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Live Florida pricing · updated 11/8/2026
Today’s Florida Mortgage Rates
Live 30-year, 15-year, FHA, VA and jumbo rates for Florida, shopped across many wholesale lenders, plus what the same home actually costs per month in eleven Florida counties once taxes and insurance are added.
See Live Florida Mortgage Rates And Closing Costs!
$531 lender credit
$531 lender credit
$544 lender credit
$829 lender credit
$1,482 lender credit
Par rate per program for a single-family primary residence in Miami-Dade 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 Florida scenario, no credit pull.
Choose Your Florida City to View Custom Mortgage Rates and Detailed Information
Select the city where you are looking to buy or refinance a home in Florida. Each city page prices its own county live and covers the local details that move the payment: insurance, flood zones, condo rules, HOA and CDD costs, and the loan programs buyers there use most.
Miami-Dade
Miami mortgage rates
Miami Beach mortgage rates
Hialeah mortgage rates
Doral mortgage rates
Kendall mortgage rates
Homestead mortgage rates
Broward
Fort Lauderdale mortgage rates
Hollywood mortgage rates
Pembroke Pines mortgage rates
Miramar mortgage rates
Coral Springs mortgage rates
Davie mortgage rates
Plantation mortgage rates
Sunrise mortgage rates
Weston mortgage rates
Parkland mortgage rates
Pompano Beach mortgage rates
Deerfield Beach mortgage rates
Hallandale Beach mortgage rates
Lauderdale Lakes mortgage rates
Treasure Coast
Southwest Florida
Northeast Florida
North Florida
Florida’s Mortgage Broker Offering the Lowest Rates
We specialize in Florida residential mortgages.
At On Mortgage, we find a loan that fits each Florida borrower. Big banks often staff their mortgage desks with order takers and offer a limited menu of one-size-fits-all programs. Our loan consultants know what it takes to get a file through underwriting quickly, and because we are a licensed mortgage broker, we can send that file to many wholesale lenders and choose the one whose pricing and guidelines fit your scenario best.
That matters more in Florida than almost anywhere. Condo buildings, flood zones, insurance quotes, self-employed income and second homes all affect which lenders will say yes, and at what price. One application with us reaches all of them. Start in the Florida rate finder, or read about our team on the Florida mortgage broker page.
The same Florida home in eleven counties
Florida mortgage rates barely change from county to county. The payment does. Here is a $400,000 single-family home with 20% down, priced at each county’s live 30-year rate, with homesteaded property tax at that county’s millage and the county’s average homeowners premium scaled to the price:
| County | 30-year rate | Principal and interest | Property tax | Insurance | Total monthly | Local rates |
|---|---|---|---|---|---|---|
| Miami-Dade | 6.625% | $2,049 | $400 | $283 | $2,732 | Miami |
| Broward | 6.625% | $2,049 | $400 | $283 | $2,732 | Fort Lauderdale |
| Palm Beach | 6.625% | $2,049 | $400 | $283 | $2,732 | West Palm Beach |
| St. Lucie | 6.625% | $2,049 | $400 | $283 | $2,732 | Port St. Lucie |
| Hillsborough | 6.625% | $2,049 | $400 | $283 | $2,732 | Tampa |
| Pinellas | 6.625% | $2,049 | $400 | $283 | $2,732 | St. Petersburg |
| Orange | 6.625% | $2,049 | $400 | $283 | $2,732 | Orlando |
| Volusia | 6.625% | $2,049 | $400 | $283 | $2,732 | Daytona Beach |
| Lee | 6.625% | $2,049 | $400 | $283 | $2,732 | Cape Coral |
| Duval | 6.625% | $2,049 | $400 | $283 | $2,732 | Jacksonville |
| Leon | 6.625% | $2,049 | $400 | $283 | $2,732 | Tallahassee |
Par pricing for an owner-occupied home with strong credit, 30-day lock. Taxes use county total millage after the homestead exemption; city levies vary. Insurance is the county average premium scaled by value, before flood coverage, HOA dues or CDD assessments.
The spread from the least to the most expensive county is several hundred dollars a month on the same house, mostly from insurance. That is why a Florida pre-approval should always include a real insurance estimate, and why shopping the policy can matter as much as shopping the rate.
Secure the Best Florida Mortgage Rates with On Mortgage
Florida, with its beaches, growing cities and no state income tax, offers one of the most dynamic real estate markets in the country. At On Mortgage, we provide competitive Florida mortgage rates and personalized loan solutions to help residents and investors reach their property goals across the state, from a first condo in Miami to a family home in Jacksonville.
