Mortgage Rates in Jensen Beach, Florida — March 2026
Updated March 2026 | Based on Jensen Beach market data and regional lending conditions
Jensen Beach is a growing city in Florida with a population of 13,713. The current 30-year fixed mortgage rate in Jensen Beach is 6.64%, which is 0.01% below the national average. With a median home price of $351,000 and a 20% down payment of $70,200, homebuyers can expect a monthly principal and interest payment of approximately $1,801.
Current Mortgage Rates in Jensen Beach, FL
Below are the current average mortgage rates available in the Jensen Beach 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 | 6.64% | 6.65% | -0.01% |
| 15-Year Fixed | 5.9% | 5.89% | +0.01% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.89% | 6.85% | +0.04% |
Jensen Beach Housing Market Overview
The Jensen Beach housing market reflects moderate demand with prices near the national average. The median household income in Jensen Beach is $53,800, and the cost of living index is 92.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $87,214 to comfortably afford the median-priced home in Jensen Beach, which exceeds the current median household income.
Monthly Payment Breakdown for Jensen Beach
Based on the median home price of $351,000 with 20% down ($70,200), here is what you can expect to pay monthly in Jensen Beach:
15-Year vs. 30-Year Mortgage in Jensen Beach
Choosing a 15-year mortgage in Jensen Beach at 5.9% instead of a 30-year at 6.64% would save you $224,640 in total interest over the life of the loan. However, your monthly payment would be $2,354 instead of $1,801 — an increase of $553 per month.
Calculate Your Jensen Beach 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 Jensen Beach
What are the current mortgage rates in Jensen Beach, FL?
As of March 2026, the average 30-year fixed mortgage rate in Jensen Beach, Florida is 6.64%, while the 15-year fixed rate is 5.9%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.01% below the national average of 6.65%.
How much is a monthly mortgage payment in Jensen Beach?
Based on the median home price of $351,000 with 20% down, the estimated monthly mortgage payment in Jensen Beach is $1,801 for principal and interest. Including property taxes of $234/month, the total monthly housing cost is approximately $2,035.
What income do I need to buy a home in Jensen Beach?
Using the 28% rule, you would need an annual income of approximately $87,214 to afford the median-priced home in Jensen Beach at $351,000. The median household income in Jensen Beach is $53,800. This means most households would need to either earn above the median or consider homes below $351,000.
Is Jensen Beach a good place to buy a home in 2026?
Jensen Beach offers a below-average cost of living with a cost of living index of 92.8 (national average = 100). The property tax rate in Florida is 0.8%, which is below the national average. Jensen Beach has a population of 13,713 and offers a very affordable lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Jensen Beach, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.