Port St Lucie, Florida Mortgage Rates Today for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Port St Lucie, Florida mortgage rates today start at 5.85% for a 30 year fixed and 5.375% for a 15 year fixed, compared with Florida averages of 7.021% and 6.613%. Port St Lucie, Florida mortgage rates range from 4.54% to 7.88%, verified by MonitorBankRates as of November 12, 2026. Current 30-year fixed mortgage rates in Port St Lucie, Florida include Seacoast National BankSeacoast National Bank1100 Sw Saint Lucie West Blvd, Port St Lucie, FL, 34986A+5.0 ★Texas Ratio: 2.72%Rate verified Nov 11, 2026 at 7.252%, Radiant Credit UnionRadiant Credit UnionA+5.0 ★Texas Ratio: 3.03%Rate verified Nov 9, 2026 at 5.99%, Florida Central Credit UnionFlorida Central Credit UnionA+5.0 ★Texas Ratio: 5.46%Rate verified Nov 9, 2026 at 5.85%, Partners Federal Credit UnionPartners Federal Credit UnionA+5.0 ★Texas Ratio: 4.65%Rate verified Nov 7, 2026 at 6.482%, and Fairwinds Credit UnionFairwinds Credit UnionA+5.0 ★Texas Ratio: 2.64%Rate verified Nov 9, 2026 at 6.375%. Mortgage rates as of November 12, 2026 according to verified data from MonitorBankRates.
Port St Lucie borrowers can compare 186 mortgage rates from 38 lenders serving the Florida area, including 1 local, with rates as low as 6.75% from Seacoast National Bank at 1100 Sw Saint Lucie West Blvd, Port St Lucie, FL, 34986. Use the tabs below to compare all available loan types and terms. Rates are continually updated, so we recommend checking back frequently.
Mortgage Rates reflect actual verified offers from lenders actively lending to Florida borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: November 12, 2026
Compare Mortgage Rates Today in Port St Lucie, Florida & the Surrounding Area
Port St Lucie 30 Year Fixed Mortgage Rates
As Low As; Homepage promo: 30-year fixed rates as low as 7.252% APR
- Nov 11, 20267.25%▲ from 7.13%
- Nov 5, 20267.13%▼ from 7.38%
- Oct 31, 20267.38%▼ from 7.51%
- Oct 20, 20267.51%first recorded
As Low As; 80% loan-to-value; minimum 720 credit score; primary residence; applications received October 1-31, 2026; offer extended October 1 - November 25, 2026; purchase, one-time-close construction-to-permanent, and refinance (1st lien) eligible
As Low As; Second Home Mortgage
As Low As; Rate as low as 6.25%; APR as low as 6.448%
Mortgage; rate comparison card; rates based on Partners' best fixed rates on approved credit
Fixed Rate; based on $250,000 loan, purchase, 780 credit score, 80% LTV, 45-day lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments; Last updated 11/08/2026
As Low As; Annual Percentage Rates as low as; primary residence conventional loan; 20% down payment; minimum credit score 700; special rates for customers with deposit accounts, Online Banking, and recurring automatic deposits; mortgage rates valid as of November 6, 2026
- Nov 11, 20266.52%▼ from 6.80%
- Oct 26, 20266.80%first recorded
Rates lower than most competitors; Loan Amount: $360,000; Down Payment: 20%; Primary and secondary residences only; conventional; minimum credit score 700; special rates for Crews Bank & Trust customers with deposit accounts, Online Banking, and recurring automatic deposits; mortgage rates valid as of November 6, 2026
- Nov 11, 20266.52%▼ from 6.80%
- Oct 20, 20266.80%first recorded
Effective as of Nov 2, 2026; Mortgage rates fluctuate with the market. Rates may differ at the time of application.
- Nov 7, 20266.63%▼ from 6.75%
- Oct 29, 20266.75%first recorded
Purchase; no points required
- Oct 31, 20266.69%▼ from 7.19%
- Oct 14, 20267.19%first recorded
Purchase mortgage; no points required
- Oct 31, 20266.69%▼ from 7.19%
- Oct 1, 20267.19%▲ from 6.94%
- Sep 19, 20266.94%first recorded
No additional details available.
