Mortgage Rates in Florida — April 2026
Compare current mortgage rates across 189 cities in Florida. The average 30-year fixed rate is 6.72%, which is 0.63% above the national average of 6.09%.
6.72%
Avg 30-Year Fixed
5.96%
Avg 15-Year Fixed
$379,397
Avg Home Price
$1,962/mo
Avg Monthly Payment
Florida Housing Highlights
All 189 Cities in Florida
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Jacksonville | 6.67% | $289,000 | $1,487 | 949,611 |
| Miami | 6.67% | $555,000 | $2,856 | 442,241 |
| Tampa | 6.67% | $385,000 | $1,981 | 384,959 |
| Orlando | 6.67% | $375,000 | $1,930 | 307,573 |
| St. Petersburg | 6.67% | $355,000 | $1,827 | 258,308 |
| Hialeah | 6.67% | $425,000 | $2,187 | 223,109 |
| Port St. Lucie | 6.67% | $345,000 | $1,775 | 204,851 |
| Tallahassee | 6.67% | $265,000 | $1,364 | 196,169 |
| Cape Coral | 6.67% | $365,000 | $1,878 | 194,016 |
| Fort Lauderdale | 6.67% | $465,000 | $2,393 | 182,760 |
| Pembroke Pines | 6.67% | $445,000 | $2,290 | 171,178 |
| Hollywood | 6.61% | $385,000 | $1,969 | 153,067 |
| Gainesville | 6.67% | $285,000 | $1,467 | 141,085 |
| Miramar | 6.67% | $435,000 | $2,239 | 140,823 |
| Coral Springs | 6.67% | $445,000 | $2,290 | 134,394 |
| Lehigh Acres | 6.68% | $407,000 | $2,097 | 129,000 |
| Palm Bay | 6.67% | $295,000 | $1,518 | 119,760 |
| Clearwater | 6.67% | $325,000 | $1,673 | 117,495 |
| West Palm Beach | 6.67% | $395,000 | $2,033 | 117,415 |
| Brandon | 6.68% | $460,000 | $2,370 | 115,911 |
| Spring Hill | 6.73% | $488,000 | $2,527 | 113,742 |
| Lakeland | 6.67% | $275,000 | $1,415 | 112,641 |
| Pompano Beach | 6.67% | $385,000 | $1,981 | 112,118 |
| Miami Gardens | 6.88% | $439,000 | $2,308 | 111,640 |
| Davie | 6.62% | $479,000 | $2,452 | 105,691 |
| Boca Raton | 6.67% | $525,000 | $2,702 | 99,805 |
| Sunrise | 6.84% | $417,000 | $2,184 | 97,335 |
| Riverview | 6.9% | $443,000 | $2,334 | 95,491 |
| Deltona | 6.67% | $295,000 | $1,518 | 95,027 |
| Plantation | 6.66% | $412,000 | $2,118 | 94,580 |
| Fort Myers | 6.73% | $403,000 | $2,087 | 92,245 |
| Palm Coast | 6.82% | $411,000 | $2,148 | 91,495 |
| Melbourne | 6.67% | $295,000 | $1,518 | 86,069 |
| Largo | 6.85% | $443,000 | $2,322 | 84,948 |
| Miami Beach | 6.77% | $367,000 | $1,908 | 82,890 |
| Deerfield Beach | 6.84% | $399,000 | $2,089 | 80,990 |
| Boynton Beach | 6.84% | $377,000 | $1,974 | 80,380 |
| Homestead | 6.62% | $394,000 | $2,017 | 80,104 |
| Kissimmee | 6.67% | $315,000 | $1,621 | 79,226 |
| Poinciana | 6.87% | $381,000 | $2,001 | 78,452 |
| Kendall | 6.81% | $394,000 | $2,057 | 77,228 |
| Doral | 6.87% | $430,000 | $2,259 | 76,898 |
| North Port | 6.79% | $380,000 | $1,980 | 74,793 |
| Lauderhill | 6.66% | $376,000 | $1,933 | 74,292 |
| Daytona Beach | 6.67% | $245,000 | $1,261 | 72,614 |
| Tamarac | 6.8% | $387,000 | $2,018 | 71,789 |
| Weston | 6.71% | $401,000 | $2,072 | 70,954 |
| Ocala | 6.72% | $365,000 | $1,888 | 65,919 |
| Jupiter | 6.79% | $404,000 | $2,105 | 65,791 |
| Palm Harbor | 6.88% | $375,000 | $1,972 | 65,488 |
| Wesley Chapel | 6.8% | $387,000 | $2,018 | 64,537 |
| Port Orange | 6.68% | $450,000 | $2,318 | 64,023 |
| Port Charlotte | 6.8% | $369,000 | $1,924 | 62,771 |
| Horizon West | 6.66% | $408,000 | $2,098 | 62,675 |
