Rates tracker
Florida mortgage rates
Today's Florida averages, how rates have moved nationally over the past two years, and what that means for a typical home in our counties.
Current Florida rates
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Two-year trend (national)
Weekly U.S. averages from Freddie Mac's Primary Mortgage Market Survey. Florida rates usually track these closely but are not identical.
Source: Freddie Mac PMMS
Latest week: October 8, 2026
Our Florida rate updates
Every time we update our Florida rates, the change is saved here. This log started October 2026.
| Date | Program | Rate |
|---|---|---|
| No updates logged yet. | ||
County breakdown at the latest 30-year rate
Lenders don't set rates by county, so this shows what Freddie Mac's latest weekly 30-year average (7.40%, week of October 8, 2026) means for each county's reported median home price, with 20% down.
Polk County
Median $311,230 · September 2026
- Principal & interest
- $1,724/mo
- Loan amount
- $248,984
- Note doc stamps
- $872
- Intangible tax
- $498
Kissimmee (Osceola County)
Median $388,000 · September 2026
- Principal & interest
- $2,149/mo
- Loan amount
- $310,400
- Note doc stamps
- $1,086
- Intangible tax
- $621
Estimates only. Excludes taxes, insurance, HOA fees, and lender costs. Not a loan offer.