- Nov 7, 20266.72%▼ from 6.97%
- Oct 15, 20266.97%▼ from 7.22%
- Oct 2, 20267.22%▲ from 6.84%
- Sep 14, 20266.84%first recorded
As Low As; Jumbo; Loan amount $1,000,000; estimated property value $1,250,000; purchase; primary residence; escrow required; 60-day rate lock; credit score 740
- Nov 5, 20266.87%▼ from 7.00%
- Oct 26, 20267.00%first recorded
0 points
Rates as low as 6.375%; APR 6.875%; Purchase; loan amount $225,000; estimated property value $375,000; located in NY (Erie county); existing single family home; primary residence; escrow account required; 60-day rate lock; assumed credit score 740
- Nov 5, 20266.88%▼ from 7.00%
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
Port St Lucie 15 Year Fixed Mortgage Rates
Fixed Rate Loans; Rates as of 11/4/2026; APR based on 60-day rate lock with 0.000% discount points
- Nov 11, 20266.95%▲ from 6.82%
- Nov 5, 20266.82%▼ from 7.08%
- Oct 20, 20267.08%first recorded
Fixed Rate; based on $250,000 loan, purchase, 780 credit score, 80% LTV, 45-day lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments; Last updated 11/08/2026
Effective as of Nov 2, 2026; Mortgage rates fluctuate with the market. Rates may differ at the time of application.
- Nov 7, 20265.88%▼ from 6.00%
- Oct 29, 20266.00%first recorded
As Low As; Annual Percentage Rates as low as; primary residence conventional loan; 20% down payment; minimum credit score 700; special rates for customers with deposit accounts, Online Banking, and recurring automatic deposits; mortgage rates valid as of November 6, 2026
- Nov 11, 20265.91%▼ from 6.20%
- Oct 26, 20266.20%first recorded
Rates lower than most competitors; Loan Amount: $360,000; Down Payment: 20%; Primary and secondary residences only; conventional; minimum credit score 700; special rates for Crews Bank & Trust customers with deposit accounts, Online Banking, and recurring automatic deposits; mortgage rates valid as of November 6, 2026
- Nov 11, 20265.91%▼ from 6.20%
- Oct 20, 20266.20%first recorded
As Low As; Second Home Mortgage
As Low As; Rate as low as 6.000%; APR as low as 6.010%
Based on $175,000 loan amount, purchase transaction; Loan to Value: 80%; Origination: .50%
- Nov 8, 20266.06%▲ from 5.81%
- Sep 21, 20265.81%first recorded
As Low As; Get peace of mind with predictable monthly payments. Both traditional and short-term options available.
- Nov 9, 20266.13%▼ from 6.25%
- Nov 5, 20266.25%▼ from 6.38%
- Oct 19, 20266.38%▼ from 6.50%
- Sep 27, 20266.50%▲ from 6.25%
As Low As; Mortgage
- Nov 12, 20266.18%▲ from 6.16%
- Nov 7, 20266.16%▼ from 6.51%
- Oct 12, 20266.51%▼ from 6.64%
- Oct 8, 20266.64%▲ from 6.43%
No additional details available.
- Nov 7, 20266.39%▼ from 6.52%
- Oct 15, 20266.52%▼ from 6.90%
- Oct 13, 20266.90%▲ from 6.77%
- Oct 2, 20266.77%▲ from 6.52%
Max Loan: $832,750; Advertised rates assume 760 credit score, minimum $150,000 loan amount
As Low As; Rates effective as of 11/3/2026
- Nov 5, 20266.53%▼ from 6.66%
- Oct 30, 20266.66%▲ from 6.53%
- Sep 18, 20266.53%▲ from 6.28%
- Sep 14, 20266.28%first recorded
0 points
Refinance Loan Options; Effective Date: 10/21/2026; This is A Limited Time Offer
- Oct 26, 20266.63%▲ from 6.50%
- Oct 6, 20266.50%▲ from 6.38%
- Sep 18, 20266.38%▲ from 6.00%
- Sep 14, 20266.00%first recorded
Port St Lucie 5/1 ARM Mortgage Rates
Variable rate
Based on $175,000 loan amount, purchase transaction; Loan to Value: 80%; Origination: 0%
- Nov 8, 20265.81%▲ from 5.56%
- Sep 21, 20265.56%first recorded
As Low As; Enjoy a low initial rate that adjusts with the market. Various terms and options available.
