Mortgage Rates in Port Orange, Florida — March 2026
Updated March 2026 | Based on Port Orange market data and regional lending conditions
Port Orange is a growing city in Florida with a population of 64,023. The current 30-year fixed mortgage rate in Port Orange is 6.68%, which is 0.03% above the national average. With a median home price of $450,000 and a 20% down payment of $90,000, homebuyers can expect a monthly principal and interest payment of approximately $2,318.
Current Mortgage Rates in Port Orange, FL
Below are the current average mortgage rates available in the Port Orange 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 | 6.68% | 6.65% | +0.03% |
| 15-Year Fixed | 5.93% | 5.89% | +0.04% |
| 5/1 ARM | 6.21% | 6.15% | +0.06% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.93% | 6.85% | +0.08% |
Port Orange Housing Market Overview
The Port Orange housing market reflects moderate demand with prices near the national average. The median household income in Port Orange is $53,500, and the cost of living index is 95.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $113,186 to comfortably afford the median-priced home in Port Orange, which exceeds the current median household income.
Monthly Payment Breakdown for Port Orange
Based on the median home price of $450,000 with 20% down ($90,000), here is what you can expect to pay monthly in Port Orange:
15-Year vs. 30-Year Mortgage in Port Orange
Choosing a 15-year mortgage in Port Orange at 5.93% instead of a 30-year at 6.68% would save you $290,160 in total interest over the life of the loan. However, your monthly payment would be $3,024 instead of $2,318 — an increase of $706 per month.
Calculate Your Port Orange 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 Port Orange
What are the current mortgage rates in Port Orange, FL?
As of March 2026, the average 30-year fixed mortgage rate in Port Orange, Florida is 6.68%, while the 15-year fixed rate is 5.93%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.03% above the national average of 6.65%.
How much is a monthly mortgage payment in Port Orange?
Based on the median home price of $450,000 with 20% down, the estimated monthly mortgage payment in Port Orange is $2,318 for principal and interest. Including property taxes of $323/month, the total monthly housing cost is approximately $2,641.
What income do I need to buy a home in Port Orange?
Using the 28% rule, you would need an annual income of approximately $113,186 to afford the median-priced home in Port Orange at $450,000. The median household income in Port Orange is $53,500. This means most households would need to either earn above the median or consider homes below $450,000.
Is Port Orange a good place to buy a home in 2026?
Port Orange offers a below-average cost of living with a cost of living index of 95.8 (national average = 100). The property tax rate in Florida is 0.86%, which is near the national average. Port Orange has a population of 64,023 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Port Orange, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.