34949 — St. Lucie County, Florida Market Snapshot
Housing market data for zip code 34949 in St. Lucie County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$672,500
Days to Sell
116
Homes Sold
22
Inventory
47
Sale-to-List
97.2%
New Listings
23
Price/SqFt
$357
Pending Sales
18
Conforming Loan Available
The median home in 34949 at $672,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 116 days on average, 34949 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 34949 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 34949 at $672,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 34949 are set at the county level.
2026 Loan Limits — St. Lucie County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $603,750 |
| 2 Units | $1,066,250 | $772,900 |
| 3 Units | $1,288,800 | $934,250 |
| 4 Units | $1,601,750 | $1,161,050 |
Affordability Snapshot — Zip 34949
To purchase the median home at $672,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,302.
Monthly Payment
$5,302
Income Required
$227,249
Principal & Interest
$4,144/mo
Down Payment (5%)
$33,625
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 34949.
Estimated Monthly Payment
$4,312
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