Real Estate Investing in Fort Pierce, Florida (34950)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Saint Lucie County • Population: 17,674 • Data updated: September 2026

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Should you buy in 34950 (Fort Pierce, FL)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (52/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (57/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
5 flags
  • High vacancy: 14.6% of homes vacant — above national norms.
  • 1-year downturn: Values declined 3.2% in the last year.
  • Elevated poverty: 34.7% poverty rate — can affect rent collection.
  • Higher unemployment: 9.1% unemployment — tenant risk signal.

What’s happening in Fort Pierce, FL (34950)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

5.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $190,653
Avg Monthly Rent $1,694
1% Rule ✗ Does Not Meet
Median Income $30,451
% Renters 63.4%

Market Analysis: 34950 Fort Pierce

Investors eyeing 34950 need to respect the fundamentals at play. Home values of $191K come alongside slower price movement and elevated management overhead.

The 34950 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

ZIP 34950's metrics run below Saint Lucie County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Looking more closely, 17,674 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

The right play in 34950 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Fort Pierce:

C+ Average
Buy Confidence Score: 63/100
Affordability
5/25
Appreciation
22/25
Stability
11/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6.3× the median income
Value Trend
Declining (-3.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,694/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Port St. Lucie, FL Metro Area
More inventory, negotiating room for buyers
95 days
Average time to sell
Slow
7.2%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Port St. Lucie, FL metro data
🏠

Property Strategy for 34950

Which property type performs best in this market?

Best for Cash Flow
1BR
7.8% cap rate
Best for Appreciation
3BR
+10.0% 5yr CAGR
Best Overall Value
4BR
$68,952/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $113,285 $1,230 7.8% +8.1% $113,285
2BR $167,293 $1,470 6.3% +9.4% $83,646
3BR $219,790 $2,040 6.7% +10.0% $73,263
4BR $275,810 $2,220 5.8% +9.9% $68,952

Market Trends

Home Value History (with trend line)

$230K$188K$147K$105K$64K$22KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,783$1,721$1,660$1,598$1,536$1,474Jun 2024Jun 2025Jun 2026

📊 How Does 34950 Compare?

Metric 34950 Fort Pierce Port St. Lucie, FL Florida
Home Value $190,653 $308,526 N/A $374,697
5-Year CAGR 5.7% 5.4% N/A 7.4%
Avg Rent $1,694 $1,930 N/A -
Cap Rate 6.9% 5.1% - -
💡 Why Invest in 34950? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

63% of households rent in this area, creating consistent tenant demand for landlords.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 34950 (Fort Pierce, FL). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
6.9%
Good
5yr Growth
+5.7%
Moderate

📉 Market Crash Risk Index

Based on Port St. Lucie, FL metro

4/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
74%
Days Pending
2/2
95 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $190,653
Monthly Rent $1,694
Price-to-Rent 9.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 10.7%
Cap Rate 6.9%
5-Year IRR 12.7%

📈 Home Appreciation

1-Year -3.2% ▼
3-Year CAGR -2.1% ▼
5-Year CAGR +5.7% ▲
10-Year CAGR +11.0% ▲

🏠 Rent Trends

1-Year +9.2% ▲
3-Year CAGR N/A
5-Year CAGR N/A
Neutral Leverage Cap Rate: 6.9%  |  30yr Rate: 6.8%
Leverage is roughly neutral here.

The current 30-yr mortgage rate (6.8%) is close to the estimated cap rate (6.9%). Financing this market at current rates produces a cash-on-cash return near the cap rate. Appreciation and tax benefits may still support the investment.

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
14.6%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.7%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 34950

Population: 17,674

💰 Median Household Income
$30,451
This area
$30,451
State
$70,737
USA
$74,580
🏠 Renter Occupied
63.4%
This area
63.4%
State
29.9%
USA
34.0%
💼 Unemployment Rate
9.1%
This area
9.1%
State
-18.0%
USA
3.7%
🎓 College Educated
14.1%
This area
14.1%
State
4.7%
USA
33.7%
👤 Median Age
39.0 years
This area
39.0 years
State
16.0 years
USA
38.9 years
🏚️ Vacancy Rate
14.6%
This area
14.6%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
Black/African American 67.3%
White 22.4%
Other/Mixed 10.2%
Hispanic/Latino 8.8%
👶 Under 18
21.7%
This area
21.7%
USA
22.0%
👴 65 and Over
19.0%
This area
19.0%
USA
17.3%
📊 Poverty Rate
34.7%
This area
34.7%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 34950

