Mortgage Rates in The Villages, Florida — March 2026
Updated March 2026 | Based on The Villages market data and regional lending conditions
The Villages is a growing city in Florida with a population of 51,442. The current 30-year fixed mortgage rate in The Villages is 6.6%, which is 0.05% below the national average. With a median home price of $382,000 and a 20% down payment of $76,400, homebuyers can expect a monthly principal and interest payment of approximately $1,952.
Current Mortgage Rates in The Villages, FL
Below are the current average mortgage rates available in the The Villages 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 | 6.6% | 6.65% | -0.05% |
| 15-Year Fixed | 5.87% | 5.89% | -0.02% |
| 5/1 ARM | 6.16% | 6.15% | +0.01% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.85% | 6.85% | 0% |
The Villages Housing Market Overview
The The Villages housing market reflects moderate demand with prices near the national average. The median household income in The Villages is $55,800, and the cost of living index is 105.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $95,957 to comfortably afford the median-priced home in The Villages, which exceeds the current median household income.
Monthly Payment Breakdown for The Villages
Based on the median home price of $382,000 with 20% down ($76,400), here is what you can expect to pay monthly in The Villages:
15-Year vs. 30-Year Mortgage in The Villages
Choosing a 15-year mortgage in The Villages at 5.87% instead of a 30-year at 6.6% would save you $242,460 in total interest over the life of the loan. However, your monthly payment would be $2,557 instead of $1,952 — an increase of $605 per month.
Calculate Your The Villages 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 The Villages
What are the current mortgage rates in The Villages, FL?
As of March 2026, the average 30-year fixed mortgage rate in The Villages, Florida is 6.6%, while the 15-year fixed rate is 5.87%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.05% below the national average of 6.65%.
How much is a monthly mortgage payment in The Villages?
Based on the median home price of $382,000 with 20% down, the estimated monthly mortgage payment in The Villages is $1,952 for principal and interest. Including property taxes of $287/month, the total monthly housing cost is approximately $2,239.
What income do I need to buy a home in The Villages?
Using the 28% rule, you would need an annual income of approximately $95,957 to afford the median-priced home in The Villages at $382,000. The median household income in The Villages is $55,800. This means most households would need to either earn above the median or consider homes below $382,000.
Is The Villages a good place to buy a home in 2026?
The Villages has a moderate cost of living with a cost of living index of 105.8 (national average = 100). The property tax rate in Florida is 0.9%, which is near the national average. The Villages has a population of 51,442 and offers a balanced lifestyle.
Mortgage Rates in Other Florida Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the The Villages, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.