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 192 lenders originated 2,972 FHA loans during 2023. The total origination value was $981,720,000, with an average FHA loan value of $330,323.

Port St. Lucie FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in Port St. Lucie averaged 6.56% for the week of 2024-06-14, compared to the national average (all FHA variants) of 6.712% for the same period.

Port St. Lucie's average FHA mortgage closing costs are $9,984.

The average rate for the prior week (2024-06-07) was 6.84% and one month ago for the week of 2024-05-10, the average rate was 6.63%.

The average rate one year ago was 6.48%.

For refis of the same type during the week of 2024-06-14, the average rate was 6.93%.

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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 487 6.34% $15,701
QUICKEN LOANS, LLC 225 6.18% $14,021
CROSSCOUNTRY MORTGAGE, LLC 136 6.70% $15,192
LOANDEPOT.COM, LLC 132 6.51% $12,228
DHI MORTGAGE COMPANY, LTD. 124 5.12% $10,141
Paramount Residential Mortgage Group, Inc. 65 6.62% $16,595
NVR Mortgage Finance, Inc. 65 6.08% $12,403
CARDINAL FINANCIAL 64 6.29% $15,009
FREEDOM MORTGAGE CORPORATION 64 6.63% $15,912
FBC MORTGAGE, LLC 43 6.37% $12,336
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 40 6.75% $15,782
EAGLE HOME MORTGAGE, LLC 40 5.54% $13,359
Flagstar Bank, FSB 40 6.53% $15,343
PENNYMAC LOAN SERVICES, LLC 35 6.12% $16,809
EVERETT FINANCIAL, INC. 33 6.86% $13,297
ACOPIA, LLC 33 6.94% $15,601
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 31 6.16% $14,925
NEWREZ LLC 30 6.46% $14,760
BAY EQUITY LLC 27 6.79% $17,230
THE MORTGAGE FIRM, INC. 27 6.68% $13,036
AMERICAN FINANCIAL NETWORK, INC. 26 6.72% $14,703
EMM LOANS LLC 25 6.43% $13,119
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 25 6.85% $16,505
ABSOLUTE HOME MORTGAGE CORPORATION 24 6.63% $18,051
BROKER SOLUTIONS, INC. 22 6.65% $15,245
SWBC MORTGAGE CORPORATION 21 6.84% $12,333
PLAZA HOME MORTGAGE, INC. 20 6.19% $16,377
MOVEMENT MORTGAGE, LLC 20 6.24% $15,549
Plains Commerce Bank 19 6.41% $16,816
AMERICAN PACIFIC MORTGAGE CORPORATION 19 6.63% $17,217
MATTAMY HOME FUNDING, LLC 18 6.20% $13,177
Carrington Mortgage Services, LLC 18 6.08% $15,037
HOMESIDE FINANCIAL, LLC 16 6.72% $16,571
NP, Inc. 15 6.67% $17,591
PRIMELENDING, A PLAINSCAPITAL COMPANY 15 6.78% $13,566
PRIMARY RESIDENTIAL MORTGAGE, INC. 15 6.58% $19,193
MUTUAL OF OMAHA MORTGAGE, INC. 14 6.42% $15,995
Hometown Equity Mortgage, LLC 14 6.51% $18,368
South State Bank 13 6.53% $9,922
SUN WEST MORTGAGE COMPANY, INC. 13 6.41% $16,486
Mr. Cooper ( Nationstar Mortgage ) 12 6.10% $14,962
Century Mortgage Company DBA Century Lending Company 12 6.58% $14,122
Equity Prime Mortgage LLC 12 7.00% $17,973
BECKAM FUNDING CORP. 11 6.98% $25,116
Cornerstone First Mortgage, Inc 10 6.90% $16,577
Waterstone Mortgage Corporation 10 6.63% $16,664
GUARANTEED RATE, INC. 10 6.33% $15,654
GUARANTEED RATE AFFINITY, LLC 9 6.65% $13,384
AMERISAVE MORTGAGE CORPORATION 8 6.48% $13,724
