St. Lucie County SHIP Purchase Assistance
Deferred second loan · Income limits
Down payment assistance · St. Lucie County
Buying a home in Port Saint Lucie, FL
1 county program and 26 statewide.Port Saint Lucie has no program of its own, 1 across St. Lucie County, and 26 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Port Saint Lucie
No program of Port Saint Lucie’s own yet
No program run for Port Saint Lucie alone is listed. A home in Port Saint Lucie can use St. Lucie County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Fort Pierce, about 11 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in St. LucieAnywhere in St. Lucie County
1 county program1 county program a Port Saint Lucie homebuyer can use
3 more programs are for homes in Fort Pierce and Port St. Lucie. See them 3 programs in neighboring cities — for homes inside those cities, not Port Saint Lucie
- Fort Pierce — City of Fort Pierce CDBG Homebuyer Assistance
- Fort Pierce — City of Fort Pierce SHIP Home Purchase Assistance
- Port St. Lucie — City of Port St. Lucie Homebuyer Assistance Program
The Port Saint Lucie marketThe Port Saint Lucie housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Port Saint Lucie
- 87.1% single-familysingle-family
- 3.1% townhousetownhouse
- 2.3% 2–4 units2–4 units
- 5.9% 5+ unitscondo & apartment buildings (5+ units)
- 1.7% mobile & othermobile home & other
Condos count. Port Saint Lucie’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Port Saint Lucie’s homes were built
pre-19401970s2020+
8.9%
of Port Saint Lucie homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$102,000
County area median income, 4 people (HUD)HUD area median income, St. Lucie County, 4-person household (2026)
$80,648
Port Saint Lucie median household incomeMedian household income in Port Saint Lucie (Census, 2024)
28 of the 89 programs here set their income limit as a share of St. Lucie County’s area median income, adjusted for household size. See the published limits for St. Lucie County
Free help nearbyFree help near Port Saint Lucie
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Port Saint Lucie’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.St. Lucie County SHIP Purchase Assistance asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Port Saint Lucie questions
Does Port Saint Lucie have its own down payment program?
No program run for Port Saint Lucie alone is listed. A home in Port Saint Lucie can use the 1 program that cover St. Lucie County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Port Saint Lucie?
Port Saint Lucie’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in St. Lucie County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for St. Lucie County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Port Saint Lucie?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Port Saint Lucie. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
34952 · 34953 · 34983 · 34984 · 34985 · 34986 · 34987 · 34988
Nearby in St. Lucie
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.