Mortgage Rates in North Florida
Rates as of May 2026 · Mortgage Capital · NMLS# 1859012 · Licensed Florida mortgage broker
Mortgage rates across North Florida start near 6.875% for a 30-year fixed, with FHA, VA, and USDA options often lower. North Florida covers Jacksonville, Gainesville, and the counties along the Georgia border, among the most affordable parts of the state.
With a regional median around $330,000, a 30-year fixed with 20% down runs roughly $1,734 a month in principal and interest before taxes and insurance. As a licensed Florida mortgage broker (NMLS# 1859012), we shop the entire North Florida market for your rate.
| Loan Product | Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed | 6.875% | 6.943% | 0.5 |
| 15-Year Fixed | 6.250% | 6.338% | 0.5 |
| FHA 30-Year Fixed | 6.625% | 7.412% | 0.0 |
| VA 30-Year Fixed | 6.375% | 6.511% | 0.0 |
| USDA 30-Year Fixed | 6.500% | 7.089% | 0.0 |
| Jumbo 30-Year Fixed | 6.990% | 7.050% | 0.5 |
| 5/1 ARM | 6.125% | 6.887% | 0.0 |
| Cash-Out Refi 30-Yr | 7.125% | 7.210% | 0.5 |
Sample rates as of May 2026, for illustration only. Your actual rate depends on credit, down payment, loan amount, and program. Not a commitment to lend.
The North Florida rate picture
North Florida pricing follows the national market, but your personal rate is driven by credit, down payment, and loan type. Across Jacksonville, Gainesville, and the counties along the Georgia border, the same buyer profile should expect the same rate, with the difference showing up in home prices, not interest rates.
Because North Florida is among the most affordable parts of the state, the loan program that fits varies a lot from one buyer to the next. We compare lenders to land the best rate for your specific scenario.
Payments and affordability in North Florida
At a $330,000 median with 20% down, principal and interest on a 30-year fixed run about $1,734 a month across North Florida. Insurance and taxes are added on top and vary by county within the region.
We build a realistic full payment for your target area in North Florida up front, so the rate you lock translates into a payment you can actually carry.
Choosing a loan in North Florida
Every major program is available throughout North Florida: FHA and VA for lower down payments, conventional and jumbo for higher price points, and DSCR or investment loans for rentals.
We match you to the program and lender that price best for your goals, then time the lock to the market.
Frequently asked questions
What are mortgage rates in North Florida?
A 30-year fixed across North Florida is around 6.875% right now, with FHA and VA loans often lower. Your exact rate depends on your file, not your location within the region.
Is North Florida an expensive place to buy?
North Florida is among the most affordable parts of the state, with a regional median near $330,000. Prices vary widely by county, so your budget goes further in some areas than others.
What is a typical payment in North Florida?
On a $330,000 home with 20% down, principal and interest run about $1,734 a month on a 30-year fixed, before Florida taxes and insurance.
Which counties are in North Florida?
North Florida covers Jacksonville, Gainesville, and the counties along the Georgia border.
Do you serve this whole region?
Yes. We are a licensed Florida mortgage broker (NMLS# 1859012) serving every county in the region.