Mortgage Rates in Apopka, Florida — March 2026
Updated March 2026 | Based on Apopka market data and regional lending conditions
Apopka is a growing city in Florida with a population of 57,882. The current 30-year fixed mortgage rate in Apopka is 6.68%, which is 0.03% above the national average. With a median home price of $358,000 and a 20% down payment of $71,600, homebuyers can expect a monthly principal and interest payment of approximately $1,844.
Current Mortgage Rates in Apopka, FL
Below are the current average mortgage rates available in the Apopka area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.68% | 6.65% | +0.03% |
| 15-Year Fixed | 5.94% | 5.89% | +0.05% |
| 5/1 ARM | 6.21% | 6.15% | +0.06% |
| FHA | 6.47% | 6.25% | +0.22% |
| VA | 6.22% | 6.05% | +0.17% |
| Jumbo | 6.93% | 6.85% | +0.08% |
Apopka Housing Market Overview
The Apopka housing market reflects moderate demand with prices near the national average. The median household income in Apopka is $60,000, and the cost of living index is 101.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $89,400 to comfortably afford the median-priced home in Apopka, which exceeds the current median household income.
Monthly Payment Breakdown for Apopka
Based on the median home price of $358,000 with 20% down ($71,600), here is what you can expect to pay monthly in Apopka:
15-Year vs. 30-Year Mortgage in Apopka
Choosing a 15-year mortgage in Apopka at 5.94% instead of a 30-year at 6.68% would save you $230,400 in total interest over the life of the loan. However, your monthly payment would be $2,408 instead of $1,844 — an increase of $564 per month.
Calculate Your Apopka Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Apopka
What are the current mortgage rates in Apopka, FL?
As of March 2026, the average 30-year fixed mortgage rate in Apopka, Florida is 6.68%, while the 15-year fixed rate is 5.94%. FHA loans average 6.47% and VA loans 6.22%. These rates are 0.03% above the national average of 6.65%.
How much is a monthly mortgage payment in Apopka?
Based on the median home price of $358,000 with 20% down, the estimated monthly mortgage payment in Apopka is $1,844 for principal and interest. Including property taxes of $242/month, the total monthly housing cost is approximately $2,086.
What income do I need to buy a home in Apopka?
Using the 28% rule, you would need an annual income of approximately $89,400 to afford the median-priced home in Apopka at $358,000. The median household income in Apopka is $60,000. This means most households would need to either earn above the median or consider homes below $358,000.
Is Apopka a good place to buy a home in 2026?
Apopka has a moderate cost of living with a cost of living index of 101.4 (national average = 100). The property tax rate in Florida is 0.81%, which is near the national average. Apopka has a population of 57,882 and offers a balanced lifestyle.
Mortgage Rates in Other Florida Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Apopka, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.