Mortgage Affordability Calculator Port St. Lucie, FL
How much house can you afford in Port St. Lucie? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
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Treasure Coast Mortgage : Emmett Dempsey
5.0 · 176 reviews · Free pre-approval
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Elio Mortgage
5.0 · 164 reviews · Free pre-approval
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RJ Hanke Innovative Mortgage Services Mortgage Broker for Home Loans FHA Mortgage 1st Time Home Buyer
5.0 · 94 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Top-rated mortgage brokers in Port St. Lucie
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Treasure Coast Mortgage : Emmett Dempsey
Veteran-owned since 2007, Treasure Coast Mortgage offers personalized mortgage services with a family-run approach that emphasizes clear communication and transparency. Their team handles a wide range of loans, including VA, FHA, jumbo, and refinancing options across Florida, Georgia, and Texas. Clients appreciate their responsiveness and straightforward guidance throughout the process.
Elio Mortgage
Elio Mortgage stands out for its experienced team that guides clients through a clear, step-by-step mortgage process. They offer a variety of loan programs, including Conventional, FHA, VA, USDA, and Jumbo mortgages, supporting both purchases and refinancing. Customers appreciate the team’s communication and responsiveness, though the process can involve several changes along the way.
RJ Hanke Innovative Mortgage Services Mortgage Broker for Home Loans FHA Mortgage 1st Time Home Buyer
RJ Hanke Innovative Mortgage Services specializes in helping first-time homebuyers navigate FHA and conventional home loans with clear communication and fast turnaround. The team is known for being responsive, patient, and straightforward throughout the mortgage process, though some clients note the high demand can make scheduling a bit challenging.
Port St. Lucie Mortgage Statistics
Home-purchase lending in St Lucie County and home costs in Port St. Lucie, FL (latest HMDA and Census data)Lenders made 6,348 home-purchase loans in St Lucie County in 2025 (average about $345,000) and denied 1,363 — 18% of decided applications, compared with 17% across Florida, according to federal mortgage data (HMDA, CFPB). In Port St. Lucie, the median home is worth $369,200 and 65% of owners have a mortgage, paying a median $1,954 a month (Census ACS 2020–2024).
- Home-purchase loans, 2025
- 6,348▼ 11%7,128 in 2024
- Denial rate
- 18%FL 17%
- Median home value
- $369,200FL $359,000
- Monthly cost with a mortgage
- $1,954median · FL $1,959
- Refinance loans made (St Lucie County, 2025)
- 2,450 · 2,030 in 2024
- Home-improvement loans made (2025)
- 711
- Average home-purchase loan
- $345,000 (FL $416,000)
- Owners with a mortgage
- 65% · 39% of them spend 30%+ of income on housing
- Median household income
- $80,648 (FL $74,568)
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in St Lucie County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
How this Port St. Lucie mortgage affordability calculator works
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
Florida rules and numbers this calculator uses
- Debt-to-income
- 31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
- Down payment
- At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
- Property tax
- About 0.76% of the home's value a year, the Florida average for owner-occupied homes (2024 Census ACS).
- Insurance
- Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
- Rate
- Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
Frequently asked questions
9 questionsHow does the mortgage affordability calculator work?
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General information, not financial advice — consult a qualified professional.