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Today’s West Palm Beach Mortgage Rates
Live Palm Beach County mortgage rates for West Palm Beach houses, townhomes and downtown condos. We price the rate, the points and the escrow together, because in this county insurance can move your payment as much as an eighth of a point.
See Live West Palm 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 Palm Beach 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 West Palm Beach scenario, no credit pull.
West Palm Beach’s Mortgage Broker Offering the Lowest Rates
We specialize in West Palm Beach residential mortgages.
West Palm Beach has drawn a steady stream of buyers from New York, New Jersey and the Northeast as financial and professional firms opened offices downtown. Many arrive with strong income but complicated paperwork: a recent job change, equity compensation, a home still to sell up north. A retail bank applies one set of rules. As a broker, On Mortgage places the file with the wholesale lender whose rules fit it, and compares their prices on the same day.
Start with the Palm Beach County rate finder for your own scenario, or see what our West Palm Beach mortgage broker guide says about relocating from out of state.
West Palm Beach Mortgage Rates Today: Unlock the Best Deals for Your Home Loan
This morning’s headline 30-year fixed in Palm Beach County is 6.625% (11/9/2026). That is the par price, meaning no points paid and no lender credit taken. It is one row on a menu, not the only option.
Every lender publishes a range of rates for the same loan. Lower rates cost points up front; higher rates come with a credit toward closing costs. For a buyer putting 10% down on a $425,000 West Palm Beach home, today’s menu from our pricing engine looks like this:
| Rate on a $382,500 loan | APR | Points cost or lender credit | Payment vs. par | Points pay back in |
|---|---|---|---|---|
| 6.500% | 6.635% | You pay $2,391 | $63/mo less | 38 months |
| 6.625% | 6.730% | You pay $1,155 | $32/mo less | 37 months |
| 6.750% | 6.803% | You receive $956 | Same | Not applicable |
| 6.875% | 6.880% | You receive $2,869 | $32/mo more | Not applicable |
| 7.000% | 7.000% | You receive $4,781 | $64/mo more | Not applicable |
Palm Beach County owner-occupied conventional pricing on a 30-year fixed, 30-day lock. A loan above 80% of value also carries private mortgage insurance, which is not shown. Rates change during the day.
How to read it: if you expect to keep the loan longer than the payback period, buying the rate down can pay off. If you expect to refinance or sell within a few years, a lender credit that covers part of your closing costs is often the smarter choice. Relocators who may move again, or who expect rates to fall, frequently take the credit.
West Palm 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 Palm Beach County primary-residence single-family loan, 20% equity and top-tier credit. Condo, cash-out and investment refinances carry their own pricing. Price your own West Palm Beach scenario, no credit pull.
Owners who bought in West Palm Beach during the run-up in prices often have more equity than they realize. That equity opens three doors: dropping private mortgage insurance, a lower rate if the market cooperates, or cash out for an impact-window and roof upgrade that can also bring the insurance premium down.
That last one deserves a closer look in Palm Beach County. Wind-mitigation credits for impact openings and a newer roof can trim a meaningful share of the premium, which lowers the escrow and offsets part of the new loan payment. Check the math in our refinance calculator, and see the refinance guide for each loan type.
West Palm Beach 30-Year Mortgage Rates: Long-Term Stability for Homebuyers
The 30-year fixed is the default here for a simple reason: Palm Beach County escrow is high, and the longer term keeps the total payment manageable while taxes and insurance do their part. The county carries the highest average homeowners insurance of South Florida’s three big counties. Here is the escrow on a homesteaded $425,000 single-family home in Palm Beach County and its neighbors, from the same data our calculators use:
| County, $425,000 home | County average insurance | Insurance scaled to this price | Homestead property tax | Monthly escrow |
|---|---|---|---|---|
| Palm Beach (West Palm Beach) | $6,412/yr | $3,613/yr | $5,100/yr at 18.72 mills | $726/mo |
| Broward | $6,220/yr | $3,613/yr | $5,100/yr at 19.84 mills | $726/mo |
| Miami-Dade | $6,023/yr | $3,613/yr | $5,100/yr at 17.59 mills | $726/mo |
| Martin | $5,993/yr | $3,613/yr | $5,100/yr at 15.47 mills | $726/mo |
| St. Lucie | $3,522/yr | $3,613/yr | $5,100/yr at 22.85 mills | $726/mo |
County average premiums and total millage; Florida’s statewide average premium is $3,355 a year. City millage inside each county varies, flood insurance is separate, and a non-homestead property pays tax on a larger taxable value.
West Palm Beach sits at the top on insurance but not on property tax, where St. Lucie County’s higher millage outweighs its cheaper premiums. The takeaway for your rate shopping: on a loan this size, a quarter point of rate moves the payment by about as much as a $700 to $800 difference between two annual insurance quotes. Shop both.
West Palm Beach Best Mortgage Lenders: Your Trusted Partner in Home Financing
Relocation-friendly lenders
Comfortable with a new Florida job offer, a contingent sale up north or a bridge loan to buy first.
Bonus and equity-pay underwriters
For finance and professional-services income with RSUs, deferred bonuses or partnership draws.
New-construction condo lenders
Downtown towers still under developer control are often non-warrantable; specialist lenders finance them.
Historic-home lenders
For 1920s houses in El Cid, Flamingo Park and Northwood, where appraisals and insurance need care.
Jumbo lenders
For Intracoastal and South End homes above the county conforming limit; see West Palm Beach jumbo rates.
