Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Port St. Lucie Mortgage Calculator

Estimate your true cost of homeownership in Port St. Lucie with localized property taxes, insurance, and utility data.

← Back to Port St. Lucie Hub
Est. Total Monthly Cost
$3,068
P&I Payment$2,163
Taxes & Ins$745
Utilities$160
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Port St. Lucie scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$427,716
Local Median: $427,716
$85,543 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$3,068

Monthly Breakdown

Principal & Interest
$2,163
Property Taxes
$268
Homeowners Ins.
$477
Utilities
$160

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$436,423

Local Housing Facts for Port St. Lucie

  • ·Median home value: $427,716 (adjusted for current market conditions)
  • ·Est. property taxes: $3,218/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $5,720/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,924/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Port St. Lucie?

Based on the local median home value, estimated real estate property taxes in Port St. Lucie are around $3,218 per year.

What is the average home price in Port St. Lucie?

The median home value in Port St. Lucie is currently estimated at $427,716.

How much does homeowners insurance cost in Port St. Lucie?

For a median priced home, homeowners insurance in Port St. Lucie averages around $5,720 annually.

What is the true total cost of owning a home in Port St. Lucie?

True homeownership costs go beyond principal and interest. In Port St. Lucie, a typical homeowner with a median-priced home of $427,716 can expect to pay roughly $3,218/yr in property taxes, $5,720/yr for homeowners insurance, and $1,924/yr in energy utilities. That adds approximately $905 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.