Live Duval County pricing · updated 11/10/2026
Jacksonville Mortgage Rates
Affordable Duval County home loans and VA financing for Navy families at NAS Jax and Mayport, priced live across many lenders with the VA funding fee and escrow worked out in advance.
Today’s Jacksonville Mortgage Rates
$672 lender credit
No points, no credit
0.125 points
0.162 points
$713 lender credit
Par rate per program for a single-family primary residence in Duval 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 Jacksonville scenario, no credit pull.
Jacksonville Mortgage Rates Today: Affordable Home Loans Across Duval County
Jacksonville remains one of Florida’s most attainable major markets, with typical home prices clustering around the low $300,000s, well under South Florida. That affordability, combined with steady new construction on the Westside and out toward Clay and St. Johns counties, makes it a magnet for first-time buyers and relocating families. Homes have been selling in about five weeks, quicker than most Florida metros.
The par 30-year fixed for Duval County is 6.750% today with 20% down and top credit; the 30-year VA is at 6.375% and FHA at 6.375%.
On Mortgage shops your scenario across multiple lenders so buyers in Riverside and Avondale, San Marco, Mandarin, Southside and the Beaches lock the strongest rate for their credit and down payment.
VA Loans for Navy Families at NAS Jax & Mayport
With NAS Jacksonville and Naval Station Mayport anchoring the region, plus Marine Corps Blount Island Command in the city and Naval Submarine Base Kings Bay just across the Georgia line, Jacksonville has one of the highest concentrations of VA-eligible buyers in the state. A VA loan offers eligible service members and veterans zero down payment, no monthly mortgage insurance and highly competitive rates.
The cost VA buyers do face is the funding fee, a one-time charge that is usually financed into the loan. It depends on your down payment and whether you have used VA before. At the Jacksonville median of $305,000:
| Down payment | Loan before fee | First use | Subsequent use |
|---|---|---|---|
| No down payment | $305,000 | 2.15% = $6,558 | 3.30% = $10,065 |
| 5% down | $289,750 | 1.50% = $4,346 | 1.50% = $4,346 |
| 10% or more down | $274,500 | 1.25% = $3,431 | 1.25% = $3,431 |
| Veteran receiving VA disability compensation | Funding fee waived entirely. Also waived for Purple Heart recipients on active duty and eligible surviving spouses. | ||
VA purchase funding fee rates for regular military, National Guard and Reserve borrowers. An Interest Rate Reduction Refinance Loan carries a 0.5% fee. Rates are set by the Department of Veterans Affairs and can change.
For a second-time VA buyer, putting 5% down cuts the fee by more than half, which can be worth it if you have the cash. On Mortgage handles the Certificate of Eligibility, funding-fee exemptions and PCS-timeline closings so military families move in on schedule. Compare with FHA options in Jacksonville to see which fits best, or read more on our Jacksonville VA loan rates page.
First-Time Buyer & FHA Financing in Jacksonville
Jacksonville’s price point pairs naturally with FHA financing: 3.5% down and flexible credit guidelines, a big reason it is so popular with first-time buyers here. For a buyer with a 660 score at the typical Jacksonville price, here is how FHA compares today with conventional and, for those eligible, VA:
| $305,000 purchase, 660 credit | Conventional, 5% down | FHA, 3.5% down | VA, 0% down |
|---|---|---|---|
| Down payment | $15,250 | $10,675 | $0 |
| Loan amount | $289,750 | $299,476 (includes 1.75% upfront MIP) | $311,558 (includes 2.15% funding fee) |
| Today’s rate | 7.999% | 6.375% | 6.500% |
| Principal and interest | $2,126/mo | $1,868/mo | $1,969/mo |
| Mortgage insurance | $309/mo PMI | $135/mo MIP | None |
| Total before taxes and insurance | $2,435/mo | $2,003/mo | $1,969/mo |
| Mortgage insurance ends | When you reach 20% equity (cancellable) | Usually lasts the life of the loan with under 10% down | Never charged; fee waived with a service-connected disability |
Duval County owner-occupied pricing at a 660 score, mortgage insurance from current premium tables, VA with the first-use funding fee financed. Property tax, insurance and any HOA dues are additional.