| Sanford | 6.82% | $436,000 | $2,279 | 62,584 |
| North Miami | 6.78% | $438,000 | $2,280 | 62,468 |
| Coconut Creek | 6.83% | $357,000 | $1,868 | 60,935 |
| Palm Beach Gardens | 6.69% | $359,000 | $1,851 | 59,783 |
| Bradenton | 6.64% | $425,000 | $2,180 | 59,305 |
| Margate | 6.65% | $424,000 | $2,178 | 58,889 |
| St. Cloud | 6.79% | $427,000 | $2,225 | 58,511 |
| Bonita Springs | 6.88% | $452,000 | $2,377 | 57,961 |
| Apopka | 6.68% | $358,000 | $1,844 | 57,882 |
| Sarasota | 6.79% | $358,000 | $1,865 | 57,787 |
| Kendale Lakes | 6.85% | $442,000 | $2,317 | 56,148 |
| Pensacola | 6.67% | $235,000 | $1,209 | 54,312 |
| Pinellas Park | 6.82% | $386,000 | $2,017 | 53,637 |
| Winter Garden | 6.61% | $388,000 | $1,984 | 52,073 |
| The Villages | 6.6% | $382,000 | $1,952 | 51,442 |
| Ocoee | 6.78% | $440,000 | $2,290 | 50,615 |
| Country Club | 6.6% | $372,000 | $1,901 | 50,427 |
| Titusville | 6.67% | $353,000 | $1,817 | 49,775 |
| Casselberry | 6.75% | $430,000 | $2,231 | 49,682 |
| Winter Haven | 6.82% | $351,000 | $1,834 | 48,437 |
| Fort Pierce | 6.67% | $367,000 | $1,889 | 46,118 |
| Oviedo | 6.84% | $415,000 | $2,173 | 46,010 |
| Cutler Bay | 6.77% | $336,000 | $1,747 | 45,543 |
| Altamonte Springs | 6.68% | $387,000 | $1,994 | 44,875 |
| Ormond Beach | 6.63% | $342,000 | $1,753 | 44,372 |
| North Lauderdale | 6.63% | $420,000 | $2,153 | 44,230 |
| Oakland Park | 6.87% | $418,000 | $2,196 | 44,132 |
| North Miami Beach | 6.8% | $408,000 | $2,128 | 44,030 |
| Clermont | 6.61% | $385,000 | $1,970 | 43,021 |
| North Fort Myers | 6.68% | $393,000 | $2,025 | 42,883 |
| Indiantown | 6.73% | $445,000 | $2,304 | 42,673 |
| Royal Palm Beach | 6.61% | $406,000 | $2,077 | 41,487 |
| Lake Park | 6.73% | $340,000 | $1,761 | 41,423 |
| Greenacres | 6.77% | $420,000 | $2,184 | 41,279 |
| Navarre | 6.63% | $392,000 | $2,009 | 40,524 |
| Aventura | 6.78% | $363,000 | $1,889 | 40,242 |
| Hallandale Beach | 6.76% | $397,000 | $2,062 | 40,170 |
| Valrico | 6.72% | $373,000 | $1,929 | 40,161 |
| Plant City | 6.76% | $341,000 | $1,771 | 40,121 |
| Lake Worth Beach | 6.71% | $384,000 | $1,984 | 39,552 |
| Deland | 6.73% | $295,000 | $1,527 | 39,316 |
| Palm Beach | 6.61% | $400,000 | $2,046 | 39,140 |
| Land O Lakes | 6.69% | $367,000 | $1,893 | 38,111 |
| Riviera Beach | 6.89% | $346,000 | $1,821 | 37,449 |
| Mexico Beach | 6.88% | $330,000 | $1,735 | 37,112 |
| Winter Springs | 6.61% | $401,000 | $2,051 | 37,072 |
| Lauderdale Lakes | 6.81% | $352,000 | $1,838 | 36,710 |
| Panama City | 6.04% | $260,000 | $1,252 | 36,484 |
| Dunedin | 6.74% | $405,000 | $2,099 | 36,480 |
| Cooper City | 6.78% | $344,000 | $1,790 | 35,800 |
| Lockhart | 6.71% | $340,000 | $1,757 | 34,498 |
| University | 6.73% | $357,000 | $1,849 | 34,413 |
| Estero | 6.83% | $381,000 | $1,993 | 33,687 |
| Pomona Park | 6.7% | $220,000 | $1,136 | 33,389 |
| Memphis | 6.78% | $350,000 | $1,822 | 32,464 |
| Port Salerno | 6.61% | $380,000 | $1,944 | 32,083 |
| Miami Lakes | 6.77% | $392,000 | $2,038 | 31,798 |
| Dania Beach | 6.77% | $349,000 | $1,815 | 31,723 |
| Haines City | 6.87% | $345,000 | $1,812 | 31,031 |
| Winter Park | 6.61% | $350,000 | $1,790 | 30,825 |
| University Park | 6.77% | $300,000 | $1,560 | 30,422 |
