ZIP 34946 vs ZIP 34950

34946 is one of 14 ZIP codes that lie mostly in St. Lucie County, FL.

Shaded by typical home value, it ranks 13 of the 14 with a value.

34950 is one of 14 ZIP codes that lie mostly in St. Lucie County, FL.

Shaded by typical home value, it ranks 14 of the 14 with a value.

7 school locations in 34950: 3 elementary, 2 middle, 2 high.

In alphabetical order: CREATIVE ARTS ACADEMY OF ST. LUCIE, DALE CASSENS EDUCATION COMPLEX, DAN MCCARTY MIDDLE SCHOOL, FRANCES K. SWEET ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 34946 was worth $77,616.

Values peaked at $262,297 in March 2024. The latest reading is −4.4% from that peak.

As of August 2026: $250,856, +0.5% over twelve months.

Start with the typical home: $250,856. Put 20% down and borrow $200,685 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,390 a month in principal and interest.

The median household here earns $40,488 a year, $3,374 a month. So the payment takes 41.2% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 12.7% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $465.

In December 2020, with rates at 2.68%, it was $548.

By August 2026, at 6.67%, it was $1,291 — +136% since December 2020, while the home's value moved +48%.

Reported values rose +223% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $153,183. So the real change is +64%, not +223%.

34946: +223% since January 2000.

St. Lucie County: +279% since January 2000.

Florida: +245% since January 2000 — 34946 ran behind it by 22 points.

Owning the typical home costs about $1,640 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,800 a month.

Price divided by a year's rent: 11.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34950 was worth $52,267.

Values peaked at $226,473 in April 2024. The latest reading is −15.2% from that peak.

As of August 2026: $192,065, −6.2% over twelve months.

Start with the typical home: $192,065. Put 20% down and borrow $153,652 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,064 a month in principal and interest.

The median household here earns $32,707 a year, $2,726 a month. So the payment takes 39.0% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 10.6% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $313.

In December 2020, with rates at 2.68%, it was $429.

By August 2026, at 6.67%, it was $988 — +130% since December 2020, while the home's value moved +45%.

Reported values rose +267% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $103,154. So the real change is +86%, not +267%.

34950: +268% since January 2000.

St. Lucie County: +279% since January 2000.

Florida: +245% since January 2000 — 34950 ran ahead of it by 23 points.

Owning the typical home costs about $1,256 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,691 a month.

Price divided by a year's rent: 9.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 13 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 38.

Going out — closed sales: about 8 a month. The drain is drawn 20% narrower: the share of homes for sale that sell each month is 80% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.6 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 8 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 3 — so sales ran at 267% of it, and below it in 0 of the last 24 months.

Across St. Lucie County, builders pulled permits for 4,008 new homes in 2025.

Of those, 87% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 21 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 98.

Going out — closed sales: about 12 a month. The drain is drawn 52% narrower: the share of homes for sale that sell each month is 48% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 8.2 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 9 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 12 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 16 — so sales ran at 75% of it, and below it in 23 of the last 24 months.

Across St. Lucie County, builders pulled permits for 4,008 new homes in 2025.

Of those, 87% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in St. Lucie County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 9,123 moved in. Among the ten receiving the most, 4,893 moved out.

Net across those counties: +4,230 households. Beside it, homes for sale in this ZIP: 38 in June 2026.

Most arrivals came from Palm Beach, FL (3,326 households); most departures went to Palm Beach, FL (1,085).

This ZIP sits in St. Lucie County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 9,123 moved in. Among the ten receiving the most, 4,893 moved out.

Net across those counties: +4,230 households. Beside it, homes for sale in this ZIP: 98 in June 2026.

Most arrivals came from Palm Beach, FL (3,326 households); most departures went to Palm Beach, FL (1,085).