ZIP 34986 vs ZIP 34981

34986 is one of 14 ZIP codes that lie mostly in St. Lucie County, FL.

Shaded by typical home value, it ranks 6 of the 14 with a value.

9 school locations in 34986: 1 elementary, 4 middle, 4 high.

In alphabetical order: HOMEBOUND PROGRAM, MANATEE ACADEMY K-8, RENAISSANCE CHARTER SCHOOL OF ST. LUCIE, SOMERSET ACADEMY BETHANY, and more on the ZIP page. Locations only — no ratings are shown here.

34981 is one of 14 ZIP codes that lie mostly in St. Lucie County, FL.

Shaded by typical home value, it ranks 7 of the 14 with a value.

5 school locations in 34981: 1 middle, 4 high.

In alphabetical order: DATA HOUSE, FOREST GROVE MIDDLE SCHOOL, FORT PIERCE CENTRAL HIGH SCHOOL, INDEPENDENCE CLASSICAL ACADEMY, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 34986 was worth $145,613.

Values peaked at $424,689 in September 2022. The latest reading is −12.3% from that peak.

As of August 2026: $372,418, −3.0% over twelve months.

Start with the typical home: $372,418. Put 20% down and borrow $297,934 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,063 a month in principal and interest.

The median household here earns $85,842 a year, $7,154 a month. So the payment takes 28.8% 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 11.3% 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 $872.

In December 2020, with rates at 2.68%, it was $898.

By August 2026, at 6.67%, it was $1,916 — +113% since December 2020, while the home's value moved +34%.

Reported values rose +156% 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 $287,382. So the real change is +30%, not +156%.

34986: +156% since January 2000.

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

Florida: +245% since January 2000 — 34986 ran behind it by 89 points.

Owning the typical home costs about $2,435 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,242 a month.

Price divided by a year's rent: 13.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34981 was worth $87,621.

Values peaked at $384,006 in May 2024. The latest reading is −4.2% from that peak.

As of August 2026: $367,718, +0.8% over twelve months.

Start with the typical home: $367,718. Put 20% down and borrow $294,174 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,037 a month in principal and interest.

The median household here earns $64,052 a year, $5,338 a month. So the payment takes 38.2% 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 9.1% 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 $525.

In December 2020, with rates at 2.68%, it was $809.

By August 2026, at 6.67%, it was $1,892 — +134% since December 2020, while the home's value moved +47%.

Reported values rose +320% 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 $172,929. So the real change is +113%, not +320%.

34981: +320% since January 2000.

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

Florida: +245% since January 2000 — 34981 ran ahead of it by 75 points.

Owning the typical home costs about $2,405 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,288 a month.

Price divided by a year's rent: 23.8. 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 88 a month (Redfin, 3-month rolling data through August 2026). That is 103% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 356. That is 110% of the 2015–2019 level for the same months.

Going out — closed sales: about 67 a month. That is 77% of the 2015–2019 level for the same months. The drain is drawn 25% narrower: the share of homes for sale that sell each month is 75% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.3 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 22 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 67 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 73 — so sales ran at 92% of it, and below it in 24 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 9 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 5 a month. The drain is drawn 23% narrower: the share of homes for sale that sell each month is 77% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 7.1 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 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 5 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 4 — so sales ran at 125% of it, and below it in 6 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: 356 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: 38 in June 2026.

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