Mortgage Rates in Fort Pierce, Florida — March 2026
Updated March 2026 | Based on Fort Pierce market data and regional lending conditions
Fort Pierce is a growing city in Florida with a population of 46,118. The current 30-year fixed mortgage rate in Fort Pierce is 6.67%, which is 0.02% above the national average. With a median home price of $367,000 and a 20% down payment of $73,400, homebuyers can expect a monthly principal and interest payment of approximately $1,889.
Current Mortgage Rates in Fort Pierce, FL
Below are the current average mortgage rates available in the Fort Pierce area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.67% | 6.65% | +0.02% |
| 15-Year Fixed | 5.93% | 5.89% | +0.04% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.92% | 6.85% | +0.07% |
Fort Pierce Housing Market Overview
The Fort Pierce housing market reflects moderate demand with prices near the national average. The median household income in Fort Pierce is $57,100, and the cost of living index is 101.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $92,614 to comfortably afford the median-priced home in Fort Pierce, which exceeds the current median household income.
Monthly Payment Breakdown for Fort Pierce
Based on the median home price of $367,000 with 20% down ($73,400), here is what you can expect to pay monthly in Fort Pierce:
15-Year vs. 30-Year Mortgage in Fort Pierce
Choosing a 15-year mortgage in Fort Pierce at 5.93% instead of a 30-year at 6.67% would save you $236,160 in total interest over the life of the loan. However, your monthly payment would be $2,466 instead of $1,889 — an increase of $577 per month.
Calculate Your Fort Pierce Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Fort Pierce
What are the current mortgage rates in Fort Pierce, FL?
As of March 2026, the average 30-year fixed mortgage rate in Fort Pierce, Florida is 6.67%, while the 15-year fixed rate is 5.93%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.02% above the national average of 6.65%.
How much is a monthly mortgage payment in Fort Pierce?
Based on the median home price of $367,000 with 20% down, the estimated monthly mortgage payment in Fort Pierce is $1,889 for principal and interest. Including property taxes of $272/month, the total monthly housing cost is approximately $2,161.
What income do I need to buy a home in Fort Pierce?
Using the 28% rule, you would need an annual income of approximately $92,614 to afford the median-priced home in Fort Pierce at $367,000. The median household income in Fort Pierce is $57,100. This means most households would need to either earn above the median or consider homes below $367,000.
Is Fort Pierce a good place to buy a home in 2026?
Fort Pierce has a moderate cost of living with a cost of living index of 101.9 (national average = 100). The property tax rate in Florida is 0.89%, which is near the national average. Fort Pierce has a population of 46,118 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Fort Pierce, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.