| Golden Gate | 6.64% | $361,000 | $1,852 | 30,228 |
| Immokalee | 6.83% | $377,000 | $1,972 | 28,793 |
| New Smyrna Beach | 6.27% | $395,000 | $1,950 | 28,476 |
| Palm Springs | 6.84% | $366,000 | $1,917 | 28,220 |
| Temple Terrace | 6.68% | $421,000 | $2,169 | 28,125 |
| Edgewater | 6.88% | $362,000 | $1,903 | 27,860 |
| Bunnell | 6.61% | $345,000 | $1,765 | 27,834 |
| Crestview | 6.83% | $407,000 | $2,129 | 27,452 |
| Leesburg | 6.8% | $416,000 | $2,170 | 27,360 |
| Wellington | 6.79% | $375,000 | $1,954 | 26,704 |
| Tarpon Springs | 6.71% | $355,000 | $1,834 | 25,938 |
| Sebastian | 6.3% | $315,000 | $1,560 | 25,812 |
| Ruskin | 6.65% | $400,000 | $2,054 | 25,562 |
| Ponce de Leon | 6.85% | $295,000 | $1,546 | 25,540 |
| Key West | 6.03% | $825,000 | $3,970 | 25,478 |
| Venice | 6.78% | $386,000 | $2,009 | 25,463 |
| Palm City | 6.7% | $371,000 | $1,915 | 25,280 |
| Kendall West | 6.69% | $405,000 | $2,089 | 24,979 |
| Ives Estates | 6.63% | $357,000 | $1,830 | 24,662 |
| Azalea Park | 6.77% | $330,000 | $1,716 | 23,562 |
| Fountainbleau | 6.61% | $435,000 | $2,225 | 22,698 |
| Sunny Isles Beach | 6.61% | $382,000 | $1,954 | 22,342 |
| Eustis | 6.74% | $328,000 | $1,700 | 22,157 |
| Holiday | 6.68% | $334,000 | $1,721 | 22,038 |
| Lynn Haven | 6.73% | $312,000 | $1,616 | 21,785 |
| Sweetwater | 6.89% | $335,000 | $1,763 | 21,698 |
| Lealman | 6.87% | $368,000 | $1,933 | 21,548 |
| Pace | 6.7% | $361,000 | $1,864 | 21,236 |
| Dade City | 6.78% | $420,000 | $2,186 | 21,139 |
| Punta Gorda | 6.84% | $357,000 | $1,870 | 21,052 |
| Treasure Island | 6.66% | $435,000 | $2,236 | 20,665 |
| South Patrick Shores | 6.88% | $370,000 | $1,945 | 20,629 |
| Indialantic | 6.83% | $295,000 | $1,543 | 20,613 |
| North Bay Village | 6.71% | $395,000 | $2,041 | 20,491 |
| McIntosh | 6.85% | $525,000 | $2,752 | 20,485 |
| Belle Glade | 6.7% | $385,000 | $1,987 | 20,332 |
| Cocoa | 6.82% | $349,000 | $1,824 | 20,219 |
| Grant-Valkaria | 6.6% | $390,000 | $1,993 | 19,880 |
| Southeast Arcadia | 6.85% | $375,000 | $1,966 | 19,794 |
| Pinecrest | 6.73% | $391,000 | $2,025 | 19,674 |
| Coral Terrace | 6.82% | $325,000 | $1,698 | 19,513 |
| Williston | 6.87% | $475,000 | $2,495 | 19,081 |
| Edgewood | 6.8% | $335,000 | $1,747 | 18,938 |
| Marco Island | 6% | $685,000 | $3,287 | 18,482 |
| Safety Harbor | 6.84% | $364,000 | $1,906 | 18,013 |
| Seminole | 6.72% | $350,000 | $1,810 | 17,930 |
| Lake Mary | 6.65% | $367,000 | $1,885 | 17,485 |
| Vero Beach | 6.67% | $365,000 | $1,878 | 17,163 |
| Stuart | 6.8% | $353,000 | $1,841 | 17,143 |
| New Port Richey | 6.73% | $341,000 | $1,766 | 16,728 |
| Zephyrhills | 6.72% | $355,000 | $1,836 | 16,534 |
| Lady Lake | 6.69% | $345,000 | $1,779 | 15,962 |
| Niceville | 6.7% | $364,000 | $1,879 | 15,501 |
| St. Augustine | 6.69% | $381,000 | $1,965 | 15,415 |
| Destin | 6.87% | $382,000 | $2,007 | 14,118 |
| Jensen Beach | 6.64% | $351,000 | $1,801 | 13,713 |
| Fernandina Beach | 6.75% | $345,000 | $1,790 | 13,605 |
| South Daytona | 6.62% | $392,000 | $2,007 | 13,199 |
| North Palm Beach | 6.85% | $336,000 | $1,761 | 13,090 |
| Wilton Manors | 6.86% | $370,000 | $1,942 | 12,732 |
| Cocoa Beach | 6.8% | $381,000 | $1,987 | 12,252 |
