ZIP Code 34946 — Fort Pierce North CDP, FL Demographics & Data

ZIP code 34946 covers Fort Pierce North, FL in St. Lucie County with a population of about 6,588.

At a glance, the area shows median age of 39.0 (near the U.S. median).

It sits in telephone area code 772; U.S. House district FL-21; the WEST PALM BEACH - FT. PIERCE media market.

Fort Pierce North, FL reads as a military / base-oriented community on US5’s intent model (base-related place names in city/county context). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 34946 is about $40,488 — about 46% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.1%; unemployment rate near 4.5%; 13.8% of adults with a bachelor’s degree or higher (about 19.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Food services, and Education; about 3.9% of workers reporting work-from-home (about 11.3 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $128,100 — about 63% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $796 (about 32% below the U.S. median rent ($1,163)), and owner-occupancy near 58.8% (about 6.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34946 in Fort Pierce North, FL, a household would need roughly $35,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $823. That sits below the local median household income ($40,488), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Fort Pierce North CDP, FL as Relatively High (composite score 96.1), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.2) and flood (89.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Fort Pierce North CDP, FL show little to no average snow and around 51.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 295 for ZIP 34946 (Fort Pierce North CDP, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.