Mortgage Rates in Pinellas County
Rates as of May 2026 · Mortgage Capital · NMLS# 1859012 · Licensed Florida mortgage broker
Mortgage rates in Pinellas County currently start near 6.875% for a 30-year fixed, with government-backed FHA, VA, and USDA loans often pricing below that. Rates change daily, so locking the right number with the right lender is what actually saves money.
With a county median around $370,000, a 30-year fixed with 20% down lands near $1,945 a month in principal and interest before taxes and insurance. As a licensed Florida mortgage broker (NMLS# 1859012), we shop the whole Pinellas County 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.
What drives mortgage rates in Pinellas County
Rates in Pinellas County follow the national bond market, but your personal rate comes down to credit score, down payment, and loan program. We control the part you can influence and time the part you cannot.
St. Petersburg and Clearwater anchor a dense, beach-lined county where condos and bungalows trade briskly. Inventory leans older here, so we keep FHA and renovation-friendly financing in the mix alongside conventional loans.
Payment estimates across Pinellas County
At the Pinellas County median of $370,000 with 20% down, principal and interest on a 30-year fixed run about $1,945 per month. Prices vary widely by city within the county, so your payment scales with your price point.
Florida insurance and property taxes sit on top of that figure. We build a realistic full payment for your target city in Pinellas County before you shop, not after.
Loan options for Pinellas County buyers
FHA, VA, USDA, conventional, jumbo, and investor loans are all available across Pinellas County. The right one depends on your down payment, credit, and whether the home is a primary residence, second home, or rental.
We match you to the program that prices best for your goals, then lock when the market cooperates.
Frequently asked questions
What are current mortgage rates in Pinellas County?
A 30-year fixed in Pinellas County is around 6.875% right now, with FHA and VA loans often lower. Your rate depends on your credit, down payment, and loan type.
What is a typical mortgage payment in Pinellas County?
On the county median of $370,000 with 20% down, principal and interest are roughly $1,945 a month on a 30-year fixed, before taxes and Florida insurance.
Which loan has the lowest rate in Pinellas County?
VA loans usually carry the lowest rate for eligible buyers, followed by USDA and FHA. We compare every program for your Pinellas County purchase.
Do you cover the whole of Pinellas County?
Yes. We are a licensed Florida mortgage broker (NMLS# 1859012) serving every city in Pinellas County.
How often do mortgage rates change?
Daily, and sometimes intraday when economic data moves the bond market. We monitor pricing and lock yours at the right moment.