State Index · Mortgage Rate · Florida · 2026

6.23%

Average Mortgage Rate in Florida

Rank #10 of 501.0% of national averageSource: Freddie Mac PMMS (Week of 2026-04-23)

Florida ranks #10 of 51 for 30-year mortgage rate in 2026.

Florida mortgage payment calculator →Compare states Download image

PMMS publishes a NATIONAL weekly 30-yr fixed rate; state-level rate data is not freely available from Freddie Mac. MVP replicates the national rate across all 50 states + DC with value_json.note flagging the limitation. State-level mortgage rate ETL (FHFA MIRS or aggregate CFPB HMDA) is a future roadmap item. Licensing: PMMS values are publicly published and attributable to Freddie Mac; no licensing concern for display with attribution.

Freddie Mac PMMS, Week of 2026-04-23 · updated Apr 2026

30-Year Fixed Mortgage Rate by State map showing 51 states. Hover or tap a state for details.

Loading map…

Full ranking

All 50 states ranked

Source: Freddie Mac PMMS (Week of 2026-04-23)

Rank	State	30-Year Fixed Mortgage Rate	% of US
1	Alabama	6.23%	1.0%
2	Alaska	6.23%	1.0%
3	Arizona	6.23%	1.0%
4	Arkansas	6.23%	1.0%
5	California	6.23%	1.0%
6	Colorado	6.23%	1.0%
7	Connecticut	6.23%	1.0%
8	Delaware	6.23%	1.0%
9	District of Columbia	6.23%	1.0%
10	Florida	6.23%	1.0%

Show all 50 states (41 more) ↓

11	Georgia	6.23%	1.0%
12	Hawaii	6.23%	1.0%
13	Idaho	6.23%	1.0%
14	Illinois	6.23%	1.0%
15	Indiana	6.23%	1.0%
16	Iowa	6.23%	1.0%
17	Kansas	6.23%	1.0%
18	Kentucky	6.23%	1.0%
19	Louisiana	6.23%	1.0%
20	Maine	6.23%	1.0%
21	Maryland	6.23%	1.0%
22	Massachusetts	6.23%	1.0%
23	Michigan	6.23%	1.0%
24	Minnesota	6.23%	1.0%
25	Mississippi	6.23%	1.0%
26	Missouri	6.23%	1.0%
27	Montana	6.23%	1.0%
28	Nebraska	6.23%	1.0%
29	Nevada	6.23%	1.0%
30	New Hampshire	6.23%	1.0%
31	New Jersey	6.23%	1.0%
32	New Mexico	6.23%	1.0%
33	New York	6.23%	1.0%
34	North Carolina	6.23%	1.0%
35	North Dakota	6.23%	1.0%
36	Ohio	6.23%	1.0%
37	Oklahoma	6.23%	1.0%
38	Oregon	6.23%	1.0%
39	Pennsylvania	6.23%	1.0%
40	Rhode Island	6.23%	1.0%
41	South Carolina	6.23%	1.0%
42	South Dakota	6.23%	1.0%
43	Tennessee	6.23%	1.0%
44	Texas	6.23%	1.0%
45	Utah	6.23%	1.0%
46	Vermont	6.23%	1.0%
47	Virginia	6.23%	1.0%
48	Washington	6.23%	1.0%
49	West Virginia	6.23%	1.0%
50	Wisconsin	6.23%	1.0%
51	Wyoming	6.23%	1.0%

Updated 2026-04-25. Click any state for the full breakdown.

FAQ

Florida mortgage rate: common questions

What is the average mortgage rate in Florida?

Florida mortgage rate is 6.23% as of Week of 2026-04-23, according to Freddie Mac PMMS. That puts Florida at rank #10 of 50 US states, below the national average of 623.00%.

How does Florida compare to nearby states?

Among Florida's neighbors, Georgia shows 6.23%, Alabama shows 6.23%. Use the CalcFi compare view to line all of them up: /maps/compare?cat=mortgage&states=fl,ga,al. Nearby states share labor markets and housing corridors, so the comparison is usually the most relevant one.

Which Florida metros have the highest mortgage rate?

Top Florida metros include Miami, Tampa, and Orlando. City-level mortgage rate data drops in Q3 2026 once BLS releases its metro-area tables for the year. Tallahassee is the state capital. Until then, the state-level number is the best available read.

What mortgage rate should I expect in Florida?

The current 30-year fixed average in Florida is 6.23% per Freddie Mac PMMS, adjusted for state spread. Your actual rate depends on credit score, down payment, loan type, and lender competition. Use the mortgage payment calculator to see the monthly cost at your expected rate.

Top Florida cities · 30-Year Fixed Mortgage Rate by State

15 cities ranked by 30-year fixed mortgage rate by state. Lower is better.

Compare top 3 →

Note: 30-year fixed rates are reported national/state-level (Freddie PMMS). City affordability shown as median home price.

Methodology

Freddie Mac Primary Mortgage Market Survey 30-yr fixed national weekly average. State-level rate data is not freely published; the national rate is replicated across states with disclosure. Updated weekly via FRED MORTGAGE30US.