- Oct 26, 20265.88%▼ from 6.00%
- Oct 14, 20266.00%▼ from 6.13%
- Oct 1, 20266.13%▲ from 5.63%
- Sep 18, 20265.63%▲ from 5.50%
Variable rate
- Oct 30, 20265.88%▼ from 6.00%
- Oct 19, 20266.00%first recorded
Based on $175,000 loan amount, purchase transaction; Loan to Value: 80%; Origination: 0%
- Nov 8, 20266.19%▲ from 5.94%
- Sep 21, 20265.94%first recorded
Stated APR includes a .50% Full Direct Deposit discount
- Oct 19, 20266.65%▼ from 7.24%
- Oct 13, 20267.24%▲ from 6.75%
- Oct 1, 20266.75%▲ from 6.50%
- Sep 18, 20266.50%first recorded
As Low As; Featured rate; fixed for first 5 years then adjusts (SOFR); special rate for in-house portfolio loan only; 5/1 ARM with no points; rate quoted as of 10/14/2026
- Oct 19, 20266.66%▲ from 6.40%
- Sep 18, 20266.40%▲ from 6.15%
- Sep 14, 20266.15%first recorded
Mortgage refinance; 0 points; rates shown for loan amounts below $832,750
- Nov 5, 20266.67%▼ from 6.72%
- Oct 26, 20266.72%▼ from 6.84%
- Oct 20, 20266.84%first recorded
ARM Rate; 60 payments at 6.500% (6.681% APR) then variable rate; based on $500,000 loan, purchase, 780 credit score, 80% LTV, 45-day lock; Last updated 11/08/2026
Max Loan: $832,750; Adjustable rate: 60 months fixed, then adjusts every six months; Advertised rates assume 760 credit score, minimum $150,000 loan amount
- Nov 5, 20266.74%▲ from 6.64%
- Oct 14, 20266.64%first recorded
Stated APR includes a .50% Full Direct Deposit discount
- Oct 19, 20266.75%▼ from 7.24%
- Oct 13, 20267.24%▲ from 6.75%
- Oct 1, 20266.75%▲ from 6.50%
- Sep 18, 20266.50%first recorded
Rate code: T3R
Jumbo mortgage; New York only; 65% LTV; credit score 740; 15 days prepaid interest; 60-day lock period
- Nov 11, 20266.76%▲ from 6.71%
- Nov 5, 20266.71%▲ from 6.69%
- Oct 31, 20266.69%▼ from 6.79%
- Oct 20, 20266.79%▼ from 6.83%
Rate code: STR
No additional details available.
- Nov 7, 20266.81%▼ from 6.91%
- Oct 15, 20266.91%▼ from 6.96%
- Oct 13, 20266.96%▲ from 6.88%
- Oct 2, 20266.88%▲ from 6.76%
Port St Lucie 30-Year Jumbo Mortgage Rates
$832,750; Fixed Rate Loans; Jumbo loans greater than $832,750; Rates as of 11/4/2026
Jumbo Rate; based on $832,750 loan, purchase, 780 credit score, 80% LTV, 45-day lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments; Last updated 11/08/2026
As Low As; Jumbo loans available on loans greater than $832,750; Example loan amount $850,000; Example
- Nov 9, 20266.11%▼ from 6.23%
- Oct 30, 20266.23%▼ from 6.36%
- Oct 19, 20266.36%first recorded
Jumbo Rate; based on $832,750 loan, purchase, 780 credit score, 80% LTV, 45-day lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments; Last updated 11/08/2026
As Low As
- Nov 11, 20266.50%▼ from 6.59%
- Nov 5, 20266.59%▼ from 6.71%
- Oct 31, 20266.71%▼ from 6.83%
- Oct 20, 20266.83%▼ from 6.87%
No additional details available.
