ZIP Code 34986 — Port Saint Lucie, FL Home Prices (2026)

The typical home in ZIP 34986 (Port Saint Lucie, Florida) is worth about $374,000 at roughly $210 per square foot — 3% more affordable than the Port Saint Lucie median and 27% more expensive than the typical U.S. home.

$374,000

Typical home value

$210

Price per sq ft

#4 of 6

Port Saint Lucie ZIPs by value

-3%

vs Port Saint Lucie median

How 34986 compares

ZIP 34986 is a mid-priced ZIP code for Port Saint Lucie: its typical home value of $374,000 ranks #4 of the 6 Port Saint Lucie ZIP codes we track (the citywide range runs from $321,000 in 34952 to $449,000 in 34987). Per square foot it costs about $210, against $234 for Port Saint Lucie as a whole, $229 for Florida, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 34986	$374,000	$210
Port Saint Lucie, FL	$385,000	$234
Florida	$349,000	$229
United States	$294,000	$195

Home value by size in 34986

Using this ZIP’s rate of about $210 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$210,000
1,500 sq ft	$315,000
2,000 sq ft	$420,000
2,500 sq ft	$525,000
3,000 sq ft	$630,000

Salary needed to buy a home in ZIP 34986

To buy the typical $374,000 home in ZIP 34986 with 20% down, you need a household income of roughly $102,000 a year (about $2,370 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $121,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$18,700	$2,950/mo	$126,000/yr
10% (+PMI)	$37,400	$2,820/mo	$121,000/yr
20%	$74,800	$2,370/mo	$102,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 34986

At about $210 per square foot, here is roughly how much home different budgets get you in ZIP 34986:

Budget	Approx. size	What that looks like locally
$200k	950 sq ft	below the local median — condos, smaller or older homes
$250k	1190 sq ft	below the local median — condos, smaller or older homes
$300k	1430 sq ft	around the typical home here
$400k	1900 sq ft	around the typical home here
$500k	2380 sq ft	above the median — larger homes or the pricier ZIPs

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 34986 home.

Estimate a specific home in 34986

The estimator below is pre-set to ZIP 34986 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Port Saint Lucie ZIP codes by home value

Where 34986 sits among Port Saint Lucie’s 6 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	34987	$449,000	$231
2	34953	$400,000	$236
3	34984	$396,000	$252
4	34986 (this page)	$374,000	$210
5	34983	$364,000	$236
6	34952	$321,000	$228

ZIP 34986 home prices: frequently asked

What is the average home price in ZIP code 34986? +

The typical home in ZIP 34986 (Port Saint Lucie, FL) is worth about $374,000 as of 2026. That is 3% more affordable than the Port Saint Lucie median of $385,000 and 27% more expensive than the U.S. median of $294,000.

What is the price per square foot in 34986? +

About $210 per square foot in 34986, versus $234 across Port Saint Lucie and $229 across Florida. At that rate a 1,500 sq ft home runs roughly $315,000 and a 2,500 sq ft home about $525,000.

What salary do you need to buy a house in ZIP 34986? +

For the typical $374,000 home in ZIP 34986, a household income of about $102,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $121,000; with 5% down about $126,000.

Is 34986 an expensive ZIP code? +

Within Port Saint Lucie, 34986 ranks #4 of 6 ZIP codes by typical home value, which makes it a mid-priced ZIP code for Port Saint Lucie. Nationally it is about average.

See the full Port Saint Lucie home values page, all Florida cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.