Home / Florida / Port St. Lucie
Live St. Lucie County pricing · updated 10/21/2026
Port St. Lucie Mortgage Rates
New-construction and family financing across Tradition, St. Lucie West and Riverland, priced live across many lenders, with HOA dues and CDD assessments counted before you fall in love with a floor plan.
Today’s Port St. Lucie Mortgage Rates
No points, no credit
0.250 points
0.064 points
0.224 points
0.112 points
Par rate per program for a single-family primary residence in St. Lucie County, 20% down, 780+ credit, 30-day lock, escrows included. Rates change through the day and are not a commitment to lend. Price your own Port St. Lucie scenario, no credit pull.
Port St. Lucie Mortgage Rates Today: Affordable Living on the Treasure Coast
Port St. Lucie has become the Treasure Coast’s affordability story. Typical homes sell for around $400,000, well below Palm Beach County to the south, and that gap draws first-time buyers, growing families and people relocating from South Florida. Master-planned communities such as Tradition, St. Lucie West, Torino and the Riverland corridor keep new inventory coming.
Today’s par 30-year fixed for St. Lucie County is 6.875% for a well-qualified buyer with 20% down, and the 30-year FHA is pricing at 6.599%. Your own rate depends on credit, down payment and loan type, so On Mortgage shops multiple lenders on your exact scenario.
The rate is only part of the story here, though. St. Lucie County’s property tax rate is the highest of any county in our Florida data, and newer communities often add both HOA dues and a CDD assessment. Two homes at the same price can carry very different payments, which is what the table further down this page shows.
New-Construction Financing in Tradition & Riverland
Port St. Lucie is one of Florida’s busiest new-construction markets, and builder financing is not always your best deal. Builder incentives, such as closing-cost credits or a reduced rate, are often tied to using the builder’s affiliated lender. That can be a good offer, but sometimes the incentive is recovered through a higher rate, points or fees elsewhere. The only way to know is to compare a full loan estimate side by side.
Timing is the other challenge. A home that will not be finished for several months needs either a floating rate with a lock closer to completion, or an extended lock that holds today’s rate through construction for an added cost. We quote extended locks with independent lenders, coordinate the final inspection and appraisal with the builder’s schedule, and keep your closing on track.
Compare the whole package
Rate, points, lender fees and the incentive, all in dollars, from the builder’s lender and from ours.
Plan the lock
Float, standard lock or extended lock, chosen around your completion date and how much rate risk you can accept.
Keep the appraisal clean
New-home appraisals rely on recent sales in the same community; we make sure the appraiser has them.
Understanding HOA & CDD Costs Before You Buy
Many Port St. Lucie communities carry both HOA dues and CDD bond assessments. A Community Development District is a special taxing district that financed the roads, water and sewer lines, and amenities in a new community; homeowners repay that debt through an annual assessment that appears on the property tax bill, usually alongside a smaller operations and maintenance charge. Lenders count both the CDD and the HOA in your qualifying ratios, and they can meaningfully change what you can afford.
Here is the same $400,000 home, financed with 10% down at today’s rate, in three different settings. The HOA and CDD amounts are illustrative; every community’s are different and are disclosed before you sign.
| $400,000 home, $360,000 loan | Principal, interest and PMI | Taxes and insurance | HOA | CDD | Total monthly | Income needed |
|---|---|---|---|---|---|---|
| Resale home on the original city grid, no HOA | $2,479 | $683 | None | None | $3,162 | $98,000/yr |
| Community with HOA dues only | $2,479 | $683 | $175 | None | $3,337 | $102,000/yr |
| New community with HOA and CDD | $2,479 | $683 | $250 | $183 ($2,200/yr) | $3,596 | $109,000/yr |
At 6.875% par pricing for a St. Lucie County primary residence; PMI estimated at a 740 score. Taxes use the county total millage and the homestead exemption, and insurance is the county average scaled to price. Income needed assumes a 45% total debt-to-income ratio with $500 a month of other debts; lender limits vary by program.
The difference between the first and last rows is a few hundred dollars a month, the equivalent of a much larger change in the interest rate. That does not make CDD communities a bad buy. The assessment pays for infrastructure and amenities, and some CDD bonds can be paid off early. But it belongs in the comparison from the start. On Mortgage breaks those costs down before you write an offer, and pairs affordable FHA and zero-down VA options with the area’s family buyers. See FHA loans in Port St. Lucie or reach a Port St. Lucie mortgage broker.
Conventional, FHA or VA on a Port St. Lucie home
FHA and VA are popular here for good reason. For a buyer with a 700 score purchasing at the typical price, today’s pricing from our lender panel compares like this:
| $400,000 purchase, 700 credit | Conventional, 5% down | FHA, 3.5% down | VA, 0% down |
|---|---|---|---|
| Down payment | $20,000 | $14,000 | $0 |
| Loan amount | $380,000 | $392,755 (includes 1.75% upfront MIP) | $408,600 (includes 2.15% funding fee) |
| Today’s rate | 7.750% | 6.599% | 6.599% |
| Principal and interest | $2,722/mo | $2,508/mo | $2,609/mo |
| Mortgage insurance | $247/mo PMI | $177/mo MIP | None |
| Total before taxes and insurance | $2,969/mo | $2,685/mo | $2,609/mo |
| Mortgage insurance ends | When you reach 20% equity (cancellable) | Usually lasts the life of the loan with under 10% down | Never charged; fee waived with a service-connected disability |
St. Lucie County owner-occupied pricing at a 700 score with mortgage insurance from current premium tables. HOA dues, CDD assessments, taxes and insurance are added on top.
