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

PORT ST. LUCIE, FL

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    • USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

    Port St. Lucie USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Port St. Lucie averaged 6.35% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Port St. Lucie's average USDA mortgage closing costs are $6,208.

    The average rate for the prior week (2025-02-07) was 6.21% and one month ago for the week of 2025-01-10, the average rate was 6.26%.

    The average rate one year ago was 6.35%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.53%.

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

    Port St. Lucie USDA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for USDA 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

    The lowest fee Port St. Lucie USDA lenders (with over 10 loans originated) are .

    The lowest rate Port St. Lucie USDA lenders (with over 10 loans originated) are .

    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 (5.2%) $522,723 (9.1%) 1.06 3,473
    2018-02-01 $284,950 (4.3%) $516,841 (2.2%) 1.03 3,587
    2018-03-01 $284,900 (2.1%) $526,415 (1.5%) 1.00 3,564
    2018-04-01 $283,900 (2.1%) $512,437 (1.1%) 0.96 3,512
    2018-05-01 $283,903 (1.4%) $506,381 (-2.9%) 0.95 3,306
    2018-06-01 $284,900 (0.3%) $501,797 (-3.3%) 0.95 3,208
    2018-07-01 $289,897 (1.7%) $509,298 (-3.2%) 0.97 3,147
    2018-08-01 $289,900 (1.7%) $515,201 (-2.2%) 0.97 3,175
    2018-09-01 $289,000 (1.4%) $510,611 (-1.2%) 0.97 3,247
    2018-10-01 $289,444 (1.6%) $512,096 (-0.8%) 0.98 3,376
    2018-11-01 $289,700 (0.4%) $521,296 (-3.0%) 0.98 3,607
    2018-12-01 $289,000 (3.2%) $532,645 (1.0%) 1.00 3,716
    2019-01-01 $287,975 (1.0%) $524,872 (0.4%) 0.99 3,942
    2019-02-01 $289,444 (1.6%) $517,963 (0.2%) 0.98 4,128
    2019-03-01 $289,514 (1.6%) $518,799 (-1.5%) 0.95 4,089
    2019-04-01 $289,514 (2.0%) $521,919 (1.9%) 0.92 3,959
    2019-05-01 $289,900 (2.1%) $507,695 (0.3%) 0.91 3,837
    2019-06-01 $294,900 (3.5%) $491,855 (-2.0%) 0.92 3,716
    2019-07-01 $293,950 (1.4%) $496,887 (-2.4%) 0.92 3,556
    2019-08-01 $289,727 (-0.1%) $507,394 (-1.5%) 0.92 3,470
    2019-09-01 $289,318 (0.1%) $510,585 (0.0%) 0.93 3,376
    2019-10-01 $289,045 (-0.1%) $513,985 (0.4%) 0.93 3,340
    2019-11-01 $289,900 (0.1%) $532,478 (2.2%) 0.95 3,400
    2019-12-01 $289,450 (0.2%) $536,994 (0.8%) 0.97 3,472
    2020-01-01 $289,000 (0.4%) $534,979 (1.9%) 0.97 3,571
    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%) $515,719 (1.6%) 0.88 3,366
    2020-06-01 $299,000 (1.4%) $518,043 (5.3%) 0.88 2,936
    2020-07-01 $303,375 (3.2%) $525,569 (5.8%) 0.88 2,562
    2020-08-01 $308,596 (6.5%) $537,935 (6.0%) 0.89 2,349
    2020-09-01 $307,495 (6.3%) $551,283 (8.0%) 0.88 2,100
    2020-10-01 $315,000 (9.0%) $557,635 (8.5%) 0.90 2,018
    2020-11-01 $319,000 (10.0%) $575,802 (8.1%) 0.93 2,004
    2020-12-01 $322,450 (11.4%) $584,380 (8.8%) 0.96 1,970
    2021-01-01 $325,000 (12.5%) $628,673 (17.5%) 0.97 1,770
    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 (38.4%) 1.05 1,077
    2021-08-01 $398,913 (29.3%) $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 (32.4%) $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%) $804,983 (28.0%) 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%) $873,121 (26.0%) 1.07 957
    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 $452,900 (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%) $774,255 (-3.8%) 1.11 2,564
    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%) $800,969 (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 (-0.7%) 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 $455,450 (-2.9%) $764,464 (-12.0%) 1.06 3,704
    2024-05-01 $450,450 (-5.2%) $734,056 (-16.6%) 1.02 3,789
    2024-06-01 $450,000 (-5.3%) $722,957 (-18.2%) 1.01 3,822
    2024-07-01 $450,000 (-5.3%) $742,502 (-14.6%) 1.03 3,764
    2024-08-01 $449,900 (-5.6%) $736,663 (-12.3%) 1.05 3,744
    2024-09-01 $449,000 (-5.5%) $734,518 (-10.6%) 1.06 3,846
    2024-10-01 $449,000 (-5.0%) $723,922 (-10.0%) 1.06 4,001
    2024-11-01 $449,000 (-3.2%) $767,359 (-4.2%) 1.08 4,188
    2024-12-01 $449,000 (-2.4%) $791,795 (-0.5%) 1.12 4,335
    2025-01-01 $449,000 (-2.3%) $796,470 (3.6%) 0.00 4,553
    Port St. Lucie's median listing price for 2025-01-01 was $449,000, a difference of $-10,750 (-2.3%) versus the prior year and $0 versus the prior month.

    Port St. Lucie's median listing price comes in at 0% of the national average.

    Port St. Lucie's average listing price for 2025-01-01 was $796,470, a difference of $27,867 (3.6%) versus the prior year and $4,675 versus the prior month.

    For the 2025-01-01 period, Port St. Lucie had 4,553 MLS listings, a difference of 218 listings (5%) versus the prior month and 1,157 listings (34%) 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 1,932 sqft
    2018-05-01 64 days 1,922 sqft
    2018-06-01 67 days 1,919 sqft
    2018-07-01 68 days 1,941 sqft
    2018-08-01 66 days 1,946 sqft
    2018-09-01 65 days 1,910 sqft
    2018-10-01 63 days 1,910 sqft
    2018-11-01 62 days 1,924 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 1,907 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 1,903 sqft
    2019-09-01 75 days 1,892 sqft
    2019-10-01 73 days 1,880 sqft
    2019-11-01 64 days 1,874 sqft
    2019-12-01 69 days 1,866 sqft
    2020-01-01 71 days 1,846 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 1,835 sqft
    2021-11-01 42 days 1,866 sqft
    2021-12-01 44 days 1,837 sqft
    2022-01-01 45 days 1,856 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 1,840 sqft
    2022-09-01 49 days 1,824 sqft
    2022-10-01 55 days 1,830 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 1,853 sqft
    2023-07-01 59 days 1,851 sqft
    2023-08-01 59 days 1,864 sqft
    2023-09-01 57 days 1,839 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
    2024-06-01 61 days 1,738 sqft
    2024-07-01 72 days 1,758 sqft
    2024-08-01 74 days 1,756 sqft
    2024-09-01 73 days 1,755 sqft
    2024-10-01 73 days 1,759 sqft
    2024-11-01 75 days 1,750 sqft
    2024-12-01 76 days 1,737 sqft
    2025-01-01 0 days 1,737 sqft
    Port St. Lucie's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Port St. Lucie's median square footage for active listings during the 2025-01-01 period was 1,737 sqft. One year prior, the average listing was 1,780 sqft.