St. Lucie County, FL home buyer guide
Today's mortgage rates, FHA loan limits, and first-time buyer programs available in Fort Pierce, Fort Pierce and across St. Lucie County.
St. Lucie County snapshot
St. Lucie County sits in Treasure Coast Florida, anchored by Fort Pierce and including Fort Pierce. The median home price here runs around $365,000, and most buyers qualify for FHA, Conventional 97%, or Florida's Hometown Heroes assistance program.
Today's example payments
Monthly payment on a $365,000 St. Lucie County home
Estimates include principal, interest, Florida property tax (~0.98%), and homeowners insurance (~1.25%). PMI/MIP varies. Updated June 14, 2026.
Conventional
Monthly payment
$2,875
- Rate (mid)
- 6.520%
- Down payment
- $18,250 (5.0%)
- Loan amount
- $346,750
5% down · PMI applies
FHA
Monthly payment
$2,823
- Rate (mid)
- 6.145%
- Down payment
- $12,775 (3.5%)
- Loan amount
- $352,225
3.5% down · MIP included
VA
Monthly payment
$2,871
- Rate (mid)
- 6.020%
- Down payment
- $0 (0.0%)
- Loan amount
- $365,000
0% down · no PMI
Hometown Heroes
Monthly payment
$2,930
- Rate (mid)
- 6.270%
- Down payment
- $0 (0.0%)
- Loan amount
- $365,000
Up to $35K assistance
Educational estimates only. Your actual rate and payment depend on credit, debt-to-income, property type, lender pricing, and the exact insurance quote for your home.
Programs available in St. Lucie County
Every major Florida loan and down payment assistance program is available countywide. These are the ones St. Lucie buyers use most.
Florida Hometown Heroes
Up to $35,000 in down payment + closing cost assistance for St. Lucie County teachers, nurses, first responders, and 100+ other essential professions.
Learn moreFHA Loan
3.5% down, flexible credit. St. Lucie County FHA loan limit is $524,225 for a single-family home.
Learn moreConventional 97%
Just 3% down for qualified first-time buyers in St. Lucie County. PMI drops off automatically at 20% equity.
Learn moreVA Loan
Zero down and no PMI for eligible veterans, active-duty service members, and surviving spouses buying in St. Lucie County.
Learn moreFirst-time home buyer guides for St. Lucie County cities
Tap a city for local rates, payment estimates, and program eligibility.
Nearby Treasure Coast Florida counties
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