B Avg School Grade
7 Schools
16.3:1 Avg Class Size
$11,649 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

CREATIVE ARTS ACADEMY OF ST. LUCIE

📚 K – 08 School
👥
468 Students
👨‍🏫
13.0:1 Class Size
💰
$11,649 Per Student
B Good

DAN MCCARTY MIDDLE SCHOOL

📚 06 – 08 Middle
👥
711 Students
👨‍🏫
17.8:1 Class Size
💰
$11,649 Per Student
B Good

FRANCES K. SWEET ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
364 Students
👨‍🏫
15.2:1 Class Size
💰
$11,649 Per Student
B Good

ST. LUCIE ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
662 Students
👨‍🏫
15.1:1 Class Size
💰
$11,649 Per Student
B Good

DALE CASSENS EDUCATION COMPLEX

📚 Pre-K – 12 K-12
👥
212 Students
👨‍🏫
9.2:1 Class Size
💰
$11,649 Per Student
B Good

LAWNWOOD ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
783 Students
👨‍🏫
18.6:1 Class Size
💰
$11,649 Per Student
C Below Average

LINCOLN PARK ACADEMY

📚 06 – 12 High School
👥
1,680 Students
👨‍🏫
25.1:1 Class Size
💰
$11,649 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

B Good

FAIRLAWN ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
📍 3203 RHODE ISLAND AVE, FORT PIERCE
👥
646 Students
👨‍🏫
15.4:1 Class Size
💰
$11,649 Per Student
B Good

SAMUEL S. GAINES ACADEMY OF EMERGING TECHNOLOGIES

📚 Pre-K – 08 School
📍 2250 S JENKINS RD, FORT PIERCE
👥
702 Students
👨‍🏫
15.3:1 Class Size
💰
$11,649 Per Student
B Good

CHESTER A. MOORE ELEMENTARY SCHOOL

📚 K – 08 School
📍 827 N 29TH ST, FORT PIERCE
👥
429 Students
👨‍🏫
18.9:1 Class Size
💰
$11,649 Per Student
C+ Average

PERFORMANCE BASED PREPARATORY ACADEMY

📚 09 – 12 High School
📍 2909 DELAWARE AVE, FORT PIERCE
👥
141 Students
👨‍🏫
15.7:1 Class Size
💰
$11,649 Per Student
C Below Average

FORT PIERCE WESTWOOD ACADEMY THE W.E.S.T. PREP MAGNET

📚 09 – 12 High School
📍 1801 PANTHER LN, FORT PIERCE
👥
1,956 Students
👨‍🏫
22.5:1 Class Size
💰
$11,649 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

4 Nearby 3,821 Off-Campus Students
C+
Fort Pierce Beauty Academy
30 students · 2.2 mi
C+
Indian River State College
15,104 students · 2.2 mi
C
Aviator College of Aeronautical Science and Technology
314 students · 3.8 mi
D
Fortis Institute-Port Saint Lucie
472 students · 9.9 mi

Investor Insight: With 3,821 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How much rent can I charge in Fort Pierce, FL?

Fort Pierce, FL rentals go for roughly $1,694/mo a month. That puts gross yield in solid territory relative to $191K acquisition costs.

Is Fort Pierce, FL landlord-friendly?

FL law landlord-friendly for landlords, and Fort Pierce inherits those rules. Investors should still review local ordinances for rental licensing.

What is the average home sale price in Fort Pierce, FL?

Expect median prices around $191K in Fort Pierce, FL. The market has run at a 0.0% 5-year CAGR, so entry costs have been predictable.

Does house hacking make sense in Fort Pierce, FL?

House hacking in Fort Pierce, FL is reasonable to execute. Prices around $191K and rents of $1,694/mo solid owner-occupant economics.

What is the typical renter like in Fort Pierce, FL?

Fort Pierce, FL offers a stable renter base at the $1,694/mo rent level. Tenant turnover is reasonable for well-managed properties.

You know 34950 now. You don’t know where it ranks.

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How 34950 ranks in Port St. Lucie, FL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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