Mortgage Rates in Pinecrest, Florida — March 2026
Updated March 2026 | Based on Pinecrest market data and regional lending conditions
Pinecrest is a growing city in Florida with a population of 19,674. The current 30-year fixed mortgage rate in Pinecrest is 6.73%, which is 0.08% above the national average. With a median home price of $391,000 and a 20% down payment of $78,200, homebuyers can expect a monthly principal and interest payment of approximately $2,025.
Current Mortgage Rates in Pinecrest, FL
Below are the current average mortgage rates available in the Pinecrest 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 | 6.73% | 6.65% | +0.08% |
| 15-Year Fixed | 5.97% | 5.89% | +0.08% |
| 5/1 ARM | 6.24% | 6.15% | +0.09% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.98% | 6.85% | +0.13% |
Pinecrest Housing Market Overview
The Pinecrest housing market reflects moderate demand with prices near the national average. The median household income in Pinecrest is $51,000, and the cost of living index is 96.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $98,914 to comfortably afford the median-priced home in Pinecrest, which exceeds the current median household income.
Monthly Payment Breakdown for Pinecrest
Based on the median home price of $391,000 with 20% down ($78,200), here is what you can expect to pay monthly in Pinecrest:
15-Year vs. 30-Year Mortgage in Pinecrest
Choosing a 15-year mortgage in Pinecrest at 5.97% instead of a 30-year at 6.73% would save you $254,700 in total interest over the life of the loan. However, your monthly payment would be $2,635 instead of $2,025 — an increase of $610 per month.
Calculate Your Pinecrest Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Pinecrest
What are the current mortgage rates in Pinecrest, FL?
As of March 2026, the average 30-year fixed mortgage rate in Pinecrest, Florida is 6.73%, while the 15-year fixed rate is 5.97%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.08% above the national average of 6.65%.
How much is a monthly mortgage payment in Pinecrest?
Based on the median home price of $391,000 with 20% down, the estimated monthly mortgage payment in Pinecrest is $2,025 for principal and interest. Including property taxes of $283/month, the total monthly housing cost is approximately $2,308.
What income do I need to buy a home in Pinecrest?
Using the 28% rule, you would need an annual income of approximately $98,914 to afford the median-priced home in Pinecrest at $391,000. The median household income in Pinecrest is $51,000. This means most households would need to either earn above the median or consider homes below $391,000.
Is Pinecrest a good place to buy a home in 2026?
Pinecrest offers a below-average cost of living with a cost of living index of 96.3 (national average = 100). The property tax rate in Florida is 0.87%, which is near the national average. Pinecrest has a population of 19,674 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Pinecrest, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.