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Fort Pierce city, FL

ZIP 34981 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34981

Median Home Value
$369,100
Median Rent
$1,208
Affordability Snapshot
$102,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,371/mo PITI).

23%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.8x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

25.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 34981 in Fort Pierce city, FL, a household would need roughly $102,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,371. That is about 59% above the local median household income ($64,052), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
58.5%-11% vs US avg
x
Vacancy Rate
4.1%-60% vs US avg
x
Broadband Access
82.3%-5% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
3.5%-72% vs US avg
x
Built Post-2014
2.4%-66% vs US avg
x
Rent Burden >30%
12.6%-75% vs US avg
x
Mortgage-Free
51.2%+34% vs US avg
x
$369,100
Home Value
$1,208
Rent
1988
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached55.7%
  • 1-unit attached2.9%
  • 2-9 units27.0%
  • 10+ units14.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$369,100
Median rent$1,208
Owner-occupied58.5%
Vacant4.1%
Price-to-income5.8x
Est. income to buy$102,000