GENEVA FINANCIAL, LLC 8 6.86% $18,021
Sierra Pacific Mortgage Company, Inc. 8 6.06% $20,099
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 7 6.80% $15,874
ACADEMY MORTGAGE CORPORATION 7 6.55% $14,378
NFM, INC. 7 6.52% $15,663
LOANPAL, LLC 7 5.68% $11,986
AMCAP MORTGAGE, LTD. 7 6.94% $17,639
PLANET HOME LENDING, LLC 7 6.77% $13,301
NATIONWIDE MORTGAGE BANKERS, INC. 7 6.88% $16,413
East Coast Capital Corp. 6 6.60% $17,919
Regions Bank 6 5.73% $17,189
Northpointe Bank 6 6.52% $13,757
TIDEWATER MORTGAGE SERVICES, INC. 6 6.52% $15,003
LAKEVIEW LOAN SERVICING, LLC 6 6.19% $13,943
NATIONS DIRECT MORTGAGE, LLC 6 6.46% $15,182
OCMBC, INC. 5 6.37% $19,226
The Federal Savings Bank 5 6.05% $21,245
CALIBER HOME LOANS, INC. 5 5.98% $10,666
T2 FINANCIAL LLC 5 6.48% $15,973
US MORTGAGE CORPORATION 5 6.25% $16,334
STOCKTON MORTGAGE CORPORATION 5 5.73% $17,666
GoPrime Mortgage, Inc. 5 6.45% $18,003
Seacoast National Bank 5 6.40% $12,962
JMAC LENDING, INC. 5 6.68% $15,090
Lakeview Community Capital, LLC 5 5.95% $16,114
PULTE MORTGAGE LLC 5 6.53% $11,200
MID AMERICA MORTGAGE, INC. 5 7.03% $11,109
AmeriHome Mortgage Company, LLC 5 5.78% $16,134
Nations Lending Corporation 5 6.60% $15,949
AMERICAN BANCSHARES MORTGAGE 4 6.81% $18,119
VAN DYK MORTGAGE CORPORATION 4 6.66% $9,919
VERITAS FUNDING, LLC 4 6.81% $19,142
ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 6.44% $16,571
RADIUS FINANCIAL GROUP INC. 4 6.71% $10,050
FIRST ALLIANCE HOME MORTGAGE, LLC 4 6.53% $17,745
TOWNE MORTGAGE COMPANY 4 6.19% $20,801
U.S. Bank 4 5.94% $14,165
Loan Simple, Inc. 4 6.94% $18,534
The Loan Store, Inc. 4 6.63% $19,387
BAYSHORE MORTGAGE FUNDING, LLC 4 6.50% $13,888
CMG MORTGAGE, INC. 4 6.91% $13,582
CASTLE & COOKE MORTGAGE, LLC 3 6.66% $19,654
CONTOUR MORTGAGE CORPORATION 3 6.21% $18,337
GSF Mortgage Corporation 3 6.29% $16,843
SUCCESS MORTGAGE PARTNERS, INC. 3 7.08% $15,859
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 6.33% $17,796
ROYAL UNITED MORTGAGE LLC 3 6.96% $10,258
TD Bank 3 6.21% $8,499
CALCON MUTUAL MORTGAGE LLC 3 6.50% $21,790
First Horizon Bank 3 6.33% $10,606
INTELLILOAN, INC. 3 6.16% $11,216
TOTAL MORTGAGE SERVICES, LLC 3 6.29% $14,208
JPMorgan Chase Bank 3 6.66% $9,775
Bank of America 3 6.67% $10,232
Mortgage Research Center, LLC 3 6.38% $8,524
VILLAGE CAPITAL MORTGAGE 3 6.42% $12,014
LEADERONE FINANCIAL CORPORATION 3 6.38% $12,633
NORTHPOINT MORTGAGE, INC. 3 5.92% $11,305
Prosperity Home Mortgage, LLC 3 6.17% $12,716
COMPASS MORTGAGE, INC. 3 6.58% $10,635
ZILLOW HOME LOANS, LLC 2 5.75% $12,201
AHL FUNDING 2 7.06% $20,334
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.75% $18,956
CHURCHILL MORTGAGE CORPORATION 2 6.25% $12,938
EMBRACE HOME LOANS, INC. 2 6.50% $14,410
FIRST COMMUNITY MORTGAGE, INC. 2 6.81% $14,689
FIRST EQUITY MORTGAGE BANKERS, INC. 2 6.81% $13,131
INSPIRE HOME LOANS INC. 2 6.50% $13,059
Ixonia Bank 2 7.94% $15,014
J. VIRGIL, INC. 2 6.31% $16,562
Keystone Funding, Inc. 2 6.56% $13,629
MILEND, INC. 2 6.69% $16,069
