34945 Property Tax Rate
Fort Pierce, Florida · Part of St. Lucie County
Effective Tax Rate
1.16%
25.6% above state avgMedian Annual Tax
$3,323
$277/mo escrow
Estimate Your Tax
Annual Tax
$3,323
Monthly
$277
Eff. Rate
1.16%
Buyer decision brief
What ZIP 34945 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$277/mo
Based on median annual tax paid
State context
0.40 percentage points above the Florida average
Florida average: 0.76%
Data confidence
Moderate confidenceThe Census margin of error is $679, about 20% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with St. Lucie County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 34945 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Moderate ACS confidence
$679 tax MOE, 20% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
St. Lucie County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 34945
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $285,500, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.16%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Florida and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $277 per month before insurance, HOA dues, or special assessments.
Assessor verification
St. Lucie County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 34945 Compares
Median Annual Property Tax
ZIP 34945
1.16%
Effective rate
Florida Avg
0.76%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Florida
Higher than 98% of ZIP codes in Florida(98th percentile, 928 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 34945
Property owners in ZIP code 34945 (Fort Pierce, Florida) pay a median of $3,323/year in property taxes on homes valued at $285,500. This translates to an effective tax rate of 1.16%, which is 52% above the Florida state average of 0.76%.
The monthly property tax burden for a median-valued home in 34945 is approximately $277, which factors into escrow payments on mortgages. This ZIP code is located within St. Lucie County. This is $678 more than the Florida average of $2,645/year.
Compared to similar ZIP codes in Florida, 34945 has lower property taxes. ZIP codes with similar effective rates include 33137 (1.16%) and 33570 (1.16%).
In Fort Pierce, property taxes represent approximately 4.6% of the median household income of $72,941, providing context for the relative tax burden on homeowners in this area.
Under Florida's Save Our Homes Act, your property assessment is reassessed at market value upon sale, then capped at 3% annual growth once homestead is filed. St. Lucie County provides a $25,000 homestead exemption plus an additional $25,000 exemption on non-school taxes for primary residences — file with the St. Lucie County Property Appraiser by March 1 following purchase. Apply for homestead exemption at the St. Lucie County Property Appraiser's office within 30 days of closing to lock in the 3% annual assessment cap.
Frequently Asked Questions
What is the property tax rate in ZIP code 34945?
How much are property taxes in Fort Pierce, FL (34945)?
How does ZIP 34945 compare to the Florida average?
What is the median home value in ZIP 34945?
What county is ZIP code 34945 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$679. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 34945 is part of St. Lucie County, Florida. View the full county profile for broader context and more data.
View St. Lucie County on TaxByCounty →Explore Fort Pierce, FL
View all 8 ZIP codes in Fort Pierce with property tax comparisons.
View Fort Pierce Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 34945
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
34981
Fort Pierce, FL
0.64 percentage points lower than ZIP 34945.
Rate
0.53%
Tax
$1,949
Quality
86
34950
Fort Pierce, FL
0.53 percentage points lower than ZIP 34945.
Rate
0.63%
Tax
$1,107
Quality
96
34947
Fort Pierce, FL
0.51 percentage points lower than ZIP 34945.
Rate
0.65%
Tax
$1,322
Quality
96
34951
Fort Pierce, FL
0.44 percentage points lower than ZIP 34945.
Rate
0.72%
Tax
$1,652
Quality
96
34982
Fort Pierce, FL
0.36 percentage points lower than ZIP 34945.
Rate
0.80%
Tax
$1,834
Quality
101
34946
Fort Pierce, FL
0.18 percentage points lower than ZIP 34945.
Rate
0.99%
Tax
$1,266
Quality
101
34949
Fort Pierce, FL
0.03 percentage points lower than ZIP 34945.
Rate
1.13%
Tax
$4,843
Quality
101
34983
Port Saint Lucie, FL
0.28 percentage points lower than ZIP 34945.
Rate
0.89%
Tax
$2,605
Quality
101
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.