Mortgage Rates in Kissimmee, Florida — March 2026
Updated March 2026 | Based on Kissimmee market data and regional lending conditions
Kissimmee is a growing city in Florida with a population of 79,226. The current 30-year fixed mortgage rate in Kissimmee is 6.67%, which is 0.02% above the national average. With a median home price of $315,000 and a 20% down payment of $63,000, homebuyers can expect a monthly principal and interest payment of approximately $1,621.
Current Mortgage Rates in Kissimmee, FL
Below are the current average mortgage rates available in the Kissimmee 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 | 6.67% | 6.65% | +0.02% |
| 15-Year Fixed | 5.91% | 5.89% | +0.02% |
| 5/1 ARM | 6.17% | 6.15% | +0.02% |
| FHA | 6.27% | 6.25% | +0.02% |
| VA | 6.07% | 6.05% | +0.02% |
| Jumbo | 6.87% | 6.85% | +0.02% |
Kissimmee Housing Market Overview
The Kissimmee housing market reflects moderate demand with prices near the national average. The median household income in Kissimmee is $42,250, and the cost of living index is 95.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $79,157 to comfortably afford the median-priced home in Kissimmee, which exceeds the current median household income.
Monthly Payment Breakdown for Kissimmee
Based on the median home price of $315,000 with 20% down ($63,000), here is what you can expect to pay monthly in Kissimmee:
15-Year vs. 30-Year Mortgage in Kissimmee
Choosing a 15-year mortgage in Kissimmee at 5.91% instead of a 30-year at 6.67% would save you $203,040 in total interest over the life of the loan. However, your monthly payment would be $2,114 instead of $1,621 — an increase of $493 per month.
Calculate Your Kissimmee Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Kissimmee
What are the current mortgage rates in Kissimmee, FL?
As of March 2026, the average 30-year fixed mortgage rate in Kissimmee, Florida is 6.67%, while the 15-year fixed rate is 5.91%. FHA loans average 6.27% and VA loans 6.07%. These rates are 0.02% above the national average of 6.65%.
How much is a monthly mortgage payment in Kissimmee?
Based on the median home price of $315,000 with 20% down, the estimated monthly mortgage payment in Kissimmee is $1,621 for principal and interest. Including property taxes of $226/month, the total monthly housing cost is approximately $1,847.
What income do I need to buy a home in Kissimmee?
Using the 28% rule, you would need an annual income of approximately $79,157 to afford the median-priced home in Kissimmee at $315,000. The median household income in Kissimmee is $42,250. This means most households would need to either earn above the median or consider homes below $315,000.
Is Kissimmee a good place to buy a home in 2026?
Kissimmee offers a below-average cost of living with a cost of living index of 95.5 (national average = 100). The property tax rate in Florida is 0.86%, which is near the national average. Kissimmee has a population of 79,226 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Kissimmee, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.