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St. Lucie County/Fort Pierce/34981

34981

ZIPSAFMR
St. Lucie County, FL
Zillow

ZIP Investment Score

96Above average

095130300
BRFMR
Eff. Rent
0 BR$1,510$1,460
1 BR$1,520$1,460
2 BR$1,830$1,980
3 BR$2,480$2,470
4 BR$2,590$2,810
5 BR$2,978Not available
6 BR$3,425Not available
7 BR$3,939Not available
8 BR$4,530Not available

Purchase Price Calculator

Maximum purchase price
$232,311

Cost breakdown

+Likely effective rent$1,980
HUD FMR$1,830
Market rent$2,060
Est. payment standard (108%)Used$1,980
-Principal and interest-$1,175
Loan amount$185,849
Down payment$46,462
Rate6.50%
Term30 years
-Operating costs-$605
Property taxes-$232
Insurance-$175
Utilities$0
HOA$0
Management-$198
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$31,721(68.3% ROI)
Projected value
$250,173
Return breakdown
Property appreciation+$17,863
Loan principal paid down+$6,659
Rental cash flow+$7,200
5-year hold
+$54,401(117.1% ROI)
Projected value
$262,838
Return breakdown
Property appreciation+$30,528
Loan principal paid down+$11,874
Rental cash flow+$12,000
10-year hold
+$117,360(252.6% ROI)
Projected value
$297,377
Return breakdown
Property appreciation+$65,067
Loan principal paid down+$28,293
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.03
1 BR
1.04
2 BR
0.89
3 BR
1.00
4 BR
0.88
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 34981 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 34981 (Fort Pierce, FL) is $1,830 a month. That is up 10.2% from $1,660 in FY 2026. Fort Pierce is in the Port St. Lucie, FL MSA. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $2,069. Among 23 ZIP codes in St. Lucie County, 34981 has the 15th-highest two-bedroom rent (county range $1,370–$2,890). The median county two-bedroom FMR in Florida is $1,474, so ZIP 34981 is 24% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 34981
BedroomsFY 2027Change90–110% range
Studio$1,510+10.2%$1,359–$1,661
1BR$1,520+9.4%$1,368–$1,672
2BR$1,830+10.2%$1,647–$2,013
3BR$2,480+8.3%$2,232–$2,728
4BR$2,590+6.1%$2,331–$2,849

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 34981
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,510$1,520$1,830$2,480$2,590
FY 2026$1,370$1,390$1,660$2,290$2,440
FY 2025$1,280$1,330$1,580$2,200$2,390
FY 2024$1,210$1,220$1,490$2,060$2,310
FY 2023$1,040$1,040$1,310$1,770$2,040

Two-bedroom rent in nearby St. Lucie County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 34981
34972$1,370−25.1%
34974$1,590−13.1%
34979$2,070+13.1%
34981Current$1,830—
34982$1,710−6.6%
34983$2,400+31.1%
34984$2,650+44.8%
34985$2,070+13.1%
34986$2,210+20.8%
34987$2,890+57.9%
34988$2,070+13.1%
34990$2,530+38.3%

Questions about ZIP 34981 rents

How much will Section 8 pay for a two-bedroom in ZIP 34981?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,069, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,862 to $2,276 a month; under the ZIP-level Small Area FMR of $1,830 it would be $1,647 to $2,013. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 34981 in?

ZIP 34981 is in the Port St. Lucie, FL MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,069.

How much did fair market rent change in ZIP 34981 for FY 2027?

The two-bedroom FMR rose 10.2%, from $1,660 in FY 2026 to $1,830 in FY 2027. Since FY 2023 it has risen 39.7%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentFort Pierce, FL fair market rentFL statewide rentsWhat is SAFMR?Data sources