Compare Current Jacksonville, Florida Mortgage Rates

Compare Jacksonville, FL mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Jacksonville.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Jacksonville. Plus, shopping lenders is free and there is no obligation.

Jacksonville, FL Mortgage Rates as of September 30, 2023
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Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.

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Compare Today's Jacksonville, FL Mortgage Rates

September 30, 2023

Current mortgage rates in Jacksonville, FL are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Jacksonville, FL Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Jacksonville, Florida?

Below we provide helpful information on the real estate market, home prices and housing affordability in Jacksonville. Understand how much you need to earn to afford a home in Jacksonville, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Jacksonville fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Jacksonville is right for you.

The median home value for Jacksonville, FL (Duval County) is $294,552

Based on current mortgage rates and a 10% down payment, you need to make $61,448 per year to buy the median priced home in Jacksonville

With this income, you could qualify for a $265,097 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Jacksonville is $1,423

The median household income for Jacksonville, FL (Duval County) is $60,856

Based on this income, you can afford a home valued at approximately $291,711

The home price you can afford to buy based on household income in Jacksonville is 99% of the median home value which means housing prices are expensive. Jacksonville (Duval County) ranks 41 out of 67 counties in Florida and 2,820 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Jacksonville, FL is expensive


Loan Limits for Jacksonville, Florida

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Jacksonville (Duval County) below.

Conforming loan limits for Jacksonville, FL

1 unit: $726,200
2 units: $929,850
3 units: $1,123,900
4 units: $1,396,800

FHA loan limits for Jacksonville, FL

1 unit: $526,700
2 units: $674,250
3 units: $815,050
4 units: $1,012,900

VA loan limits for Jacksonville, FL

1 unit: $726,200

Additional Mortgage Resources for Jacksonville, FL Residents

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