34946 — St. Lucie County, Florida Market Snapshot
Housing market data for zip code 34946 in St. Lucie County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$360,310
Days to Sell
111
Homes Sold
17
Inventory
34
Sale-to-List
95.3%
New Listings
29
Price/SqFt
$194
Pending Sales
31
Conforming Loan Available
Most homebuyers in 34946 can comfortably use conventional financing. The median home price of $360,310 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 111 days on average, 34946 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 34946 sells for 4.7% below asking price (95.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34946 can comfortably use conventional financing. The median home price of $360,310 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 34946 are set at the county level.
2026 Loan Limits — St. Lucie County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $603,750 |
| 2 Units | $1,066,250 | $772,900 |
| 3 Units | $1,288,800 | $934,250 |
| 4 Units | $1,601,750 | $1,161,050 |
Affordability Snapshot — Zip 34946
To purchase the median home at $360,310 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,911.
Monthly Payment
$2,911
Income Required
$124,739
Principal & Interest
$2,220/mo
Down Payment (5%)
$18,016
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 34946.
Estimated Monthly Payment
$2,380
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