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Updated: December 2, 2024

2025 Mortgage Loan Limits: St. Lucie County, Florida

Property Type2025 Loan Limit
1-Unit Homes$806,500
2-Unit Homes$1,032,650
3-Unit Homes$1,248,150
4-Unit Homes$1,551,250

Source: Federal Housing Finance Agency; Federal Housing Administration

St. Lucie County, Florida, mortgage loan limits apply in:

St. Lucie County 2025 mortgage loan limits include the following cities: Fort Pierce, Fort Pierce North, Fort Pierce South, Hutchinson Island South, Indian River Estates, Lakewood Park, Port St. Lucie, River Park, St. Lucie Village, White City

Historical Charts: Mortgage Loan Limits in St. Lucie County, Florida

Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in St. Lucie County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.

Mortgage Statistics from St. Lucie County, Florida

Mortgage statistics for St. Lucie County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.

MortgagesTotal
Purchase Mortgages (2018-2023)38955
Loan TypeRelative Share
Conventional59.40%
FHA31.65%
VA8.87%
USDA0.08%
Property TypeRelative Share
1-Unit Homes99.71%
2-Unit Homes0.22%
3-Unit Homes0.04%
4-Unit Homes0.02%
Borrower StatusRelative Share
One Applicant55.66%
Two or More Applicants44.34%
GenderRelative Share
Male34.40%
Female24.03%
Joint Sex37.22%
Not Available4.36%
RaceRelative Share
American Indian / Alaska Native0.33%
Asian1.68%
Black / African American18.85%
Native Hawaiian / Other Pacific Islander0.18%
White64.03%
Mixed Race2.00%
Other Race12.93%
EthnicityRelative Share
Hispanic or Latino18.48%
Not Hispanic or Latino66.04%
Joint Ethnicity3.57%
Other Ethnicity11.92%

St. Lucie County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits Near St. Lucie County, Florida

Get 2025 conforming and FHA mortgage loan limits for the areas surrounding St. Lucie County, Florida. Local loan limits and county-level mortgage data updated regularly.

View Nearby Counties:

Indian River County

View Loan Limits →

Okeechobee County

View Loan Limits →

St. Lucie County

View Loan Limits →

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