Most production builders in Port St. Lucie accept FHA and VA financing, though some incentives are reserved for specific loan types. Ask before you choose a lot, and we will confirm which programs the builder and community allow.
Port St. Lucie refinance rates today
$531 lender credit
0.250 points
0.064 points
0.224 points
$228 lender credit
Rate-and-term refinance pricing for a St. Lucie County single-family primary residence with 20% equity and excellent credit. Cash-out and investment refinances price differently. Price your own Port St. Lucie scenario, no credit pull.
When a Port St. Lucie refinance pays
Many Port St. Lucie homes were financed through builder-affiliated lenders in the past several years, often at rates set when the market was higher. If that is your loan, compare it to today’s pricing. Owners with FHA loans can also look at removing mortgage insurance once equity reaches 20%, which may save more than a rate cut. Check the payback in our refinance calculator or see the refinance guide.
Port St. Lucie property taxes and homeowners insurance
Insurance on the Treasure Coast runs far below Palm Beach and Broward, which is a big part of Port St. Lucie’s appeal. Property taxes cut the other way: St. Lucie County’s combined millage is high, and CDD assessments in newer neighborhoods are billed with the taxes. Here is the escrow on a homesteaded single-family home at the typical price, before any HOA or CDD.
Sources: Florida county homeowners insurance premiums (worthinsurance.com) and county total millage (movewithmomentum.com), updated October 2026. Your own premium depends on the home’s age, roof, construction and wind mitigation features, and flood coverage is a separate policy. Property tax and homeowners insurance are estimates (1.2% and 0.85% of the home’s value per year). Your actual taxes and insurance premium depend on the property, exemptions and the policy you choose, and will be confirmed on your Loan Estimate. Run your own numbers.
Neighborhoods we serve
Tradition and Southern Grove
A large master-planned area west of I-95 with town-center shopping, new home sections and growing employment. HOA and CDD costs are typical.
St. Lucie West and Torino
Established communities near Clover Park, home of the Mets’ spring training, with a mix of resale homes, villas and golf communities.
Riverland and the western corridor
Newer communities, including active-adult sections, where builder incentives and extended locks come up often.
The original city grid
Older single-family homes on quarter-acre lots throughout central and eastern Port St. Lucie, often without an HOA, popular with FHA and VA buyers.
Our Reviews
What Florida borrowers say after closing with On Mortgage. Five stars on Google (130 reviews) and Zillow (92 reviews).
“We cannot say enough amazing things about Caroline! As a first-time homebuyer, this was such a huge and exciting milestone for us, and we’re so grateful that we had her by our side throughout the entire process. Caroline was incredibly knowledgeable, patient, responsive, and supportive from beginning to end.”
“I had an amazing experience working with Ms. Caroline Da Silva throughout my entire home-buying process. From day one, she was professional, knowledgeable, responsive, and always there whenever I had questions. She kept me updated every step of the way and made everything easy to understand.”
“Caroline was great. Always responsive and available whenever I needed assistance or had questions. 10/10 would recommend to any veteran or anyone for that matter.”
Port St. Lucie Mortgage Rates: Frequently Asked Questions
What are today’s Port St. Lucie mortgage rates?
Live rates are shown at the top of this page and update from our lenders’ rate sheets. Your own rate depends on loan amount, down payment, credit score and loan type. Port St. Lucie’s affordability makes FHA and VA financing especially popular here, and the comparison table above shows today’s numbers for each.
Should I use the builder’s lender for new construction?
Not always. Builder incentives can look attractive but may not be the lowest total cost. Ask the builder’s lender for a loan estimate, get one from us with the same terms, and compare rate, points, fees and incentive in dollars. We also handle extended rate locks for homes still under construction.
What are CDD bonds in Port St. Lucie communities?
A Community Development District finances roads, utilities and amenities in a new community through bonds. Homeowners repay them with an annual assessment on the property tax bill, in addition to any HOA dues. Lenders include CDD and HOA costs in your qualifying ratios, so we break these down before you write an offer.
Is Port St. Lucie good for families and first-time buyers?
Yes. Prices around $400,000, insurance well below South Florida and plenty of new construction draw families and buyers priced out of Palm Beach County. FHA and zero-down VA options fit well, and resale homes on the original city grid often have no HOA at all.
How much home can I afford in Port St. Lucie?
That depends on your income, debts and the community’s HOA and CDD costs. The table above shows how much those costs change the income needed for the same house. Get pre-approved and we will give you a clear, accurate number for the homes you are considering.
More for Port St. Lucie borrowers
Nearby in Treasure Coast
Get your Port St. Lucie rate quote
Comparing a builder offer, choosing between communities or refinancing, On Mortgage will price your Port St. Lucie loan across many lenders and show the full monthly cost, HOA and CDD included. Call or start a quote today.