Mortgage Rates in Titusville, Florida — March 2026
Updated March 2026 | Based on Titusville market data and regional lending conditions
Titusville is a growing city in Florida with a population of 49,775. The current 30-year fixed mortgage rate in Titusville is 6.67%, which is 0.02% above the national average. With a median home price of $353,000 and a 20% down payment of $70,600, homebuyers can expect a monthly principal and interest payment of approximately $1,817.
Current Mortgage Rates in Titusville, FL
Below are the current average mortgage rates available in the Titusville 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 | 6.67% | 6.65% | +0.02% |
| 15-Year Fixed | 5.92% | 5.89% | +0.03% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.92% | 6.85% | +0.07% |
Titusville Housing Market Overview
The Titusville housing market reflects moderate demand with prices near the national average. The median household income in Titusville is $57,700, and the cost of living index is 103.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $88,971 to comfortably afford the median-priced home in Titusville, which exceeds the current median household income.
Monthly Payment Breakdown for Titusville
Based on the median home price of $353,000 with 20% down ($70,600), here is what you can expect to pay monthly in Titusville:
15-Year vs. 30-Year Mortgage in Titusville
Choosing a 15-year mortgage in Titusville at 5.92% instead of a 30-year at 6.67% would save you $227,340 in total interest over the life of the loan. However, your monthly payment would be $2,371 instead of $1,817 — an increase of $554 per month.
Calculate Your Titusville 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 Titusville
What are the current mortgage rates in Titusville, FL?
As of March 2026, the average 30-year fixed mortgage rate in Titusville, Florida is 6.67%, while the 15-year fixed rate is 5.92%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.02% above the national average of 6.65%.
How much is a monthly mortgage payment in Titusville?
Based on the median home price of $353,000 with 20% down, the estimated monthly mortgage payment in Titusville is $1,817 for principal and interest. Including property taxes of $259/month, the total monthly housing cost is approximately $2,076.
What income do I need to buy a home in Titusville?
Using the 28% rule, you would need an annual income of approximately $88,971 to afford the median-priced home in Titusville at $353,000. The median household income in Titusville is $57,700. This means most households would need to either earn above the median or consider homes below $353,000.
Is Titusville a good place to buy a home in 2026?
Titusville has a moderate cost of living with a cost of living index of 103.4 (national average = 100). The property tax rate in Florida is 0.88%, which is near the national average. Titusville has a population of 49,775 and offers a balanced lifestyle.
Mortgage Rates in Other Florida Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Titusville, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.