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St. Lucie County/Port Saint Lucie/34984

34984

ZIPSAFMR
St. Lucie County, FL
Zillow

ZIP Investment Score

80Below average

095130300
BRFMR
Eff. Rent
0 BR$2,190$1,970
1 BR$2,200$2,020
2 BR$2,650$2,190
3 BR$3,590$2,380
4 BR$3,750$3,070
5 BR$4,313Not available
6 BR$4,959Not available
7 BR$5,703Not available
8 BR$6,559Not available

Purchase Price Calculator

Maximum purchase price
$263,517

Cost breakdown

+Likely effective rent$2,190
HUD FMR$2,650
Market rentUsed$2,190
Est. payment standard (90%)$2,390
-Principal and interest-$1,332
Loan amount$210,813
Down payment$52,703
Rate6.50%
Term30 years
-Operating costs-$658
Property taxes-$264
Insurance-$175
Utilities$0
HOA$0
Management-$219
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$35,015(66.4% ROI)
Projected value
$283,779
Return breakdown
Property appreciation+$20,262
Loan principal paid down+$7,553
Rental cash flow+$7,200
5-year hold
+$60,097(114.0% ROI)
Projected value
$298,145
Return breakdown
Property appreciation+$34,628
Loan principal paid down+$13,469
Rental cash flow+$12,000
10-year hold
+$129,901(246.5% ROI)
Projected value
$337,324
Return breakdown
Property appreciation+$73,807
Loan principal paid down+$32,094
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.11
1 BR
1.09
2 BR
1.21
3 BR
1.51
4 BR
1.22
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 34984 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 34984 (Port Saint Lucie, FL) is $2,650 a month. That is up 16.2% from $2,280 in FY 2026. Port Saint Lucie 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, 34984 has the 3rd-highest two-bedroom rent (county range $1,370–$2,890). The median county two-bedroom FMR in Florida is $1,474, so ZIP 34984 is 80% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 34984
BedroomsFY 2027Change90–110% range
Studio$2,190+15.9%$1,971–$2,409
1BR$2,200+15.8%$1,980–$2,420
2BR$2,650+16.2%$2,385–$2,915
3BR$3,590+14.3%$3,231–$3,949
4BR$3,750+11.9%$3,375–$4,125

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 34984
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,190$2,200$2,650$3,590$3,750
FY 2026$1,890$1,900$2,280$3,140$3,350
FY 2025$1,720$1,790$2,130$2,960$3,220
FY 2024$1,640$1,650$2,020$2,790$3,120
FY 2023$1,420$1,430$1,800$2,430$2,800

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

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 34984
34972$1,370−48.3%
34974$1,590−40.0%
34979$2,070−21.9%
34981$1,830−30.9%
34982$1,710−35.5%
34983$2,400−9.4%
34984Current$2,650—
34985$2,070−21.9%
34986$2,210−16.6%
34987$2,890+9.1%
34988$2,070−21.9%
34990$2,530−4.5%

Questions about ZIP 34984 rents

How much will Section 8 pay for a two-bedroom in ZIP 34984?

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 $2,650 it would be $2,385 to $2,915. 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 34984 in?

ZIP 34984 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 34984 for FY 2027?

The two-bedroom FMR rose 16.2%, from $2,280 in FY 2026 to $2,650 in FY 2027. Since FY 2023 it has risen 47.2%.

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 rentPort Saint Lucie, FL fair market rentFL statewide rentsWhat is SAFMR?Data sources