Investor lenders
Rentals qualified on lease income; see West Palm Beach DSCR loans.
West Palm Beach FHA Loan Rates: Affordable Homeownership Solutions
FHA remains a strong option for West Palm Beach first-time buyers, especially in the city’s western and northern neighborhoods and in older townhome communities. Expect a 3.5% minimum down payment with a credit score of 580 or more, generous debt-to-income limits and the ability to use gift funds or approved down payment assistance.
Palm Beach County’s FHA loan limit is set by its high home values, so it reaches comfortably past the citywide median. As with condos anywhere, the building must be on FHA’s approved list; newer downtown towers and older complexes with high investor ownership often are not. See the West Palm Beach FHA loan guide for current limits.
Find the Best West Palm Beach Mortgage Rates with On Mortgage
The county seat of Palm Beach County mixes a walkable downtown, waterfront neighborhoods along Flagler Drive and quieter suburbs to the west. On Mortgage brings competitive rates and loan options to each of them, for buyers moving in, owners refinancing and investors adding a rental.
West Palm Beach’s Real Estate Market Overview
By mid-2026, the middle of the West Palm Beach market sat close to $425,000, though that figure blends very different housing. Condos and villas off Okeechobee Boulevard and in the suburbs west of I-95 trade well below it, while historic houses near the water and new downtown residences trade far above. With more homes listed than a few years ago, buyers have room to negotiate on price and closing costs.
Downtown West Palm and Local Living
Downtown runs from Clematis Street’s restaurants and the waterfront to The Square, with the Kravis Center and the Norton Museum of Art close by. The Brightline station puts Miami and Orlando a train ride away, and Palm Beach International Airport is minutes from downtown.
Downtown condos
Walk-everywhere living. Ask early about the association’s budget, reserves and whether the developer still controls the board, since all three shape the loan.
Historic neighborhoods
El Cid, Flamingo Park and Northwood offer older homes with character; insurers look closely at roofs, wiring and plumbing.
South of Southern
Smaller homes and newer infill near the Intracoastal, popular with professionals working downtown.
Western suburbs
Gated communities and townhomes with lower prices and HOA amenities, a frequent fit for FHA and first-time buyers.
West Palm Beach homeowners insurance and property taxes
The table above compares counties; this box zooms in on a single homesteaded West Palm Beach house at the median price. Inside city limits, the city’s own levy and special districts are added to the county figure, so check the exact parcel before you finalize a budget.
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.
West Palm Beach Mortgage Rate Trends
Values in West Palm Beach have continued to rise, though more slowly than during the boom, while demand stays firmest near the Intracoastal and downtown. More inventory means buyers can be selective, and sellers are more willing to pay closing costs or fund a temporary rate buydown.
Insurance is the other trend worth watching. Florida’s 2022 and 2023 reforms brought new carriers into the state, and some Palm Beach County owners have seen renewal quotes level off. We track rates daily and can tell you when your scenario has improved enough to act on.
Why Choose On Mortgage for the Best West Palm Beach Mortgage Rates?
Palm Beach County rewards careful shopping. Here is what we bring to it:
Competitive mortgage rates for primary and vacation homes
Year-round and seasonal residences, priced across many wholesale lenders.
FHA loans with low down payment options
For first-time buyers in single-family homes, townhomes and approved condos.
VA loans with exclusive benefits for veterans
Zero down and no monthly mortgage insurance; see West Palm Beach VA rates.
Refinancing solutions to secure lower mortgage rates
Lower rates, PMI removal and cash out for storm hardening.
Jumbo loans for high-value and waterfront properties
Flagler Drive, South End and Intracoastal homes above conforming limits.
Total-payment focus
We weigh insurance and taxes alongside the rate, the way lenders will.
Our Reviews
What Florida borrowers say after closing with On Mortgage. Five stars on Google (130 reviews) and Zillow (92 reviews).
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West Palm Beach mortgage rates: your questions
What are mortgage rates in Palm Beach County today?
The live tables at the top of this page show today’s Palm Beach County pricing, updated from our lender rate sheets. Your own rate depends on credit score, down payment, loan size, occupancy and property type, so use the rate finder or call for a quote on your exact scenario.
Should I pay points on a West Palm Beach mortgage?
Only if you will keep the loan long enough. The ladder above shows how many months it takes for the lower payment to repay the points. If you might sell, move or refinance before then, a lender credit or par pricing usually costs less overall.
Why is homeowners insurance so high in West Palm Beach?
Coastal wind risk and Florida’s insurance market both play a part, and Palm Beach County has the highest average premium of the three South Florida counties. A newer roof, impact windows and doors, and a wind-mitigation inspection can lower it. We get a quote early so the payment you are approved on is accurate.
Can I buy in West Palm Beach before selling my home up north?
Often, yes. Depending on your income, a lender may count both payments and approve you, or a bridge loan can tap the equity in your current home. Some buyers instead make a contingent offer, which is more realistic in today’s more balanced market.
Are downtown West Palm Beach condos harder to finance?
Some are. New buildings where the developer still controls the association, and buildings with many investor-owned or rented units, may not meet Fannie Mae or Freddie Mac rules. Specialist lenders finance these at slightly different pricing. We check the building before you sign a contract.
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Contact On Mortgage for the Best West Palm Beach Mortgage Rates
Buying downtown, moving from out of state or refinancing a house you already own, On Mortgage will price your West Palm Beach loan across many lenders and show you the total payment, insurance included. Call today or start a quote online.