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Daytona Beach · Volusia County pricing
Today’s Daytona Beach Mortgage Rates
Live mortgage rates for Daytona Beach homes, new construction and oceanfront condos. Rates here are the same Florida rates you would get in Miami; what is different is the insurance bill, and that difference changes how much home your payment buys.
See Live Daytona Beach Mortgage Rates And Closing Costs!
0.125 points
No points, no credit
$374 lender credit
$672 lender credit
$1,577 lender credit
Par rate per program for a single-family primary residence in Volusia County, 20% down, 780+ credit, 30-day lock, escrows included. Rates change through the day and are not a commitment to lend. Price your own Daytona Beach scenario, no credit pull.
Daytona Beach’s Mortgage Broker Offering the Lowest Rates
We specialize in Daytona Beach residential mortgages.
A lot of Daytona Beach buyers are moving from somewhere more expensive: South Florida, the Northeast, the Midwest. Many are shopping new construction west of I-95, where the builder’s own lender offers incentives that look hard to beat. Sometimes they are good. Sometimes the incentive is paid for with a higher rate or fees. On Mortgage is a broker, so we can price the same loan across many lenders and give you an apples-to-apples comparison against the builder’s offer.
Run your scenario in the Volusia County rate finder, or see the Daytona Beach mortgage broker page for what to know about oceanfront condos since the 2022 storms.
Daytona Beach Mortgage Rates Today: Unlock the Best Deals for Your Home Loan
Volusia County’s 30-year fixed is pricing at 6.625% today (11/9/2026) at par. Mortgage rates barely vary by Florida county, but escrow does. On a homesteaded $320,000 house, property tax plus average homeowners insurance comes to about $547 a month in Volusia, against roughly $547 in Broward and $547 in Miami-Dade.
That gap is why the same payment stretches further here. Within the payment, you also choose how to price the rate itself. For a buyer with 5% down on a median-priced Daytona Beach home, today’s options from our pricing engine range from paying points to receiving a credit:
| Rate on a $304,000 loan | APR | Points cost or lender credit | Payment vs. par | Points pay back in |
|---|---|---|---|---|
| 6.500% | 6.663% | You pay $2,392 | $50/mo less | 48 months |
| 6.625% | 6.743% | You pay $918 | $25/mo less | 37 months |
| 6.750% | 6.840% | Par: no points, no credit | Same | Not applicable |
| 6.875% | 6.917% | You receive $1,520 | $25/mo more | Not applicable |
| 6.999% | 7.022% | You receive $2,125 | $51/mo more | Not applicable |
Volusia County owner-occupied conventional 30-year fixed, 30-day lock. With 5% down, private mortgage insurance is added and is not shown here; it falls as your credit score rises and ends at 20% equity.
With only 5% down, cash is usually tight, so many buyers take par or a small credit to cover closing costs. If a builder or seller is paying your costs, putting some of that money toward points can make sense when you plan to stay. The payback column tells you how long it takes.
Daytona Beach Refinance Rates: Refinancing Your Home for Better Terms
$531 lender credit
No points, no credit
$374 lender credit
$672 lender credit
0.049 points
Rate-and-term refinance quotes for a Volusia County single-family primary residence with 20% equity and excellent credit. Condos, cash-out and rental refinances are quoted separately. Price your own Daytona Beach scenario, no credit pull.
Buyers who closed on new construction in the last few years often took the builder’s lender to get the incentive. That is fine, but it means many Daytona Beach owners have never compared their loan to the open market. If your rate is above today’s pricing, or your mortgage insurance could come off now that values have risen, a quick review is worthwhile.
Oceanfront condo owners have another reason to look: special assessments for structural and seawall work since 2022. A cash-out refinance can fund an assessment at a mortgage rate rather than a credit-card rate. Use the refinance calculator for the break-even, and the refinance overview for program rules.
Daytona Beach 30-Year Mortgage Rates: Long-Term Stability for Homebuyers
New-construction buyers face a timing problem the 30-year fixed alone does not solve: a home that will not be finished for six to nine months. A standard 30 or 45 day lock will not cover that, so the options are to float and lock later, or to buy an extended lock that holds today’s rate for the build period, usually for a fee or a slightly higher rate.
Which is better depends on how much rate risk you can live with. Builders sometimes offer forward commitments that cover the cost. We can quote an extended lock with outside lenders, so you can compare it with the builder’s package and decide with the full picture.
Daytona Beach Best Mortgage Lenders: Your Trusted Partner in Home Financing
Extended-lock lenders
For new homes that will close months from now, with lock terms you can compare.
Oceanfront condo lenders
For beachside buildings with assessments, repairs or high investor ownership.
Retirement-income lenders
Qualifying on Social Security, pensions and IRA or 401(k) distributions.
Short-term rental lenders
For condos and homes near the beach that will be rented by the week; see Daytona Beach DSCR loans.
VA lenders
For veterans relocating to Volusia County; see Daytona Beach VA rates.
Jumbo lenders
For larger riverfront and oceanfront homes; see Daytona Beach jumbo rates.
Daytona Beach FHA Loan Rates: Affordable Homeownership Solutions
At Daytona Beach prices, FHA puts a home within reach of many local workers and first-time buyers. The minimum is 3.5% down at a 580 score, or about $11,200 at the median, and FHA counts gifts and approved assistance toward it. Volusia’s lower insurance also helps FHA buyers qualify, since the full escrow is part of the debt-to-income ratio.