For most buyers, the 30-year fixed is still the default, because it keeps the required payment low while insurance and taxes take their share. For buyers who can afford more each month, the 15-year saves a great deal of interest. On a $400,000 Florida home with 20% down, today’s numbers are:
| $400,000 home, 20% down ($320,000 loan) | 30-year fixed at 6.625% | 15-year fixed at 5.750% |
|---|---|---|
| Monthly principal and interest | $2,049 | $2,657 |
| Total interest over the full term | $417,638 | $158,316 |
| Each 0.25% in rate changes the payment by | about $53 a month on the 30-year | |
Par pricing, Miami-Dade County example, owner-occupied single-family home. Rates in other Florida counties are typically within a small margin of these.
Florida’s Real Estate Market Overview
Florida presents a diverse array of properties, from luxurious waterfront estates to single-family homes in well-established neighborhoods, new construction in master-planned communities and a very large condo market. After years of rapid appreciation, the statewide market has cooled. Inventory has risen in most metros, homes are taking longer to sell, and buyers in many areas can once again negotiate on price and ask for seller credits.
The condo segment has changed the most. Florida’s post-Surfside laws require structural inspections and fully funded reserves for older buildings, and many associations have levied special assessments. Prices for older condos have softened, while single-family homes have generally held value better. On Mortgage is dedicated to helping you navigate this market by securing the most favorable Florida mortgage rates for your financial needs, and by checking a condo’s financeability before you commit.
Downtown Florida and Surrounding Areas
Florida’s downtowns, from Brickell and Las Olas to downtown Tampa, St. Petersburg and Orlando, are bustling centers for culture, dining and entertainment, while the suburbs around them offer more space and quieter streets. The financing is different in each.
Downtown condos
Lenders review the building: its reserves, insurance, investor ratio and any litigation. Some towers need non-warrantable or portfolio financing. See Miami, Fort Lauderdale and St. Petersburg.
Suburban and new construction
HOA dues, CDD assessments and builder incentives shape the payment. See Port St. Lucie, Orlando and Daytona Beach.
Waterfront
Jumbo loans, flood insurance and seawall condition come first. See Cape Coral and Boca Raton.
Military communities
VA loans with zero down near MacDill and the Jacksonville Navy bases. See Tampa and Jacksonville.
Florida refinance rates today
0.250 points
$531 lender credit
$544 lender credit
$829 lender credit
0.056 points
Rate-and-term refinance pricing for a Florida single-family primary residence (Miami-Dade example) with 20% equity and excellent credit. Cash-out, condo and investment refinances price differently. Price your own Florida scenario, no credit pull.
Florida Mortgage Rate Trends
Florida mortgage rates follow national markets, mainly the bond market and expectations for inflation and Federal Reserve policy, so they move with rates across the country rather than with local home prices. What is distinctly Floridian is everything around the rate: insurance premiums that rose sharply after 2022 and have begun to stabilize as new carriers entered the state, condo rules that changed which buildings lenders will finance, and a market that has shifted toward buyers in many areas.
These trends highlight the value of working with knowledgeable professionals. On Mortgage tracks Florida pricing daily, alerts clients when their scenario improves, and plans refinances for buyers who lock today and want to be ready if rates fall. See the refinance guide or run the refinance calculator.
Florida homeowners insurance and property taxes, Miami-Dade example
The county table above compares the whole state; this box details the Miami-Dade example used for statewide pricing on this page. For any other county, open its city page for the same breakdown.
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.
Florida taxes on the mortgage itself
Florida is one of the few states that taxes a new mortgage at closing, and it sets title insurance premiums by regulation rather than letting them float. That makes part of every Florida closing cost estimate predictable. On a $400,000 purchase with a $320,000 loan:
| Charge | Florida rate | On this purchase | Usually paid by |
|---|---|---|---|
| Documentary stamp tax on the note | $0.35 per $100 of the loan | $1,120 | Buyer (borrower) |
| Intangible tax on the mortgage | 0.2% of the loan | $640 | Buyer (borrower) |
| Documentary stamp tax on the deed | $0.70 per $100 of the price (Miami-Dade differs) | $2,800 | Seller, by custom |
| Owner’s title insurance premium | State-promulgated rate | $2,075 | Seller in most counties; buyer in some South Florida counties |
| Lender’s title policy, issued together | Simultaneous-issue charge | $25 plus endorsements | Buyer (borrower) |
Title premium uses Florida’s promulgated rate of $5.75 per $1,000 up to $100,000 and $5.00 per $1,000 from $100,000 to $1 million. Endorsements, settlement fees and lender charges are additional and do vary, which is where comparing lenders saves money. Who pays each item is negotiable in the contract.
