Mortgage Rates in Country Club, Florida — April 2026
Updated April 2026 | Based on Country Club market data and regional lending conditions
With a population of 50,427, Country Club, Florida offers a cost of living close to the national average. The current 30-year fixed rate here is 6.6% (0.51% above the national average). The median home price of $372,000 translates to roughly $2,158/month with 20% down — requiring an income of about $92,486, which exceeds the local median of $55,500.
Whether you call it a 30-year mortgage, 30-year home loan, 30-year house loan, or 30-year mortgage loan, the underlying product is the same: a fixed-rate amortizing loan paid over 360 months. In Country Club, FL, the current 30-year rate is 6.6%. Shorter terms (15-year fixed at 5.87% or 20-year fixed, typically priced between the 15- and 30-year) reduce total interest paid but increase monthly payments — see our 15-year vs 30-year comparison for the math. Government-backed options include FHA loans (6.43%) and VA loans (6.18%), often available at lower rates with reduced down payment requirements.
Current Mortgage Rates in Country Club, FL
Below are the current average mortgage rates available in the Country Club area as of April 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% | 6.09% | +0.51% |
| 15-Year Fixed | 5.87% | 5.58% | +0.29% |
| 5/1 ARM | 6.16% | 5.95% | +0.21% |
| FHA | 6.43% | 5.85% | +0.58% |
| VA | 6.18% | 5.65% | +0.53% |
| Jumbo | 6.85% | 6.25% | +0.6% |
Country Club Housing Market Overview
Housing in Country Club sits near the national average at $372,000. With a median household income of $55,500 and a cost of living index of 106.3, some buyers may need to look at lower price points or consider larger down payments.
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 April 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 0.51% above the national average of 6.09%.
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
Related Tools & Guides
📊 Sources & Methodology
- 30-yr/15-yr fixed rates: Freddie Mac Primary Mortgage Market Survey (PMMS), weekly national average adjusted for Florida regional spread.
- Median home price: $372,000 sourced from Redfin / Zillow real estate listings (2026 data).
- Property tax rate: 0.83% effective rate per Tax Foundation 2026 state property tax data.
- Median household income: $55,500 per US Census Bureau ACS 5-year estimate.
- Calculations: standard amortization formula M = P[r(1+r)^n] / [(1+r)^n − 1], with r = monthly rate, n = 360 months, P = loan amount (80% of home price).
Last updated: April 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.