FHA can also finance new construction, provided the builder and the home meet FHA requirements, and many production builders here are set up for it. Condos still require an approved project. See our Daytona Beach FHA loan guide for the current Volusia limit.
Find the Best Daytona Beach Mortgage Rates with On Mortgage
Daytona Beach is best known for its hard-packed beach and its speedway, but its housing market is just as varied: riverfront homes, older neighborhoods near downtown, beachside condos and fast-growing communities to the west. On Mortgage offers competitive rates for all of them.
Daytona Beach’s Real Estate Market Overview
The middle of the Daytona Beach market was near $320,000 in mid-2026, with homes taking about 77 days to go under contract. Prices have kept appreciating modestly despite higher rates, helped by steady in-migration. New-home inventory west of the interstate gives buyers more choice and gives resale sellers more competition, which can make incentives easier to negotiate.
Living in Daytona Beach
The Daytona International Speedway, the boardwalk and miles of beach anchor the city’s identity, while the Halifax River, the Museum of Arts and Sciences and a revitalized Beach Street downtown add everyday appeal. Orlando is about an hour away by I-4.
Beachside
Condos and older homes between the river and the ocean, where flood zones, building age and rental rules all affect the loan.
West of I-95
New subdivisions, golf communities and 55-plus developments, where builder incentives and HOA dues are part of the math.
Daytona Beach homeowners insurance and property taxes
Volusia’s average homeowners premium runs below the statewide figure, though its property tax rate is on the higher side for Florida. Homes inside Daytona Beach city limits pay the city levy on top of county rates. Here is a homesteaded single-family estimate at the median price; beachside homes may also need flood coverage.
Sources: Florida county homeowners insurance premiums (worthinsurance.com) and county total millage (movewithmomentum.com), updated October 2026. Your own premium depends on the home’s age, roof, construction and wind mitigation features, and flood coverage is a separate policy. Property tax and homeowners insurance are estimates (1.2% and 0.85% of the home’s value per year). Your actual taxes and insurance premium depend on the property, exemptions and the policy you choose, and will be confirmed on your Loan Estimate. Run your own numbers.
Daytona Beach Mortgage Rate Trends
Florida mortgage rates have stayed elevated compared with the early 2020s, yet the Daytona Beach market has held up, with values rising modestly. Lower carrying costs than coastal South Florida and a steady flow of new residents support demand.
The trend to watch is builder pricing. When rates rise, builders tend to increase incentives; when rates fall, those incentives shrink. Knowing the market rate helps you judge whether a builder’s offer is a real discount. We track Volusia pricing every day.
Why Choose On Mortgage for the Best Daytona Beach Mortgage Rates?
Daytona Beach buyers have choices. We help you weigh them:
Competitive mortgage rates for single-family homes and condos
Resale, new construction and beachside units.
FHA loans with low down payment options
Including FHA-eligible new construction.
VA loans with exclusive benefits for veterans
Full financing on resale or new homes, with VA’s cap on what the borrower can be charged in fees.
Refinancing solutions to secure lower mortgage rates
Including a second look at builder-lender loans.
Jumbo loans for luxury beachfront properties
Oceanfront and riverfront homes above the conforming limit.
An independent second opinion
We compare any builder offer against the open market.
Our Reviews
What Florida borrowers say after closing with On Mortgage. Five stars on Google (130 reviews) and Zillow (92 reviews).
“We cannot say enough amazing things about Caroline! As a first-time homebuyer, this was such a huge and exciting milestone for us, and we’re so grateful that we had her by our side throughout the entire process. Caroline was incredibly knowledgeable, patient, responsive, and supportive from beginning to end.”
“I had an amazing experience working with Ms. Caroline Da Silva throughout my entire home-buying process. From day one, she was professional, knowledgeable, responsive, and always there whenever I had questions. She kept me updated every step of the way and made everything easy to understand.”
“Caroline was great. Always responsive and available whenever I needed assistance or had questions. 10/10 would recommend to any veteran or anyone for that matter.”
Daytona Beach mortgage rates: your questions
Should I use the builder’s lender in Daytona Beach?
Only if the total package is better. Builder incentives can be valuable, but they are sometimes tied to a higher rate or fees. Get an outside quote with the same loan terms and compare the total cost. A builder may offer incentives for using its affiliated lender, but the choice of lender is yours.
Why is my Daytona Beach payment lower than in South Florida?
Mostly because of insurance. Volusia County’s average homeowners premium is well below Broward and Miami-Dade, and that difference shows up in the monthly escrow even when the mortgage rate is the same.
Can I lock my rate while my new home is being built?
Yes, with an extended lock. Lenders offer locks of several months for an added cost or slightly higher rate. Some builders cover that cost as an incentive. Compare the options before you choose.
Can I finance an oceanfront condo in Daytona Beach?
Yes, if the building meets lender requirements for reserves, insurance and structural condition. Buildings with pending repairs or heavy rental use may need a specialist lender. We review the association documents before you commit.
Is Daytona Beach a good place to buy a rental?
Many investors buy near the beach and the speedway for seasonal and event demand. DSCR loans qualify the property on its rental income. Check city and association rules on short-term rentals first.
More for Daytona Beach borrowers
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Contact On Mortgage for the Best Daytona Beach Mortgage Rates
Whether you are comparing a builder’s offer, buying beachside or refinancing, On Mortgage will price your Daytona Beach loan with many lenders and show you the full payment. Call or request a quote today.