Mortgage Rates in Country Club, Florida — March 2026
Updated March 2026 | Based on Country Club market data and regional lending conditions
Country Club is a growing city in Florida with a population of 50,427. The current 30-year fixed mortgage rate in Country Club is 6.6%, which is 0.05% below the national average. With a median home price of $372,000 and a 20% down payment of $74,400, homebuyers can expect a monthly principal and interest payment of approximately $1,901.
Current Mortgage Rates in Country Club, FL
Below are the current average mortgage rates available in the Country Club 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 | 6.6% | 6.65% | -0.05% |
| 15-Year Fixed | 5.87% | 5.89% | -0.02% |
| 5/1 ARM | 6.16% | 6.15% | +0.01% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.85% | 6.85% | 0% |
Country Club Housing Market Overview
The Country Club housing market reflects moderate demand with prices near the national average. The median household income in Country Club is $55,500, and the cost of living index is 106.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $92,486 to comfortably afford the median-priced home in Country Club, which exceeds the current median household income.
Monthly Payment Breakdown for Country Club
Based on the median home price of $372,000 with 20% down ($74,400), here is what you can expect to pay monthly in Country Club:
15-Year vs. 30-Year Mortgage in Country Club
Choosing a 15-year mortgage in Country Club at 5.87% instead of a 30-year at 6.6% would save you $236,160 in total interest over the life of the loan. However, your monthly payment would be $2,490 instead of $1,901 — an increase of $589 per month.
Calculate Your Country Club Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Country Club
What are the current mortgage rates in Country Club, FL?
As of March 2026, the average 30-year fixed mortgage rate in Country Club, Florida is 6.6%, while the 15-year fixed rate is 5.87%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.05% below the national average of 6.65%.
How much is a monthly mortgage payment in Country Club?
Based on the median home price of $372,000 with 20% down, the estimated monthly mortgage payment in Country Club is $1,901 for principal and interest. Including property taxes of $257/month, the total monthly housing cost is approximately $2,158.
What income do I need to buy a home in Country Club?
Using the 28% rule, you would need an annual income of approximately $92,486 to afford the median-priced home in Country Club at $372,000. The median household income in Country Club is $55,500. This means most households would need to either earn above the median or consider homes below $372,000.
Is Country Club a good place to buy a home in 2026?
Country Club has a moderate cost of living with a cost of living index of 106.3 (national average = 100). The property tax rate in Florida is 0.83%, which is near the national average. Country Club has a population of 50,427 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 Country Club, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.