 $350,000 (20.7%) $716,991 (39.0%) 0.93 1,050
2021-06-01 $382,000 (27.8%) $742,234 (43.3%) 1.01 1,038
2021-07-01 $397,000 (30.9%) $727,101 (38.3%) 1.05 1,077
2021-08-01 $398,913 (29.1%) $710,059 (32.0%) 1.06 1,125
2021-09-01 $399,848 (30.0%) $722,208 (31.0%) 1.07 1,138
2021-10-01 $414,900 (31.7%) $718,254 (28.8%) 1.11 1,105
2021-11-01 $422,450 (32.3%) $689,838 (19.8%) 1.13 1,057
2021-12-01 $425,000 (31.8%) $760,405 (30.1%) 1.15 1,003
2022-01-01 $429,450 (32.1%) $805,596 (28.1%) 1.16 853
2022-02-01 $425,000 (30.8%) $814,617 (25.9%) 1.11 853
2022-03-01 $439,450 (36.1%) $840,766 (23.2%) 1.10 873
2022-04-01 $450,000 (31.4%) $873,035 (26.0%) 1.07 958
2022-05-01 $469,025 (34.0%) $895,272 (24.9%) 1.07 1,192
2022-06-01 $482,450 (26.3%) $897,568 (20.9%) 1.07 1,500
2022-07-01 $474,000 (19.4%) $835,851 (15.0%) 1.07 1,888
2022-08-01 $463,075 (16.1%) $807,274 (13.7%) 1.07 2,166
2022-09-01 $452,925 (13.3%) $797,303 (10.4%) 1.06 2,264
2022-10-01 $450,000 (8.5%) $797,107 (11.0%) 1.06 2,342
2022-11-01 $446,950 (5.8%) $753,559 (9.2%) 1.07 2,519
2022-12-01 $445,000 (4.7%) $772,899 (1.6%) 1.10 2,535
2023-01-01 $448,000 (4.3%) $774,449 (-3.9%) 1.11 2,563
2023-02-01 $450,000 (5.9%) $797,340 (-2.1%) 1.09 2,597
2023-03-01 $459,900 (4.7%) $835,832 (-0.6%) 1.08 2,465
2023-04-01 $469,000 (4.2%) $868,730 (-0.5%) 1.09 2,359
2023-05-01 $474,900 (1.3%) $879,880 (-1.7%) 1.08 2,264
2023-06-01 $474,925 (-1.6%) $883,805 (-1.5%) 1.07 2,184
2023-07-01 $475,000 (0.2%) $869,379 (4.0%) 1.08 2,162
2023-08-01 $476,573 (2.9%) $840,201 (4.1%) 1.09 2,160
2023-09-01 $475,000 (4.9%) $821,787 (3.1%) 1.11 2,354
2023-10-01 $472,658 (5.0%) $804,620 (0.9%) 1.11 2,613
2023-11-01 $464,000 (3.8%) $800,661 (6.3%) 1.10 2,937
2023-12-01 $459,945 (3.4%) $795,960 (3.0%) 1.12 3,187
Port St. Lucie's median listing price for 2023-12-01 was $459,945, a difference of $14,945 (3.4%) versus the prior year and $-4,055 versus the prior month.

Port St. Lucie's median listing price comes in at 112% of the national average.

Port St. Lucie's average listing price for 2023-12-01 was $795,960, a difference of $23,061 (3.0%) versus the prior year and $-4,701 versus the prior month.

For the 2023-12-01 period, Port St. Lucie had 3,187 MLS listings, a difference of 250 listings (9%) versus the prior month and 652 listings (26%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Port St. Lucie (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 68 days 1,944 sqft
2018-02-01 65 days 1,935 sqft
2018-03-01 60 days 1,929 sqft
2018-04-01 62 days 1,927 sqft
2018-05-01 64 days 1,919 sqft
2018-06-01 67 days 1,917 sqft
2018-07-01 68 days 1,936 sqft
2018-08-01 66 days 1,945 sqft
2018-09-01 65 days 1,909 sqft
2018-10-01 63 days 1,909 sqft
2018-11-01 62 days 1,922 sqft
2018-12-01 67 days 1,908 sqft
2019-01-01 73 days 1,899 sqft
2019-02-01 69 days 1,904 sqft
2019-03-01 68 days 1,907 sqft
2019-04-01 69 days 1,908 sqft
2019-05-01 71 days 1,905 sqft
2019-06-01 73 days 1,908 sqft
2019-07-01 77 days 1,913 sqft
2019-08-01 77 days 1,904 sqft
2019-09-01 75 days 1,893 sqft
2019-10-01 73 days 1,881 sqft
2019-11-01 64 days 1,874 sqft
2019-12-01 69 days 1,867 sqft
2020-01-01 71 days 1,847 sqft
2020-02-01 66 days 1,832 sqft
2020-03-01 61 days 1,829 sqft
2020-04-01 72 days 1,815 sqft
2020-05-01 82 days 1,800 sqft
2020-06-01 90 days 1,824 sqft
2020-07-01 72 days 1,839 sqft
2020-08-01 65 days 1,833 sqft
2020-09-01 60 days 1,847 sqft
2020-10-01 57 days 1,839 sqft
2020-11-01 55 days 1,844 sqft
2020-12-01 57 days 1,850 sqft
2021-01-01 62 days 1,869 sqft
2021-02-01 53 days 1,886 sqft
2021-03-01 46 days 1,834 sqft
2021-04-01 41 days 1,838 sqft
2021-05-01 39 days 1,873 sqft
2021-06-01 38 days 1,901 sqft
2021-07-01 38 days 1,885 sqft
2021-08-01 41 days 1,883 sqft
2021-09-01 41 days 1,835 sqft
2021-10-01 40 days 1,837 sqft
2021-11-01 42 days 1,867 sqft
2021-12-01 44 days 1,837 sqft
2022-01-01 45 days 1,857 sqft
2022-02-01 29 days 1,767 sqft
2022-03-01 27 days 1,807 sqft
2022-04-01 27 days 1,808 sqft
2022-05-01 27 days 1,819 sqft
2022-06-01 31 days 1,858 sqft
2022-07-01 35 days 1,860 sqft
2022-08-01 42 days 1,839 sqft
2022-09-01 49 days 1,824 sqft
2022-10-01 55 days 1,829 sqft
2022-11-01 59 days 1,829 sqft
2022-12-01 62 days 1,813 sqft
2023-01-01 66 days 1,811 sqft
2023-02-01 57 days 1,798 sqft
2023-03-01 52 days 1,819 sqft
2023-04-01 54 days 1,833 sqft
2023-05-01 57 days 1,846 sqft
2023-06-01 57 days 1,852 sqft
2023-07-01 59 days 1,851 sqft
2023-08-01 59 days 1,864 sqft
2023-09-01 57 days 1,840 sqft
2023-10-01 53 days 1,826 sqft
2023-11-01 53 days 1,813 sqft
2023-12-01 60 days 1,790 sqft
Port St. Lucie's median listing age (time on market) for 2023-12-01 was 60 days. This is -3% shorter than the same period one year ago.

Port St. Lucie's median square footage for active listings during the 2023-12-01 period was 1,790 sqft. One year prior, the average listing was 1,813 sqft.

FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).