- Nov 5, 20266.61%▼ from 6.86%
- Oct 26, 20266.86%first recorded
No additional details available.
- Nov 5, 20266.61%▼ from 6.86%
- Oct 26, 20266.86%first recorded
No additional details available.
- Nov 9, 20266.71%▼ from 6.84%
- Oct 26, 20266.84%▼ from 6.96%
- Oct 22, 20266.96%first recorded
No additional details available.
- Nov 9, 20266.82%▼ from 6.94%
- Oct 26, 20266.94%▼ from 7.07%
- Oct 22, 20267.07%first recorded
Jumbo ARM; initial fixed period 5 yr., adjusts every 5 yr.
- Nov 9, 20266.82%▼ from 6.94%
- Oct 26, 20266.94%▼ from 7.07%
- Oct 22, 20267.07%first recorded
No Closing Costs Up to 2% of Amount Financed
- Nov 9, 20266.88%▲ from 6.84%
- Nov 5, 20266.84%▼ from 7.00%
- Oct 26, 20267.00%▲ from 6.96%
- Oct 22, 20266.96%first recorded
As Low As; Min. Down Payment: 10%; Terms Available: Fixed: 15, 20, 30; ARMS: 5, 7, 10 Year Initial Fixed Rate Periods
- Nov 9, 20266.90%▼ from 7.04%
- Nov 3, 20267.04%▼ from 7.13%
- Oct 19, 20267.13%first recorded
As Low As; Jumbo Fixed Rate
- Nov 9, 20266.90%▼ from 7.03%
- Oct 9, 20267.03%first recorded
As Low As; Jumbo Adjustable Rate (ARM)
- Oct 19, 20266.90%▼ from 7.02%
- Oct 9, 20267.02%▲ from 7.00%
- Oct 1, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; Jumbo Adjustable Rate (ARM) (As low as Rates)
Port St Lucie 15-Year Jumbo Mortgage Rates
Jumbo Rate; based on $832,750 loan, purchase, 780 credit score, 80% LTV, 45-day lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments; Last updated 11/08/2026
As Low As; Jumbo loans available on loans greater than $832,750; Example loan amount $850,000; Example
- Nov 9, 20266.20%▼ from 6.33%
- Oct 30, 20266.33%▼ from 6.45%
- Oct 19, 20266.45%first recorded
No additional details available.
- Nov 5, 20266.48%▼ from 6.61%
- Oct 26, 20266.61%▼ from 6.73%
- Oct 22, 20266.73%first recorded
As Low As; Min. Down Payment: 10%; Terms Available: Fixed: 15, 20, 30; ARMS: 5, 7, 10 Year Initial Fixed Rate Periods
- Nov 9, 20266.53%▼ from 6.63%
- Nov 3, 20266.63%▼ from 6.76%
- Oct 19, 20266.76%first recorded
APR printed as "6375%" on the source page; the matching refi row prints 6.375%
No additional details available.
