Total monthly cost of ownership
Cost to Own a Home in Fort Pierce South, Florida
A $211,000 home here costs
$1,852per month, all in, with 20% down at today's 7.32% 30-year fixed rate. By the 28% rule that takes a household income of about $79,500 a year.
A standard mortgage calculator would have told you $1,160. The real number is $693 higher every month, 60% more than the payment most buyers budget for.
Compare St. Lucie County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Fort Pierce South from a five-year rolling sample, and with about 4,686 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The St. Lucie County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Fort Pierce South against St. Lucie County and Florida
| Measure | Fort Pierce South | St. Lucie County |
|---|---|---|
| Median home value | $211,100 | $305,800 |
| Median property tax | $1,868 | $2,893 |
| Effective tax rate | 0.885% | 0.946% |
| Median gross rent | $1,059 | $1,489 |
| Population | 4,686 | 346,237 |
The weather behind that power bill
Fort Pierce South sits in St. Lucie County, which averages a high of 90.3°F in its hottest month and a low of 51.2°F in its coldest, with 51.17" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 3,391 cooling and 418 heating degree days, which is what sets the $166 electricity line above.
See the full climate breakdown for St. Lucie County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Lucie County
Full St. Lucie County cost breakdown · Every county in Florida
Talk to someone who works this market
These are Fort Pierce South averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Fort Pierce South every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Fort Pierce South I already own here and may sell
Common questions
How much does it cost to own a home in Fort Pierce South?
A $211,000 home in Fort Pierce South, Florida costs approximately $1,852 per month with 20% down at 7.32%. That is $1,160 principal and interest, $156 property tax, $127 homeowners insurance, $234 utilities and $176 set aside for maintenance.
What is the property tax rate in Fort Pierce South?
Fort Pierce South has an effective property tax rate of 0.885%, based on a median home value of $211,100 and median real estate taxes of $1,868. That is lower than the St. Lucie County average of 0.946%.
What is the average home price in Fort Pierce South?
The median owner-occupied home value in Fort Pierce South, Florida is $211,100, against $305,800 across St. Lucie County.
Is it cheaper to rent or buy in Fort Pierce South?
Median gross rent in Fort Pierce South is $1,059 a month, against $1,852 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Fort Pierce South?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Fort Pierce South, Florida at today's rate takes a household income of roughly $79,500 a year. That covers the full $1,852 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Fort Pierce South, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Florida.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.