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FHA loans in Lakewood Park, FL

Quick answer

The 2026 FHA loan limit in Lakewood Park, FL (St. Lucie County) is $603,750 for a single-family home, enough for a purchase price up to about $625,000 with 3.5% down. On the $252,900 median home value, that down payment is about $8,852 and the estimated payment is $2,191/month at 7.18%, which needs roughly $94,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $64,848; value-to-income ratio 3.90. Lakewood Park ranks 263 by home value and 269 by population among 343 places in our FL dataset.

What does an FHA loan cost on a typical Lakewood Park home?

ItemLakewood Park
Median home value (Census ACS)$252,900
Florida median home value$325,000
Down payment (3.5%)$8,852
Loan incl. 1.75% upfront MIP$248,319
Estimated monthly payment (PITI + MI)$2,191
Income needed (28% / 36%)$94,000 / $74,000
St. Lucie County 2026 FHA limit (1 unit)$603,750
Max purchase price at the limit$625,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Florida's 0.79% effective property tax rate (Census ACS), $2,779/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Lakewood Park?

Lakewood Park is in St. Lucie County where HUD's 2026 one-unit FHA limit is $603,750. With the minimum 3.5% down, that caps the purchase price at about $625,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Lakewood Park median home value of $252,900 is 22% below the Florida median, and within what the county limit supports.

Which down payment assistance programs can Lakewood Park buyers use?

FHA loans in nearby cities

Florida RidgeVero Beach SouthVero BeachFort PierceWest Vero CorridorPort St. Lucie

FHA loan FAQs for Lakewood Park

Lakewood Park is in St. Lucie County, where HUD's 2026 FHA limit for a one-unit home is $603,750. With 3.5% down, that supports a purchase price up to about $625,000.

3.5% of $252,900 is about $8,852 with a 580+ credit score (10%, or $25,290, with a 500–579 score), plus closing costs.

At the $252,900 median value (below the Florida median of $325,000), the estimated payment of $2,191/month at 7.18% needs about $94,000 a year under the 28% housing guideline, or $74,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.