Rate "As Low As"; APR "As Low As"; Example Loan Amount: $850,000; Example; Effective Date: November 04, 2026
- Nov 9, 20266.58%▼ from 6.70%
- Oct 30, 20266.70%▼ from 6.83%
- Oct 13, 20266.83%first recorded
No Closing Costs Up to 2% of Amount Financed
- Nov 9, 20266.63%▲ from 6.48%
- Nov 5, 20266.48%▼ from 6.75%
- Oct 26, 20266.75%▲ from 6.73%
- Oct 22, 20266.73%first recorded
As Low As; Jumbo Fixed Rate
- Nov 9, 20266.65%▼ from 6.78%
- Oct 9, 20266.78%first recorded
As Low As; Jumbo Fixed Rate
- Nov 9, 20266.75%▼ from 6.78%
- Oct 9, 20266.78%first recorded
Conventional fixed mortgage; minimum 5% down payment; Rates as of Nov 10, 2026 ET
As Low As; Rate as low as 6.375%; APR as low as 6.88%
Jumbo loan; based on $806,500.00 loan amount
- Oct 29, 20266.94%▼ from 7.23%
- Oct 26, 20267.23%▲ from 7.20%
- Oct 19, 20267.20%▼ from 7.23%
- Oct 13, 20267.23%first recorded
based on $940,000 loan, 25% down, 45-day lock; rates as of 11/10/2026
Refinance rate; based on $940,000 loan amount and at least 25% equity
Port St Lucie 5/1 Jumbo ARM Mortgage Rates
Variable rate
- Nov 5, 20265.88%▼ from 6.00%
- Oct 14, 20266.00%first recorded
Variable rate
- Nov 5, 20265.88%▲ from 5.80%
- Sep 14, 20265.80%first recorded
As Low As; Min. Down Payment: 10%; Terms Available: Fixed: 15, 20, 30; ARMS: 5, 7, 10 Year Initial Fixed Rate Periods
As Low As
- Nov 11, 20266.45%▼ from 6.53%
- Nov 5, 20266.53%▼ from 6.65%
- Oct 31, 20266.65%▼ from 6.78%
- Oct 20, 20266.78%▼ from 6.83%
As Low As; Jumbo Adjustable Rate (ARM)
- Oct 19, 20266.65%▼ from 7.21%
- Oct 9, 20267.21%▲ from 6.75%
- Oct 1, 20266.75%▲ from 6.50%
- Sep 14, 20266.50%first recorded
As Low As; Jumbo Adjustable Rate (ARM) (As low as Rates)
As Low As; Jumbo Adjustable Rate (ARM)
- Oct 19, 20266.75%▼ from 7.21%
- Oct 9, 20267.21%▲ from 6.75%
- Oct 1, 20266.75%▲ from 6.50%
- Sep 14, 20266.50%first recorded
As Low As; Jumbo Adjustable Rate (ARM) (As low as Rates)
based on $940,000 loan, 25% down, 45-day lock; rates as of 11/10/2026
Refinance rate; 5-year fixed period, adjusts yearly; based on $940,000 loan amount and at least 25% equity
Port St Lucie FHA Loan Rates
Effective Date: November 04, 2026; Rate "As Low As" 6.250%; APR "As Low As" 6.395%; Example Loan Amount: $300,000; Example; Example payments exclude taxes and insurance
- Nov 9, 20266.40%▼ from 6.52%
- Oct 30, 20266.52%▼ from 6.65%
- Oct 13, 20266.65%first recorded
Rates as low as 6.375%; APR 6.875%; Purchase; loan amount $225,000; estimated property value $375,000; located in NY (Erie county); existing single family home; primary residence; escrow account required; 60-day rate lock; assumed credit score 740
- Nov 5, 20266.88%▼ from 7.00%
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
Rates as low as 6.250%; APR 6.993%; Purchase; loan amount $225,000; estimated property value $375,000; located in NY (Erie county); existing single family home; primary residence; escrow account required; 60-day rate lock; assumed credit score 740
- Nov 5, 20266.99%▼ from 7.10%
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
Effective Date: November 04, 2026; Rate "As Low As" 7.000%; APR "As Low As" 7.091%; Example Loan Amount: $300,000; Example; Example payments exclude taxes and insurance
- Nov 9, 20267.09%▼ from 7.22%
- Oct 30, 20267.22%▼ from 7.34%
- Oct 13, 20267.34%first recorded
FHA mortgage; Rates Effective: 11.10.26
- Nov 11, 20267.68%▲ from 7.42%
- Oct 31, 20267.42%▼ from 7.68%
- Oct 26, 20267.68%▼ from 7.79%
- Oct 2, 20267.79%first recorded
based on $270,019 loan, 3.5% down, 45-day lock; rates as of 11/10/2026
