34987 — St. Lucie County, Florida Market Snapshot
Housing market data for zip code 34987 in St. Lucie County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
290 sales in 2026 (year to date)
Median Sale Price
$449,495
Days to Sell
105
Homes Sold
290
Inventory
592
Sale-to-List
97.5%
New Listings
462
Price/SqFt
$227
Pending Sales
433
Conforming Loan Available
Most homebuyers in 34987 can comfortably use conventional financing. The median home price of $449,495 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 105 days on average, 34987 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 34987 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34987 can comfortably use conventional financing. The median home price of $449,495 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 34987 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 34987
To purchase the median home at $449,495 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,594.
Monthly Payment
$3,594
Income Required
$154,024
Principal & Interest
$2,770/mo
Down Payment (5%)
$22,475
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 34987.
Estimated Monthly Payment
$2,932
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