Mortgage Rates in Sunrise, Florida — March 2026
Updated March 2026 | Based on Sunrise market data and regional lending conditions
Sunrise is a growing city in Florida with a population of 97,335. The current 30-year fixed mortgage rate in Sunrise is 6.84%, which is 0.19% above the national average. With a median home price of $417,000 and a 20% down payment of $83,400, homebuyers can expect a monthly principal and interest payment of approximately $2,184.
Current Mortgage Rates in Sunrise, FL
Below are the current average mortgage rates available in the Sunrise 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 | 6.84% | 6.65% | +0.19% |
| 15-Year Fixed | 6.06% | 5.89% | +0.17% |
| 5/1 ARM | 6.3% | 6.15% | +0.15% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.09% | 6.85% | +0.24% |
Sunrise Housing Market Overview
The Sunrise housing market reflects moderate demand with prices near the national average. The median household income in Sunrise is $56,500, and the cost of living index is 95.2 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $105,943 to comfortably afford the median-priced home in Sunrise, which exceeds the current median household income.
Monthly Payment Breakdown for Sunrise
Based on the median home price of $417,000 with 20% down ($83,400), here is what you can expect to pay monthly in Sunrise:
15-Year vs. 30-Year Mortgage in Sunrise
Choosing a 15-year mortgage in Sunrise at 6.06% instead of a 30-year at 6.84% would save you $277,560 in total interest over the life of the loan. However, your monthly payment would be $2,826 instead of $2,184 — an increase of $642 per month.
Calculate Your Sunrise 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 Sunrise
What are the current mortgage rates in Sunrise, FL?
As of March 2026, the average 30-year fixed mortgage rate in Sunrise, Florida is 6.84%, while the 15-year fixed rate is 6.06%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.19% above the national average of 6.65%.
How much is a monthly mortgage payment in Sunrise?
Based on the median home price of $417,000 with 20% down, the estimated monthly mortgage payment in Sunrise is $2,184 for principal and interest. Including property taxes of $288/month, the total monthly housing cost is approximately $2,472.
What income do I need to buy a home in Sunrise?
Using the 28% rule, you would need an annual income of approximately $105,943 to afford the median-priced home in Sunrise at $417,000. The median household income in Sunrise is $56,500. This means most households would need to either earn above the median or consider homes below $417,000.
Is Sunrise a good place to buy a home in 2026?
Sunrise offers a below-average cost of living with a cost of living index of 95.2 (national average = 100). The property tax rate in Florida is 0.83%, which is near the national average. Sunrise has a population of 97,335 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 Sunrise, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.