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

PORT ST. LUCIE, FL

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's 1 lenders originated 1 USDA loans during 2022. The total origination value was $175,000, with an average USDA loan value of $175,000.

Port St. Lucie USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Port St. Lucie averaged -0.37% for the week of 2024-02-23, compared to the national average (all USDA variants) of 0% for the same period.

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

The average rate for the prior week (2024-02-16) was 6.51% and one month ago for the week of 2024-01-19, the average rate was 5.99%.

The average rate one year ago was 6.09%.

For refis of the same type during the week of 2024-02-23, the average rate was -1.66%.

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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Flagstar Bank, FSB 1 4.05% $4,728

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 (5.3%) $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.