ZIP 34953 vs ZIP 34984

34953 is one of 14 ZIP codes that lie mostly in St. Lucie County, FL.

Shaded by typical home value, it ranks 4 of the 14 with a value.

4 school locations in 34953: 1 elementary, 2 middle, 1 high.

In alphabetical order: OAK HAMMOCK K-8 SCHOOL, SOMERSET ACADEMY ST. LUCIE, TREASURE COAST HIGH SCHOOL, WINDMILL POINT ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

34984 is one of 14 ZIP codes that lie mostly in St. Lucie County, FL.

Shaded by typical home value, it ranks 5 of the 14 with a value.

2 school locations in 34984: 1 elementary, 1 high.

In alphabetical order: ACCELERATION ACADEMY, BAYSHORE ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 34953 was worth $97,276.

Values peaked at $417,083 in August 2022. The latest reading is −4.6% from that peak.

As of August 2026: $397,936, −0.4% over twelve months.

Start with the typical home: $397,936. Put 20% down and borrow $318,349 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,204 a month in principal and interest.

The median household here earns $81,028 a year, $6,752 a month. So the payment takes 32.6% 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 8.0% 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 $582.

In December 2020, with rates at 2.68%, it was $863.

By August 2026, at 6.67%, it was $2,047 — +137% since December 2020, while the home's value moved +49%.

Reported values rose +309% 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 $191,984. So the real change is +107%, not +309%.

34953: +309% since January 2000.

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

Florida: +245% since January 2000 — 34953 ran ahead of it by 64 points.

Owning the typical home costs about $2,602 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,637 a month.

Price divided by a year's rent: 12.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34984 was worth $103,115.

Values peaked at $418,216 in May 2024. The latest reading is −5.7% from that peak.

As of August 2026: $394,493, −1.4% over twelve months.

Start with the typical home: $394,493. Put 20% down and borrow $315,594 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,185 a month in principal and interest.

The median household here earns $79,766 a year, $6,647 a month. So the payment takes 32.9% 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 8.6% 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 $617.

In December 2020, with rates at 2.68%, it was $869.

By August 2026, at 6.67%, it was $2,030 — +134% since December 2020, while the home's value moved +47%.

Reported values rose +283% 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 $203,508. So the real change is +94%, not +283%.

34984: +283% since January 2000.

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

Florida: +245% since January 2000 — 34984 ran ahead of it by 38 points.

Owning the typical home costs about $2,580 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,363 a month.

Price divided by a year's rent: 13.9. 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 144 a month (Redfin, 3-month rolling data through August 2026). That is 84% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 501. That is 108% of the 2015–2019 level for the same months.

Going out — closed sales: about 116 a month. That is 80% of the 2015–2019 level for the same months. The drain is drawn 30% narrower: the share of homes for sale that sell each month is 70% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.3 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 28 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 116 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 127 — so sales ran at 91% 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).

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 56 a month (Redfin, 3-month rolling data through August 2026). That is 141% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 188.

Going out — closed sales: about 41 a month. That is 112% of the 2015–2019 level for the same months. The drain is drawn 26% narrower: the share of homes for sale that sell each month is 74% 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 15 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 41 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 30 — so sales ran at 137% of it, and below it in 1 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: 501 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: 188 in June 2026.

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