ZIP 34949 vs ZIP 34945

34949 is one of 14 ZIP codes that lie mostly in St. Lucie County, FL.

Shaded by typical home value, it ranks 2 of the 14 with a value.

34945 is one of 14 ZIP codes that lie mostly in St. Lucie County, FL.

Shaded by typical home value, it ranks 3 of the 14 with a value.

In January 2000 the typical home in 34949 was worth $125,006.

Values peaked at $500,801 in November 2022. The latest reading is −18.2% from that peak.

As of August 2026: $409,788, −2.0% over twelve months.

Start with the typical home: $409,788. Put 20% down and borrow $327,830 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,270 a month in principal and interest.

The median household here earns $92,188 a year, $7,682 a month. So the payment takes 29.5% of income — rated “stretched” (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 9.0% 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 $748.

In December 2020, with rates at 2.68%, it was $1,041.

By August 2026, at 6.67%, it was $2,108 — +102% since December 2020, while the home's value moved +27%.

Reported values rose +228% 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 $246,712. So the real change is +66%, not +228%.

34949: +228% since January 2000.

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

Florida: +245% since January 2000 — 34949 ran behind it by 17 points.

Owning the typical home costs about $2,680 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,761 a month.

Price divided by a year's rent: 12.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34945 was worth $95,779.

Values peaked at $414,268 in May 2024. The latest reading is −1.3% from that peak.

As of August 2026: $409,022, +1.2% over twelve months.

Start with the typical home: $409,022. Put 20% down and borrow $327,218 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,266 a month in principal and interest.

The median household here earns $72,941 a year, $6,078 a month. So the payment takes 37.3% 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 8.7% 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 $573.

In December 2020, with rates at 2.68%, it was $886.

By August 2026, at 6.67%, it was $2,104 — +137% since December 2020, while the home's value moved +49%.

Reported values rose +327% 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 $189,030. So the real change is +116%, not +327%.

34945: +327% since January 2000.

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

Florida: +245% since January 2000 — 34945 ran ahead of it by 82 points.

Owning the typical home costs about $2,675 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $686 a month.

Price divided by a year's rent: 49.7. 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 44 a month (Redfin, 3-month rolling data through August 2026). That is 102% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 246. That is 99% of the 2015–2019 level for the same months.

Going out — closed sales: about 28 a month. That is 68% of the 2015–2019 level for the same months. The drain is drawn 29% narrower: the share of homes for sale that sell each month is 71% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 8.7 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 15 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 28 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 35 — so sales ran at 80% of it, and below it in 21 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 11 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 55.

Going out — closed sales: about 7 a month. The drain is drawn 41% narrower: the share of homes for sale that sell each month is 59% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 7.5 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 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 7 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 4 — so sales ran at 175% 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).

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: 246 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: 55 in June 2026.

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