Because these taxes scale with the loan, they come up again on a refinance, and how much is due depends on how the new loan is structured. Ask us to quote your exact closing costs; our mortgage calculators can help you estimate first.
What moves your Florida mortgage rate
Credit score
Pricing changes in steps, usually every 20 points. Moving from 699 to 700 or 739 to 740 can lower the rate or the cost.
Down payment
Less equity means more risk adjustments and, on conventional loans, mortgage insurance until you reach 20%.
Occupancy
Primary homes price best, second homes higher, and investment properties highest.
Property type
Condos with less than 25% down and two- to four-unit homes add adjustments; non-warrantable condos go to portfolio lenders.
Loan size
Loans above $832,750 are jumbo; very small loans can carry their own adjustments.
Points and lock
Paying points lowers the rate; a lender credit raises it. Longer locks cost a little more.
Why Choose On Mortgage for Your Florida Mortgage Needs?
Florida’s real estate landscape offers unique opportunities for homebuyers and investors. Here is how On Mortgage can help:
Access to competitive mortgage rates for various property types
Single-family homes, condos, townhomes, waterfront and new construction.
FHA loans offering low down payment options
3.5% down, with limits that vary by county.
VA loans with exclusive benefits for veterans
Zero down near every Florida base and beyond.
Refinancing solutions to help you secure better terms
Lower rates, PMI removal, streamlines and cash out.
Jumbo loans for high-value properties
Above $832,750, from multiple investors.
Florida-only focus
Our deep understanding of Florida’s market means fewer surprises and smoother closings.
Our Reviews
What Florida borrowers say after closing with On Mortgage. Five stars on Google (130 reviews) and Zillow (92 reviews).
“Caroline Da Silva from Miami Mortgage Brokers just got us approved for our first mortgage, and we would definitely work with her again after this experience! From the moment our broker connected us with Caroline, she was always several steps ahead throughout the process. We were impressed that Miami Mortgage Brokers had us clear to close a week early,...”
“Chris was outstanding throughout the entire transaction! Always accessible and was able to provide the best financing option when others could not! I would highly recommend him and hope to do more transactions with him.”
“I recently had the pleasure of working with Chris as my loan officer, and I cannot speak highly enough of his exceptional service. He guided me through every step with clarity and patience. What truly sets Chris apart is his remarkable efficiency: not only was he incredibly responsive to my inquiries, but he also expedited the loan process, resulting in the...”
Florida mortgage rates: your questions
Are mortgage rates different in each Florida city?
Only slightly. Lenders price by loan type, credit, down payment, occupancy and property, with small county-level differences at most. What varies widely across Florida is the total payment, because insurance, property taxes, flood coverage and HOA or CDD costs differ by location. The county table above shows that on the same home.
What is the conforming loan limit in Florida for 2026?
$832,750 for a single-family home in every Florida county. Loans above it are jumbo loans. FHA limits start at $541,287 and are higher in costlier metro areas, and VA has no loan limit for borrowers with full entitlement.
How do I get the best mortgage rate in Florida?
Compare several lenders on the same day with the same scenario, improve your credit score into the next pricing tier if you are close, consider a larger down payment, and decide whether points or a lender credit fit your plans. A broker does the comparison for you with one application.
Why is my Florida mortgage payment higher than my rate suggests?
Usually because of escrow. Florida homeowners insurance averages well above the national level in many counties, and flood insurance, HOA dues or CDD assessments may be added. We include realistic estimates in your pre-approval so the payment is not a surprise.
Does On Mortgage lend outside Florida?
No. On Mortgage is a Florida mortgage broker and lends on Florida properties only, which lets us focus on the state’s insurance, condo and closing-cost rules.
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Contact On Mortgage for the Best Florida Mortgage Rates
Whether you are purchasing a new home, refinancing an existing loan or investing in property anywhere in Florida, On Mortgage offers expert guidance and loan options shopped across many lenders. Contact our team today to explore the best Florida mortgage rates for your goals.