Refinance rate; based on $270,019 loan amount and at least 3.5% equity
Port St Lucie VA Loan Rates
Special Rate; Variable; TD Mortgage Prime Rate 4.85% -0.31%
As Low As; Rates as of Nov 10, 2026 ET; VA loan, no down payment required; Rate already reflects 0.25% discount for eligible Servicemembers and Veterans
- Nov 11, 20266.37%▲ from 6.24%
- Nov 5, 20266.24%first recorded
As Low As; Effective Date: November 04, 2026; Example Loan Amount: $300,000; Example; Rates based on creditworthiness
- Nov 9, 20266.40%▼ from 6.52%
- Oct 30, 20266.52%▼ from 6.65%
- Oct 19, 20266.65%first recorded
As Low As; Rates as of Nov 10, 2026 ET; VA loan, no down payment required; Rate already reflects 0.25% discount for eligible Servicemembers and Veterans
- Nov 11, 20266.58%▼ from 7.10%
- Oct 14, 20267.10%first recorded
Rates as low as 6.375%; Purchase; loan amount $225,000; estimated property value $375,000; NY, Erie county; primary residence; escrow required; 60-day rate lock; assumed credit score 740
- Nov 5, 20266.88%▼ from 7.00%
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
Rates as low as 6.250%; Purchase; loan amount $225,000; estimated property value $375,000; NY, Erie county; primary residence; escrow required; 60-day rate lock; assumed credit score 740
- Nov 5, 20266.99%▼ from 7.10%
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
As Low As; Effective Date: November 04, 2026; Example Loan Amount: $300,000; Example; Rates based on creditworthiness
- Nov 9, 20267.09%▼ from 7.22%
- Oct 30, 20267.22%▼ from 7.34%
- Oct 19, 20267.34%first recorded
VA mortgage; Rates Effective: 11.10.26
- Nov 11, 20267.22%▲ from 6.96%
- Nov 5, 20266.96%▼ from 7.22%
- Oct 31, 20267.22%▼ from 7.34%
- Oct 26, 20267.34%▼ from 7.47%
As Low As; Government Fixed Rate (As low as Rates)
- Oct 19, 20267.28%▼ from 8.03%
- Oct 9, 20268.03%▲ from 7.25%
- Oct 1, 20267.25%▲ from 7.00%
- Sep 14, 20267.00%first recorded
based on $383,625 loan, no down payment, 45-day lock; rates as of 11/10/2026
As Low As; Government Fixed Rate (As low as Rates)
- Oct 19, 20267.38%▼ from 8.03%
- Oct 9, 20268.03%▲ from 7.25%
- Oct 1, 20267.25%▲ from 7.00%
- Sep 14, 20267.00%first recorded
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Port St Lucie, FL Mortgage Rate Trends
Compare local Port St Lucie, FL mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.
Florida 30-year fixed rates fell 0.032 points over the past 7 days to 7.021%.
Florida 15-year fixed rates fell 0.005 points over the past 7 days to 6.613%.
Florida Mortgage Rate Forecast, Next 12 Months
Where are Florida mortgage rates headed through November 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.
What Forecast Rates Mean for Port St Lucie, FL Home Buyers
Monthly principal & interest payment on Port St Lucie, FL median home of $303,400 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (FL avg) | 7.021% | $1,618 | 26% | |
| 6-Month Forecast | 7.021% (6.67, 7.32%) | $1,618 | +$0/mo | 26% |
| 12-Month Forecast | 7.271% (6.92, 7.57%) | $1,659 | +$41/mo | 26.7% |
Income column = annual mortgage payment as % of Port St Lucie, FL median household income ($74,568). Above 30% is generally considered cost-burdened.
Port St Lucie, Florida Housing Affordability
The MonitorBankRates Housing Affordability Index (MBR-HAI) for Port St Lucie, Florida is updated every morning from local Census Bureau data and the current Florida average mortgage rate. It uses Florida statewide data where city figures are not published. A score of 100 equals the national baseline; higher is more affordable.