MORTGAGE EQUITY PARTNERS LLC 2 6.75% $15,600
MY MORTGAGE, INC. 2 6.88% $16,242
NEW DAY FINANCIAL, LLC 2 7.25% $8,381
NORWICH COMMERCIAL GROUP, INC. 2 6.25% $13,069
PENTAGON FEDERAL CREDIT UNION 2 6.38% $13,477
PHH Mortgage Corporation 2 6.56% $14,835
RESIDENTIAL BANCORP 2 6.19% $15,385
South Pacific Financial Corporation 2 5.44% $12,995
SOUTHPOINT FINANCIAL SERVICES, INC. 2 7.19% $12,814
Synovus Bank 2 6.06% $13,953
TruHome Solutions, LLC 2 6.06% $14,113
United Fidelity Funding Corp. 2 7.25% $15,612
PINNACLE MORTGAGE, INC. 1 7.25% $9,253
M&T Bank 1 6.50% $18,681
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.75% $30,070
Mortgage Lenders Investment Trading Corporation 1 6.25% $15,385
PNC Bank 1 7.88% $9,249
POINT Mortgage 1 7.63% $18,748
PREMIA MORTGAGE, LLC 1 5.75% $8,429
PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.50% $17,325
Premium Mortgage Corporation 1 6.38% $26,121
MORTGAGE INVESTORS GROUP, INC. 1 7.13% $17,880
MLB RESIDENTIAL LENDING, LLC 1 6.88% $18,053
MICHIGAN MUTUAL, INC. 1 6.13% $15,820
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 7.25% $15,456
LIBERTY HOME MORTGAGE CORPORATION 1 6.25% $23,856
LADERA LENDING, INC. 1 7.50% $12,894
READY MORTGAGE LENDERS, LLC 1 6.88% $17,029
HOMESTAR FINANCIAL CORPORATION 1 7.25% $9,487
RELIANCE FIRST CAPITAL, LLC 1 6.50% $13,325
Ameris Bank 1 6.25% $11,209
RESIDENTIAL HOME FUNDING CORP. 1 6.00% $22,270
HOME FINANCING CENTER, INC. 1 7.63% $27,016
RUOFF MORTGAGE COMPANY, INC. 1 5.25% $8,626
Hawthorn Bank 1 6.75% $10,075
SECURITYNATIONAL MORTGAGE COMPANY 1 6.75% $22,725
HARTFORD FUNDING, LTD. 1 7.00% $9,306
ALLIED MORTGAGE GROUP, INC. 1 7.00% $8,336
V.I.P. MORTGAGE, INC. 1 6.25% $14,033
GUILD MORTGAGE COMPANY 1 6.63% $13,633
Goldwater Bank, N.A. 1 7.63% $11,677
George Mason Mortgage, LLC 1 6.75% $11,826
SUMMIT FUNDING, INC. 1 6.75% $20,961
Summit Mortgage Corporation 1 6.13% $12,916
Gateway First Bank 1 6.75% $12,982
Franklin Loan Corporation 1 6.00% $17,643
1ST FINANCIAL, INC. 1 6.75% $20,483
FLAT BRANCH MORTGAGE, INC. 1 7.25% $9,531
First Savings Bank 1 5.75% $22,039
Fifth Third Bank 1 6.00% $8,754
FAIR WAY LENDING LLC 1 5.75% $14,477
ENDEAVOR CAPITAL, LLC. 1 6.99% $9,420
Encompass Lending Group, LP 1 7.63% $12,264
TOP FLITE FINANCIAL, INC. 1 7.25% $30,017
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 5.75% $6,350
City National Bank of Florida 1 6.49% $12,692
Wyndham Capital Mortgage, Inc. 1 5.25% $9,972
Truist 1 6.25% $7,081
UNION CAPITAL MORTGAGE CORPORATION 1 6.88% $19,066
1ST 2ND MORTGAGE COMPANY OF N.J., INC. 1 6.00% $11,537
UNITED SECURITY FINANCIAL CORP 1 7.50% $14,198
Citizens Bank 1 6.00% $9,446
Capital City Home Loans, LLC 1 6.75% $12,010
NETWORK CAPITAL FUNDING CORPORATION 1 6.13% $6,867
NBKC BANK 1 5.99% $8,648
ON Q FINANCIAL, INC. 1 7.25% $15,383
PANORAMA MORTGAGE GROUP, LLC 1 5.63% $22,000
NATION ONE MORTGAGE CORPORATION 1 6.50% $20,132
NASA Federal Credit Union 1 7.25% $9,453
BETTER MORTGAGE CORPORATION 1 6.63% $11,123
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 7.50% $5,292

