What are current mortgage rates in Florida?

30-year fixed rates across Florida currently average around 6.75%. Local credit unions and online lenders sometimes beat the average — use the calculator above to model, then request a custom quote.

What is the average mortgage payment in Florida?

On an average-priced Florida home with 20% down, the typical monthly payment including taxes and insurance is approximately $2,670.

How much do I need to put down on a house in Florida?

It depends on the loan program. Conventional: 5-20%. FHA: 3.5%. VA and USDA: 0% for eligible borrowers.

Are property taxes high in Florida?

Florida's average property tax rate is around 1%, which is near the national average of ~1.1%.

What credit score do I need to buy a home in Florida?

Conventional loans typically require 620+. FHA accepts 580+ with 3.5% down. The higher your score, the better your rate.

Home Loan Types Refinance Florida

Florida Refinance Calculator

Compare Refinance options across Florida with local taxes and median prices baked in. Get a personalized rate quote in 2 minutes.

Home value ($)Mortgage balance ($)Current mortgage rate (%)Example new rate (%)Example closing costs ($)ZIP code

Example new principal & interest

$2,081/month

Example monthly savings: $197

Simple break-even: 26 months

30-year illustration excluding taxes, insurance and fees. Extending a loan term can reduce payments but increase total interest. Equity and loan approval are determined by a lender.