Guide
How Florida buyers should use this benchmark
Florida mortgage shoppers should compare interest rates together with insurance assumptions, flood risk, and closing costs.
Updated July 02, 2026
Mortgage Rates Today in Florida
Florida borrowers can use the national PMMS benchmark as a starting point, then adjust for homeowners insurance, flood risk, HOA dues, and occupancy type.
Data source: Freddie Mac PMMS. Rates are planning benchmarks, not guaranteed lender offers.
Featured benchmark
6.43%APR 6.58%
Weekly PMMS benchmark for conforming purchase loans
Current rate table
Compare the weekly fixed-rate benchmark with a refinance planning estimate before requesting personalized quotes.
30-Year Fixed
Weekly PMMS benchmark for conforming purchase loans
Rate
6.43%
APR
6.58%
15-Year Fixed
Shorter term with lower lifetime interest
Rate
5.79%
APR
5.94%
Refinance Planning
Planning estimate based on the 30-year benchmark plus lender spread
Rate
6.58%
APR
6.73%
Calculator
Florida mortgage payment estimate
Estimate principal and interest with the current fixed-rate benchmark, then add local tax, insurance, and HOA assumptions for a full payment view.
Estimated monthly principal and interest
$2,133
Loan principal$340,000
Total interest$428,025
Total paid$768,025
Guide
What to verify with Florida lenders
Ask whether the quote assumes a primary residence, second home, or investment property, because occupancy can change pricing.
Frequently asked questions
Are Florida mortgage rates different from national rates?
They can be. National averages are useful benchmarks, but actual quotes vary by lender, borrower profile, loan size, property type, occupancy, points, and local market factors.
How many Florida mortgage quotes should I compare?
Compare at least three quotes on the same day, and review APR, lender fees, points, credits, lock period, and cash-to-close before choosing.
Related mortgage tools
Mortgage Rates Today
See current mortgage rates today, compare 30-year and 15-year fixed benchmarks, and estimate monthly payments.
30-Year Fixed Mortgage Rates
Track 30-year fixed mortgage rates, estimate a monthly payment, and compare lender quotes.
15-Year Fixed Mortgage Rates
Compare 15-year fixed mortgage rates and estimate payments for a shorter loan term.
Refinance Rates Today
Compare refinance rate benchmarks and estimate whether refinancing could lower your monthly payment.
Refinance Calculator
Estimate refinance savings, break-even timing, and payment changes using current mortgage rate assumptions.