| Lake City | 6.73% | $330,000 | $1,709 | 12,046 |
| Gulfport | 6.88% | $318,000 | $1,672 | 12,029 |
| Palatka | 6.61% | $389,000 | $1,990 | 10,713 |
| Key Largo | 6.68% | $366,000 | $1,885 | 10,433 |
| Brooksville | 6.85% | $375,000 | $1,966 | 8,499 |
| Marathon | 6.85% | $373,000 | $1,955 | 8,297 |
| Inverness | 6.89% | $344,000 | $1,811 | 8,059 |
| Clewiston | 6.83% | $330,000 | $1,726 | 7,542 |
| Perry | 6.67% | $318,000 | $1,637 | 7,151 |
| Gulf Breeze | 6.72% | $367,000 | $1,898 | 7,034 |
| Flagler Beach | 6.86% | $367,000 | $1,926 | 5,324 |
| Wauchula | 6.82% | $296,000 | $1,547 | 5,237 |
| Tierra Verde | 6.71% | $341,000 | $1,762 | 4,053 |
Florida Mortgage Rates Guide — 2026
Florida homebuyers currently see an average 30-year fixed mortgage rate of 6.72%, with median home prices around $379,397. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,962.
The most affordable city for homebuyers in Florida is Pomona Park, where the median home price is $220,000. On the other end, Key West has the highest prices at $825,000. Property tax rates across the state average 0.87%.
To comfortably afford a home at the state average price, a household income of approximately $84,086 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Florida Mortgages
What are current mortgage rates in Florida?
As of April 2026, the average 30-year fixed mortgage rate in Florida is 6.72% and the 15-year fixed rate averages 5.96%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Florida?
The median home price across 189 cities in Florida is $379,397. Prices range from $220,000 in Pomona Park to $825,000 in Key West.
How much income do I need to buy a house in Florida?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $84,086 to comfortably afford the average home in Florida. The median household income in the state is approximately $56,286.
Florida Mortgage Rates by ZIP Code
Explore mortgage rates for specific ZIP codes in Florida. Rates can vary by neighborhood based on local property values and lending conditions.
ZIP 33108
Miami | 6.58% | $569,652
ZIP 33109
Miami | 6.58% | $535,994
ZIP 33107
Miami | 6.71% | $572,875
ZIP 33103
Miami | 6.77% | $537,390
ZIP 33124
Miami | 6.73% | $582,401
ZIP 33125
Miami | 6.74% | $549,786
ZIP 33117
Miami | 6.75% | $575,189
ZIP 33011
Hialeah | 6.71% | $440,104
ZIP 32202
Jacksonville | 6.76% | $310,160
ZIP 33118
Miami | 6.72% | $564,025
ZIP 33609
Tampa | 6.75% | $385,209
ZIP 33301
Fort Lauderdale | 6.74% | $453,419
ZIP 33113
Miami | 6.71% | $572,613
ZIP 32203
Jacksonville | 6.72% | $297,163
ZIP 32206
Jacksonville | 6.58% | $298,236
ZIP 33604
Tampa | 6.64% | $382,800
ZIP 33122
Miami | 6.74% | $556,226
ZIP 33116
Miami | 6.77% | $578,937
ZIP 33306
Fort Lauderdale | 6.67% | $448,922
ZIP 32807
Orlando | 6.58% | $382,549
ZIP 33104
Miami | 6.7% | $570,258
ZIP 32801
Orlando | 6.57% | $380,139
ZIP 33123
Miami | 6.62% | $581,730
ZIP 32204
Jacksonville | 6.76% | $320,005
ZIP 33120
Miami | 6.75% | $578,477
ZIP 32205
Jacksonville | 6.64% | $312,568
ZIP 33904
Cape Coral | 6.63% | $348,102
ZIP 32810
Orlando | 6.74% | $379,901
ZIP 33305
Fort Lauderdale | 6.61% | $469,069
ZIP 32806
Orlando | 6.72% | $366,431
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