Mortgage Rates in Palm Coast, Florida — March 2026
Updated March 2026 | Based on Palm Coast market data and regional lending conditions
Palm Coast is a growing city in Florida with a population of 91,495. The current 30-year fixed mortgage rate in Palm Coast is 6.82%, which is 0.17% above the national average. With a median home price of $411,000 and a 20% down payment of $82,200, homebuyers can expect a monthly principal and interest payment of approximately $2,148.
Current Mortgage Rates in Palm Coast, FL
Below are the current average mortgage rates available in the Palm Coast 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 | 6.82% | 6.65% | +0.17% |
| 15-Year Fixed | 6.05% | 5.89% | +0.16% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.07% | 6.85% | +0.22% |
Palm Coast Housing Market Overview
The Palm Coast housing market reflects moderate demand with prices near the national average. The median household income in Palm Coast is $58,800, and the cost of living index is 99.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $105,429 to comfortably afford the median-priced home in Palm Coast, which exceeds the current median household income.
Monthly Payment Breakdown for Palm Coast
Based on the median home price of $411,000 with 20% down ($82,200), here is what you can expect to pay monthly in Palm Coast:
15-Year vs. 30-Year Mortgage in Palm Coast
Choosing a 15-year mortgage in Palm Coast at 6.05% instead of a 30-year at 6.82% would save you $272,340 in total interest over the life of the loan. However, your monthly payment would be $2,783 instead of $2,148 — an increase of $635 per month.
Calculate Your Palm Coast 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 Palm Coast
What are the current mortgage rates in Palm Coast, FL?
As of March 2026, the average 30-year fixed mortgage rate in Palm Coast, Florida is 6.82%, while the 15-year fixed rate is 6.05%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.17% above the national average of 6.65%.
How much is a monthly mortgage payment in Palm Coast?
Based on the median home price of $411,000 with 20% down, the estimated monthly mortgage payment in Palm Coast is $2,148 for principal and interest. Including property taxes of $312/month, the total monthly housing cost is approximately $2,460.
What income do I need to buy a home in Palm Coast?
Using the 28% rule, you would need an annual income of approximately $105,429 to afford the median-priced home in Palm Coast at $411,000. The median household income in Palm Coast is $58,800. This means most households would need to either earn above the median or consider homes below $411,000.
Is Palm Coast a good place to buy a home in 2026?
Palm Coast offers a below-average cost of living with a cost of living index of 99.4 (national average = 100). The property tax rate in Florida is 0.91%, which is near the national average. Palm Coast has a population of 91,495 and offers a balanced lifestyle.
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Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Palm Coast, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.