Published October 4, 2026 in Market Update

Team Coley: One part of Fort Pierce is moving faster even with lower prices

By Jason Coley

Real estate, Fort Pierce / St. Lucie County

Team Coley has been watching this market for twenty years. The number that stands out right now is in ZIP 34981. The Real Estate Data Aggregator counted pending sales up 53.3% in the three months ending July 31, 2026. That is the biggest pending-sales jump in this market. It tells you buyers are still moving, even with rates over 7%.

Realtor.com reported that mortgage rates topped 7% in September 2026, the first time since January 2025. That slows a lot of markets. ZIP 34981 moved the other way on pending sales. Pricing and prep are doing the work.

ZIP 34981: Fast contracts, lower price

The Real Estate Data Aggregator put the median sale price in ZIP 34981 at $300,000 for the three months ending July 31, 2026. That is down 17.1% from the same months of 2025. Prices dipped. Sales did not stop.

The Real Estate Data Aggregator found that 26.1% of homes in ZIP 34981 went under contract within two weeks of listing. That is up 19.4 points from a year ago. Nearly 1 in 4 homes is not sitting long. That share is the highest in this market.

The Real Estate Data Aggregator also put the average sale-to-list ratio in ZIP 34981 at 99.7%. That is up 2.6 points from a year ago. Sellers there are getting very close to their asking price. And 17.7% of homes sold above list, up 11 points from a year ago.

How the other ZIP codes compared

Not every part of Fort Pierce moved the same way. Some ZIPs saw longer days on market and falling pending sales. The Real Estate Data Aggregator counted 134 median days on market in ZIP 34949 and 9.1 months of supply. ZIP 34947 added 2.6 months of supply from a year ago. Those are real differences from ZIP 34981.

ZIP 34946 had the shortest median days on market at 54, per the Real Estate Data Aggregator. ZIP 34982 saw homes sold up 21.1% and pending sales up 11.6%. That ZIP also had the tightest supply at 4.1 months. Several parts of this market are still moving. They just read differently from each other.

What rates are doing nationally

Realtor.com reported that mortgage rates topped 7% in September 2026. CNBC put the average contract rate for 30-year fixed conforming loans at 7.30% as of September 30, 2026. Realtor.com also reported that 20.8% of listings nationally took a price cut in September 2026, the highest share since October 2022. That is the backdrop. Fort Pierce is not immune to it.

The Federal Housing Finance Agency reported U.S. house prices rose 2.6% from July 2025 to July 2026. Local prices in most Fort Pierce ZIPs moved down over that same window. The national trend and the local trend are not the same thing right now.

One street can read very differently from the whole ZIP code. The numbers above cover broad areas. Your block may be faster or slower than the ZIP says. I am grateful you read this far.