- MBR-HAI Score: 96.2 Near Average (Nov 12, 2026)
- National Score: 97.8 (Port St Lucie is 1.6 points below)
- Average 30-Year Rate: 7.02% (Florida lenders)
- Median Home Value: $359,000 (Census)
- Median Household Income: $74,568 (Census)
- Principal & Interest on the Median Home: $1,915/mo (20% down)
What This Score Means for Port St Lucie, Florida Home Buyers
The median home value of $359,000 against a median household income of $74,568 gives a price-to-income ratio of 4.8x, modestly above the national norm. Beyond the mortgage, the median total monthly owner cost here is $1,346, covering the mortgage, property taxes, insurance and utilities. Property taxes alone average $249 a month.
- 120+ Very Affordable
- 110 to 119 Affordable
- 95 to 109 Near Average
- 85 to 94 Less Affordable
- 50 to 84 Much Less Affordable
- Below 50 Least Affordable
See the full Florida affordability page All state rankings Methodology
How Mortgage Rates Impact Home Affordability in Port St Lucie, Florida
Port St Lucie, Florida Housing Market Overview
City-level home value data is not available for Port St Lucie ; figures below reflect Florida statewide data.
The Florida statewide median owner-occupied home value is approximately $359,000, according to the U.S. Census Bureau. The 2026 FHFA conforming loan limit for this area is $832,750, meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.
Port St Lucie, Florida Homeownership Rate
The homeownership rate in Port St Lucie, Florida stands at 65.4%, near the national average of 65.7%. The homeowner vacancy rate is 2.1%.
Monthly Payment Estimates for Port St Lucie, Florida Buyers
Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $400,000 mortgage.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.521% | 30-year fixed | $2,534 | $512,168 |
| 7.021% Current Avg | 30-year fixed | $2,667 | $560,067 |
| 7.521% | 30-year fixed | $2,803 | $608,940 |
| 6.613% | 15-year fixed | $3,509 | $231,679 |
A 0.500% rate increase on a $400,000 loan adds roughly $136 per month and over $48,873 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders, using the rate table above, is one of the most impactful financial decisions a Port St Lucie, Florida buyer can make.
Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only; taxes, insurance, and PMI not included.
Port St Lucie, Florida Income & Housing Affordability
City-level Census data is not available for Port St Lucie ; figures below reflect Florida statewide data.
At a price-to-income ratio of 4.8x, Florida is a relatively affordable housing market compared to national averages. That ratio, median home value divided by median household income, is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.
What This Means for Florida Buyers
With a median household income of $74,568 per year in Florida statewide ($6,214/month) and a median home value of approximately $359,000, a buyer financing at 80% LTV at the current average rate would commit roughly 42.9% of gross monthly income to principal and interest alone. That places most buyers above the 30% threshold housing economists use to define "cost burdened", before taxes, insurance, HOA fees, or PMI are factored in.
Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.
Full Cost of Homeownership in Port St Lucie, Florida
A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in Port St Lucie, Florida. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.
Owner vs. Renter Costs
In Port St Lucie, Florida, the median homeowner with a mortgage pays approximately $1,346/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $1,669/month including utilities. In this market, owning costs less per month than renting, a compelling financial case for buyers who can qualify for financing. Property taxes alone account for $249/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.
Housing Cost Burden
The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.
In Port St Lucie, Florida, 35% of homeowners with mortgages are cost burdened and 58.1% of renters are cost burdened. Renters face significantly higher burden rates than owners, a pattern that often reflects lower renter incomes rather than lower rental costs, and one that can make the path from renting to owning financially difficult even when mortgage payments might be affordable. With an owner burden rate of 35% near the national average of 28.0%, this market reflects typical affordability conditions for mortgage holders.
Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.
Port St Lucie, Florida Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s Port St Lucie, Florida rates. The home price is prefilled with the local median home value. Adjust anything, or click a current rate on the right to apply that loan type’s rate and term instantly.
Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.
