Live Rates · Updated April 24, 2026

South Florida's #1 Mortgage Rate Guide

Live rates from Freddie Mac. Expert analysis across 48 Florida cities. Make your home purchase with confidence.

30-Year Fixed

▼ 0.05% this week

15-Year Fixed

▼ 0.04% this week

▲ 0.02% this week

Calculate My Payment →Browse All 48 Cities

Why FloridaRates.com

Built for Florida Home Buyers

Rates updated weekly from Freddie Mac via the Federal Reserve's FRED database. Always current, always accurate.

Comprehensive coverage of every major Florida market with median home prices, tax rates, and cost of living data.

Factor in taxes, insurance, and HOA fees. Get the true picture of your monthly costs with full amortization breakdown.

Mortgage Calculator

Calculate Your Payment

Live rates auto-populate · Adjust any variable to see your exact monthly cost

Fetching live rates from FRED…

Home price$485K

Down payment20% · $97K

Interest rate6.87%

Property tax0.90%/yr

Insurance$2,400/yr

HOA / moNone

Total Monthly Payment

P&I + taxes + insurance

Principal & interest

Tax + insurance

Down payment

Total cost over 30 years

Rate History

How Rates Have Moved

12-month view of the 30-year fixed national average

Enter your income and debts. See your maximum home price and which Florida cities fit your budget.

Find your break-even year. See cumulative cost of renting vs buying in any Florida city over time.

Side-by-side comparison of home prices, rent, cost of living, income, and taxes across any Florida cities.

Browse by City

Compare Florida Cities

Tap any city for mortgage rates, home prices, property taxes, and cost of living.

Mortgage rates sourced from Freddie Mac via FRED · Federal Reserve Bank of St. Louis

South Florida's #1 Mortgage Rate Guide

Built for Florida Home Buyers

Live Rate Data

48 Florida Cities

Smart Calculator

Calculate Your Payment

How Rates Have Moved

What Can I Afford?

Rent vs Buy

Compare Cities

Compare Florida Cities

Powered by Federal Reserve Data