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New Port Richey

Current Mortgage Rates in New Port Richey, Florida

Compare mortgage rates and fees for leading lenders in New Port Richey, FL. 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 lender offering the best mortgage rates in New Port Richey.

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

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Mortgage Rates in New Port Richey, FL as of October 20, 2019
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Input your information to receive personalized mortgage quotes from preferred lenders. Comparing proposals from multiple lenders is the best way to save money on your mortgage.

Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click for more information on rates and product details.

How Do Today's New Port Richey, FL Mortgage Rates Compare?

October 20, 2019

The current average rate for a 30 year fixed rate mortgage in New Port Richey is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Today's
New Port Richey, FL Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.690%
15 Year Fixed Rate
B.BBB%
3.150%
5/1 Adjustable Rate Mortgage
C.CCC%
3.350%

How Affordable is Housing in New Port Richey, Florida?

The median home value for New Port Richey, FL (Pasco County) is $178,942

The median household income for New Port Richey, FL (Pasco County) is $49,765

Based on current mortgage rates and a 10% down payment, you need to make $33,199 per year to buy the median priced home in New Port Richey

The home price you can afford to buy based on household income in New Port Richey is 150% of the median home value which means housing prices are average

New Port Richey (Pasco County) ranks 35 out of 67 counties in Florida and 2,541 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in New Port Richey, FL is average

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Loan Limits for New Port Richey, Florida

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

Conforming loan limits for New Port Richey, FL

1 unit: $484,350
2 units: $620,200
3 units: $749,650
4 units: $931,600

FHA loan limits for New Port Richey, FL

1 unit: $314,827
2 units: $403,125
3 units: $487,250
4 units: $605,525

VA loan limits for New Port Richey, FL

1 unit: $484,350

Additional Mortgage Resources for New Port Richey, FL Residents

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Sources

US Census Bureau American Community Survey: https://www.census.gov/programs-surveys/acs

FHFA House Price Index: https://www.fhfa.gov/DataTools/Downloads/Pages/House-Price-Index-Datasets.aspx#qat

Income Growth: https://www.bls.gov

National Average Rates: http://www.freddiemac.com/pmms/

Conforming Loan Limits: https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx

FHA Loan Limits: https://entp.hud.gov/idapp/html/hicostlook.cfm

VA Loan Limits: https://www.benefits.va.gov/homeloans/purchaseco_loan_limits.asp

FREEandCLEAR Housing Affordability Index