Mortgage Rates in Dunedin, Florida — March 2026
Updated March 2026 | Based on Dunedin market data and regional lending conditions
Dunedin is a growing city in Florida with a population of 36,480. The current 30-year fixed mortgage rate in Dunedin is 6.74%, which is 0.09% above the national average. With a median home price of $405,000 and a 20% down payment of $81,000, homebuyers can expect a monthly principal and interest payment of approximately $2,099.
Current Mortgage Rates in Dunedin, FL
Below are the current average mortgage rates available in the Dunedin 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 | 6.74% | 6.65% | +0.09% |
| 15-Year Fixed | 5.98% | 5.89% | +0.09% |
| 5/1 ARM | 6.24% | 6.15% | +0.09% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.99% | 6.85% | +0.14% |
Dunedin Housing Market Overview
The Dunedin housing market reflects moderate demand with prices near the national average. The median household income in Dunedin is $60,700, and the cost of living index is 101.7 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $101,657 to comfortably afford the median-priced home in Dunedin, which exceeds the current median household income.
Monthly Payment Breakdown for Dunedin
Based on the median home price of $405,000 with 20% down ($81,000), here is what you can expect to pay monthly in Dunedin:
15-Year vs. 30-Year Mortgage in Dunedin
Choosing a 15-year mortgage in Dunedin at 5.98% instead of a 30-year at 6.74% would save you $264,060 in total interest over the life of the loan. However, your monthly payment would be $2,731 instead of $2,099 — an increase of $632 per month.
Calculate Your Dunedin 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 Dunedin
What are the current mortgage rates in Dunedin, FL?
As of March 2026, the average 30-year fixed mortgage rate in Dunedin, Florida is 6.74%, while the 15-year fixed rate is 5.98%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.09% above the national average of 6.65%.
How much is a monthly mortgage payment in Dunedin?
Based on the median home price of $405,000 with 20% down, the estimated monthly mortgage payment in Dunedin is $2,099 for principal and interest. Including property taxes of $273/month, the total monthly housing cost is approximately $2,372.
What income do I need to buy a home in Dunedin?
Using the 28% rule, you would need an annual income of approximately $101,657 to afford the median-priced home in Dunedin at $405,000. The median household income in Dunedin is $60,700. This means most households would need to either earn above the median or consider homes below $405,000.
Is Dunedin a good place to buy a home in 2026?
Dunedin has a moderate cost of living with a cost of living index of 101.7 (national average = 100). The property tax rate in Florida is 0.81%, which is near the national average. Dunedin has a population of 36,480 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 Dunedin, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.