The top Port St. Lucie FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 487 FHA loans originated. Their average total fees are $15,701, which is $1,679 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Port St. Lucie FHA lenders (with over 10 loans originated) are South State Bank ($9,922), DHI MORTGAGE COMPANY, LTD. ($10,141), LOANDEPOT.COM, LLC ($12,228), SWBC MORTGAGE CORPORATION ($12,333) and FBC MORTGAGE, LLC ($12,336).

The lowest rate Port St. Lucie FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.12%), EAGLE HOME MORTGAGE, LLC (5.54%), Carrington Mortgage Services, LLC (6.08%), NVR Mortgage Finance, Inc. (6.08%) and Mr. Cooper ( Nationstar Mortgage ) (6.10%).

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
2024-01-01 $459,750 (2.6%) $768,603 (-0.8%) 1.12 3,396
2024-02-01 $460,000 (2.2%) $770,241 (-3.4%) 1.11 3,574
2024-03-01 $459,888 (0.0%) $760,543 (-9.0%) 1.08 3,648
2024-04-01 $455,895 (-2.8%) $764,610 (-12.0%) 1.06 3,703
2024-05-01 $452,500 (-4.7%) $735,904 (-16.4%) 1.02 3,785
Port St. Lucie's median listing price for 2024-05-01 was $452,500, a difference of $-22,400 (-4.7%) versus the prior year and $-3,395 versus the prior month.

Port St. Lucie's median listing price comes in at 102% of the national average.

Port St. Lucie's average listing price for 2024-05-01 was $735,904, a difference of $-143,976 (-16.4%) versus the prior year and $-28,706 versus the prior month.

For the 2024-05-01 period, Port St. Lucie had 3,785 MLS listings, a difference of 82 listings (2%) versus the prior month and 1,521 listings (67%) 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
2024-01-01 65 days 1,780 sqft
2024-02-01 61 days 1,769 sqft
2024-03-01 57 days 1,762 sqft
2024-04-01 60 days 1,758 sqft
2024-05-01 58 days 1,738 sqft
Port St. Lucie's median listing age (time on market) for 2024-05-01 was 58 days. This is 3% longer than the same period one year ago.

Port St. Lucie's median square footage for active listings during the 2024-05-01 period was 1,738 sqft. One year prior, the average listing was 1,846 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).