Because Duval County leans single-family rather than condo-heavy, borrowers face fewer of the condo-warrantability hurdles common in South Florida. Talk to a Jacksonville mortgage broker at On Mortgage about pairing FHA or conventional financing with down payment assistance, including Florida Housing programs and assistance offered locally when funding is available.
Jacksonville refinance rates today
$672 lender credit
$1,063 lender credit
0.125 points
0.162 points
0.019 points
Rate-and-term refinance quotes for a Duval County single-family primary residence with 20% equity and excellent credit, VA programs listed first. Cash-out and rental refinances price differently. Price your own Jacksonville scenario, no credit pull.
Refinancing in Jacksonville
For VA borrowers, the IRRRL is the simplest refinance there is: no appraisal in most cases, limited paperwork, and you can use it even after a PCS move as long as you once lived in the home. FHA owners can use an FHA streamline, or refinance to conventional once equity reaches 20% to drop mortgage insurance, often the bigger saving. To see how many months a refinance takes to pay for itself, use the refinance calculator; program rules are on our refinance page.
Jacksonville homeowners insurance and property taxes
Duval County is one of the less expensive places in Florida to insure a home, with an average premium below the state figure. Jacksonville and Duval County share a consolidated government, so most homes pay one combined rate, while Jacksonville Beach, Atlantic Beach, Neptune Beach and Baldwin add their own city levies. Here is a homesteaded estimate at the median price.
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.
Neighborhoods we serve
Riverside, Avondale and San Marco
Historic homes and walkable streets near the St. Johns River, where older-home inspections and flood zones near the water matter.
Mandarin and Southside
Established subdivisions and newer communities with good access to I-295 and the Town Center area.
The Beaches and Arlington
Close to Mayport, with coastal homes in Atlantic, Neptune and Jacksonville Beach and more affordable options in Arlington.
Westside and Northside
New construction and the area’s most attainable prices, near NAS Jax and the port, popular with VA and FHA buyers.
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.”
Jacksonville Mortgage Rates: Frequently Asked Questions
What are today's Jacksonville mortgage rates?
The first rate panel on this page carries today’s Duval County purchase pricing, VA leading, and a second panel lower down covers refinances. Your rate depends on your loan amount, loan-to-value and credit tier. Because Jacksonville is affordable, many buyers qualify comfortably for FHA, VA and conventional financing.
Can I use a VA loan near NAS Jax or Mayport?
Absolutely. With NAS Jacksonville and Naval Station Mayport nearby, VA loans are very common here. Eligible service members and veterans get zero down payment, no monthly mortgage insurance and competitive rates. We handle the Certificate of Eligibility, funding-fee exemptions and PCS-timeline closings.
Is Jacksonville a good market for first-time buyers?
Yes. With typical prices near the low $300,000s and below-average insurance costs, Jacksonville is one of Florida’s most attainable big cities, and FHA’s 3.5%-down option pairs well with the price point.
Are there many condos to worry about in Jacksonville?
Less than in South Florida. Duval County leans single-family, so buyers face fewer condo-warrantability hurdles, though we still vet any condo or townhome association, including its reserves and inspections, before you commit.
How fast can On Mortgage close a loan in Jacksonville?
Timelines vary with the appraisal, title and your documents, but 30 days is a common target for a purchase. Our loan consultants know local underwriting and can move quickly, which matters for military families closing around PCS orders.
More for Jacksonville borrowers
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Get your Jacksonville rate quote
Whether you are reporting to NAS Jax or Mayport, buying your first home or refinancing, On Mortgage will price your Jacksonville loan across many lenders. Call or start a quote today.