Mortgage Rates in Port St. Lucie, Florida — March 2026
Updated March 2026 | Based on Port St. Lucie market data and regional lending conditions
Port St. Lucie is a mid-sized city in Florida with a population of 204,851. The current 30-year fixed mortgage rate in Port St. Lucie is 6.67%, which is 0.02% above the national average. With a median home price of $345,000 and a 20% down payment of $69,000, homebuyers can expect a monthly principal and interest payment of approximately $1,775.
Current Mortgage Rates in Port St. Lucie, FL
Below are the current average mortgage rates available in the Port St. Lucie 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 | 5.91% | 5.89% | +0.02% |
| 5/1 ARM | 6.17% | 6.15% | +0.02% |
| FHA | 6.27% | 6.25% | +0.02% |
| VA | 6.07% | 6.05% | +0.02% |
| Jumbo | 6.87% | 6.85% | +0.02% |
Port St. Lucie Housing Market Overview
The Port St. Lucie housing market reflects moderate demand with prices near the national average. The median household income in Port St. Lucie is $58,250, and the cost of living index is 97.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $86,657 to comfortably afford the median-priced home in Port St. Lucie, which exceeds the current median household income.
Monthly Payment Breakdown for Port St. Lucie
Based on the median home price of $345,000 with 20% down ($69,000), here is what you can expect to pay monthly in Port St. Lucie:
15-Year vs. 30-Year Mortgage in Port St. Lucie
Choosing a 15-year mortgage in Port St. Lucie at 5.91% instead of a 30-year at 6.67% would save you $222,120 in total interest over the life of the loan. However, your monthly payment would be $2,316 instead of $1,775 — an increase of $541 per month.
Calculate Your Port St. Lucie 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 Port St. Lucie
What are the current mortgage rates in Port St. Lucie, FL?
As of March 2026, the average 30-year fixed mortgage rate in Port St. Lucie, Florida is 6.67%, while the 15-year fixed rate is 5.91%. FHA loans average 6.27% and VA loans 6.07%. These rates are 0.02% above the national average of 6.65%.
How much is a monthly mortgage payment in Port St. Lucie?
Based on the median home price of $345,000 with 20% down, the estimated monthly mortgage payment in Port St. Lucie is $1,775 for principal and interest. Including property taxes of $247/month, the total monthly housing cost is approximately $2,022.
What income do I need to buy a home in Port St. Lucie?
Using the 28% rule, you would need an annual income of approximately $86,657 to afford the median-priced home in Port St. Lucie at $345,000. The median household income in Port St. Lucie is $58,250. This means most households would need to either earn above the median or consider homes below $345,000.
Is Port St. Lucie a good place to buy a home in 2026?
Port St. Lucie offers a below-average cost of living with a cost of living index of 97.5 (national average = 100). The property tax rate in Florida is 0.86%, which is near the national average. Port St. Lucie has a population of 204,851 and offers a balanced lifestyle.
Mortgage Rates in Other Florida Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Port St. Lucie, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.