Run the Numbers on Your Port St Lucie, Florida Home Loan
Rates are only part of the equation. Use these calculators to translate current Port St Lucie, Florida mortgage rates and home loan rates into real numbers for your specific situation before you request quotes from mortgage lenders.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Port St Lucie, Florida rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateIf you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateBuying isn’t always the better financial decision, and renting isn’t always throwing money away. This calculator weighs the full cost of each path: mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment, to show which option builds more wealth over your intended time horizon in Port St Lucie, Florida.
CalculateTypes of Mortgages Available in Port St Lucie, Florida
Not every loan program is right for every buyer in Port St Lucie, Florida. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products, and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.
Fixed-Rate Mortgage
A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.
Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s Port St Lucie, Florida rate levels.
Adjustable-Rate Mortgage (ARM)
An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.
ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.
FHA Loan
Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.
The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15% to 0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment, given ongoing home price trends in Port St Lucie, Florida, FHA is often the faster path to ownership.
VA Loan
Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.
A one-time funding fee applies, 2.15% of the loan for first-time VA borrowers with no down payment, which can be financed into the loan. In Port St Lucie, Florida, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.
Jumbo Loan
The 2026 FHFA conforming loan limit for Port St Lucie, Florida is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk and price that risk accordingly.
Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10 to 20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Port St Lucie, Florida mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Port St Lucie, Florida directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Port St Lucie, Florida. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in FL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
Mortgage Product Information
How a Mortgage Works
A mortgage is a loan used to buy a home in Port St Lucie, Florida, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.
Fixed vs. Adjustable Rate Mortgages
A fixed-rate mortgage keeps the same interest rate for the entire term, so a Port St Lucie, Florida homeowner’s principal-and-interest payment never changes. For example, Seacoast National Bank is listing a 30 Year Fixed Mortgage at 7.252%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit Port St Lucie, Florida borrowers who expect to move or refinance before that point. On the adjustable-rate side, Tropical Financial Credit Union is listing a 5/6 ARM (variable rate) at 6.042%.
How Mortgage Rates Are Set
Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a Florida borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.
Points and Closing Costs
The interest rate is not the only cost of buying a home in Port St Lucie, Florida. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps Port St Lucie, Florida shoppers account for these costs when weighing lenders.
When to Consider Refinancing
Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For Port St Lucie, Florida homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up. Current Port St Lucie, Florida refinance rates from local lenders are listed on our refinance page.
Frequently Asked Questions about Mortgage Rates in Port St Lucie, Florida
What are mortgage rates in Port St Lucie, Florida today?
What are home loan rates in Port St Lucie, FL today?
How does my credit score affect my rate in Port St Lucie, Florida?
What is a 30-Year Fixed Mortgage?
What are closing costs in Port St Lucie, Florida?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Port St Lucie, Florida?
Do I need 20% down to buy a house in Port St Lucie, Florida?
What is the difference between Interest Rate and APR?
How do I compare mortgage lenders in Port St Lucie, Florida?
How do I get mortgage quotes in Port St Lucie, Florida?
What is the homeownership rate in Port St Lucie, Florida?
What is the conforming loan limit in Port St Lucie, Florida?
What is the median monthly cost of homeownership in Port St Lucie, Florida?
What are the median property taxes in Port St Lucie, Florida?
What is the median rent in Port St Lucie, Florida?
What percentage of homeowners are cost burdened in Port St Lucie, Florida?
What percentage of renters are cost burdened in Port St Lucie, Florida?
What are the best Mortgage rates in Port St Lucie, Florida?
- Seacoast National Bank: 7.252% (30 Year Fixed Mortgage)
- Radiant Credit Union: 5.99% (Home Loan - 30-Year Fixed First Lien Mortgage)
- Florida Central Credit Union: 5.85% (Second Home Mortgage - 30 Year Fixed)
- Partners Federal Credit Union: 6.482% (Partners - 30 Yr Fixed)
- Fairwinds Credit Union: 6.375% (30 Year Fixed Mortgage)
Port St Lucie, Florida Rates & Resources
