ZIP 34950

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 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 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: 98 in June 2026.

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