34947 — St. Lucie County, Florida Market Snapshot
Housing market data for zip code 34947 in St. Lucie County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$269,999
Days to Sell
63
Homes Sold
18
Inventory
54
Sale-to-List
95.8%
New Listings
39
Price/SqFt
$177
Pending Sales
27
Conforming Loan Available
Most homebuyers in 34947 can comfortably use conventional financing. The median home price of $269,999 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 63 days on average, 34947 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 34947 sells for 4.2% below asking price (95.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34947 can comfortably use conventional financing. The median home price of $269,999 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 34947 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 34947
To purchase the median home at $269,999 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,219.
Monthly Payment
$2,219
Income Required
$95,085
Principal & Interest
$1,664/mo
Down Payment (5%)
$13,500
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 34947.
Estimated Monthly Payment
$1,821
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