Florida mortgage rates, today.
Daily rate ranges across every major Florida loan program — sourced from Freddie Mac PMMS with Florida spreads applied.
Today's Florida average
30-Year Fixed Conventional
Range
6.270% – 6.770%
APR
6.395% – 6.895%
FHA 30-yr
6.145%
VA 30-yr
6.020%
Today's rates
Every Florida loan program at a glance
Conventional
30-Year Fixed
- 30-yr range
- 6.270% – 6.770%
- 15-yr range
- 5.590% – 6.090%
- APR (30-yr)
- 6.395% – 6.895%
The most common Florida mortgage. As little as 3% down for qualified buyers, and PMI drops off at 20% equity.
FHA
30-Year Fixed
- 30-yr range
- 5.895% – 6.395%
- 15-yr range
- 5.215% – 5.715%
- APR (30-yr)
- 6.745% – 7.245%
Government-backed loan with 3.5% down and lower credit requirements. APR is higher because of mortgage insurance.
VA
30-Year Fixed
- 30-yr range
- 5.770% – 6.270%
- 15-yr range
- 5.090% – 5.590%
- APR (30-yr)
- 5.920% – 6.420%
Zero down payment and no monthly mortgage insurance for eligible veterans, active-duty, and surviving spouses.
Hometown Heroes
(Florida)
- 30-yr range
- 6.020% – 6.520%
- 15-yr range
- —
- APR (30-yr)
- 6.145% – 6.645%
State-sponsored loan plus up to $35,000 in down payment and closing cost assistance for eligible Florida workers.
USDA
Rural 30-Year Fixed
- 30-yr range
- 5.895% – 6.395%
- 15-yr range
- —
- APR (30-yr)
- 6.045% – 6.545%
Zero-down financing in eligible rural and many suburban Florida areas. Income limits apply.
Jumbo
30-Year Fixed
- 30-yr range
- 6.395% – 6.895%
- 15-yr range
- 5.715% – 6.215%
- APR (30-yr)
- 6.495% – 6.995%
For Florida home loans above the conforming limit (~$806,500 in most counties for 2026).
Ranges derived from Freddie Mac's weekly PMMS survey (June 14, 2026) with Florida program spreads applied. APR includes typical mortgage insurance and closing costs. Your rate depends on credit, down payment, loan size, and lender — request a personalized quote before locking.
Side-by-side comparison
All Florida programs in one view. Tap a program for full details, eligibility, and example payments.
What moves your number
Six factors that shape your Florida rate
Two buyers on the same day can get very different quotes. Here's why.
Credit score
A 740+ score usually gets you the best advertised rate. Below 680, expect a 0.25–0.75% bump.
Down payment
Larger down payments lower your loan-to-value ratio and typically reduce your rate and PMI.
Loan type
Government loans (FHA, VA, USDA) often have lower note rates but include insurance premiums in APR.
Loan term
15-year mortgages run about 0.5–0.75% below 30-year — bigger payment, much less interest.
Property type
Condos, investment properties, and multi-unit homes in Florida price higher than a primary single-family.
Points
Each discount point (1% of the loan) typically buys down your rate by ~0.25%.
Florida mortgage rate FAQ
Are these the rates I'll actually get?
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These ranges reflect what well-qualified Florida buyers are seeing for each program. Your final rate depends on credit, down payment, loan size, property type, and lender. Get a personalized quote before locking.
How often do Florida mortgage rates change?
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Rates can move multiple times per day with the bond market. We refresh these ranges daily from Freddie Mac data and apply Florida program spreads.
Should I lock my rate now?
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If you're under contract or close to it, locking protects you from upward moves during underwriting. Most Florida lenders offer 30–60 day locks, with extensions available.
Do Florida rates differ from national averages?
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Note rates are similar nationwide, but Florida's insurance costs and hurricane risk can affect APR and which lenders are aggressive on price.
Source: Freddie Mac Primary Mortgage Market Survey via FRED, with Florida program spreads applied. For informational purposes only; not a rate quote or commitment to lend.
See your personalized Florida mortgage rate.
A licensed Florida mortgage professional will review your information and reach out — no obligation, no high-pressure pitch.