ZIP CODE 34953 // PORT ST. LUCIE, FL // DATA AS OF 2026-09-30
Port Saint Lucie, FL (34953) Rental Property Cap Rate & Cash Flow Report
Located in Saint Lucie County (Port Saint Lucie, FL), Zip Code 34953 ranks #30 of 500 within this selected sample (94th percentile) with a Zillow ZHVI typical home-value index of $398,028 (-0.1% YoY) and a ZORI observed market rent of $2,551/mo (+2.0% YoY). Requires at least 28.8% down payment at 6.5% interest to reach $0/mo break-even cash flow. This model combines different housing populations; it is not an observed average property return. Costs assume state-average tax, 0.5% annual insurance, 13% reserves and no HOA or management. Figures below follow your edits; this headline describes the original benchmark.
Net Monthly Cash Flow
-$221/mo
Annual: -$2,653/yr
Modeled Cap Rate
5.40%
NOI: $21,498/yr
Cash-on-Cash Return
-2.90%
Cash Needed: $91,546
1% Rule Ratio
0.64%
Gross Yield: 7.69%
Break-Even Rent
$2,805/mo
State Tax: 0.79%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 34953 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (FL Avg 0.79%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,013/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$759/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (34953)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2022 | $416,169 | $2,296/mo | 6.62% |
| 2023 | $403,298 | $2,399/mo | 7.14% |
| 2024 | $413,590 | $2,431/mo | 7.05% |
| 2025 | $398,596 | $2,501/mo | 7.53% |
| 2026 | $398,028 | $2,551/mo | 7.69% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 32822 Orlando, FL | $258,437 | $1,653/mo | 5.39% | -$147/mo |
| 33025 Miramar, FL | $388,027 | $2,450/mo | 5.30% | -$248/mo |
| 33311 Fort Lauderdale, FL | $363,199 | $2,379/mo | 5.55% | -$157/mo |
| 32244 Jacksonville, FL | $254,345 | $1,594/mo | 5.25% | -$173/mo |
| 32210 Jacksonville, FL | $220,477 | $1,375/mo | 5.22% | -$156/mo |
| 33463 Greenacres, FL | $385,898 | $2,546/mo | 5.60% | -$151/mo |