Florida mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Hillsborough County | 14,583 | 6.375% | $9,021 | 6.125% |
| Broward County | 13,736 | 6.5% | $10,856 | 6.375% |
| Miami-Dade County | 13,389 | 6.5% | $13,325 | 6.49% |
| Palm Beach County | 12,502 | 6.5% | $9,356 | 6.375% |
| Lee County | 11,734 | 6.375% | $9,372 | 6.25% |
| Orange County | 11,523 | 6.375% | $9,402 | 6.24% |
| Polk County | 11,313 | 6.125% | $9,426 | 6.125% |
| Duval County | 10,712 | 6.25% | $7,601 | 6.125% |
| Pasco County | 10,592 | 6.125% | $8,360 | 6.125% |
| Brevard County | 8,792 | 6.375% | $7,413 | 6.125% |
| Pinellas County | 8,122 | 6.5% | $7,644 | 6.25% |
| Marion County | 6,822 | 6.375% | $7,752 | 6.25% |
| Manatee County | 6,742 | 6.05% | $8,258 | 6.24% |
| Volusia County | 6,697 | 6.375% | $8,137 | 6.25% |
| Lake County | 6,372 | 6.25% | $8,774 | 6.25% |
| St. Johns County | 6,056 | 6% | $7,637 | 6.125% |
| Osceola County | 6,028 | 5.999% | $10,590 | 6.125% |
| Sarasota County | 5,685 | 6.375% | $7,311 | 6.25% |
| St. Lucie County | 5,427 | 6.25% | $9,966 | 6.25% |
| Seminole County | 4,426 | 6.49% | $8,381 | 6.25% |
| Hernando County | 3,692 | 6.375% | $8,957 | 6.125% |
| Charlotte County | 3,651 | 6.375% | $7,350 | 6.25% |
| Escambia County | 3,607 | 6.25% | $6,640 | 6.125% |
| Collier County | 3,598 | 6.5% | $8,924 | 6.375% |
| Santa Rosa County | 3,479 | 6.125% | $7,516 | 6.125% |
| Sumter County | 3,269 | 6.575% | $4,775 | 6.35% |
| Clay County | 3,147 | 6.125% | $8,305 | 6.124% |
| Okaloosa County | 2,982 | 6.125% | $8,219 | 5.99% |
| Bay County | 2,960 | 6.25% | $7,741 | 6.125% |
| Citrus County | 2,570 | 6.5% | $7,332 | 6.25% |
| Alachua County | 2,365 | 6.375% | $6,801 | 6.25% |
| Flagler County | 2,332 | 6.125% | $8,165 | 6.125% |
| Leon County | 2,276 | 6.5% | $6,752 | 6.125% |
| Indian River County | 1,949 | 6.49% | $7,216 | 6.25% |
| Martin County | 1,752 | 6.475% | $7,907 | 6.375% |
| Walton County | 1,487 | 6.25% | $8,382 | 6.125% |
| Nassau County | 1,449 | 6.365% | $7,790 | 6.125% |
| Highlands County | 1,116 | 6.624% | $7,415 | 6.25% |
| Putnam County | 726 | 6.625% | $7,103 | 6.375% |
| Wakulla County | 624 | 6.25% | $7,545 | 6.25% |
| Columbia County | 577 | 6.625% | $7,863 | 6.25% |
| Levy County | 550 | 6.625% | $7,561 | 6.25% |
| Monroe County | 516 | 6.5% | $13,330 | 6.25% |
| Hendry County | 490 | 6.5% | $9,599 | 6.49% |
| Suwannee County | 403 | 6.875% | $8,039 | 6.25% |
| Okeechobee County | 341 | 6.625% | $8,938 | 6.482% |
| Jackson County | 327 | 6.625% | $6,886 | 6.24% |
| Bradford County | 293 | 6.625% | $7,978 | 6.25% |
| Washington County | 283 | 6.25% | $7,415 | 6.25% |
| Gadsden County | 260 | 6.625% | $7,307 | 6.25% |
| Baker County | 259 | 6.49% | $8,716 | 6.25% |
| DeSoto County | 206 | 6.625% | $8,777 | 6.188% |
| Gilchrist County | 198 | 6.75% | $8,070 | 6.125% |
| Hardee County | 157 | 6.624% | $8,777 | 6.375% |
| Gulf County | 155 | 6.25% | $7,320 | 6.249% |
| Taylor County | 126 | 6.75% | $6,844 | 6.25% |
| Dixie County | 126 | 6.875% | $7,215 | 6.25% |
| Jefferson County | 123 | 6.625% | $8,258 | 6.25% |
| Holmes County | 122 | 6.75% | $6,376 | 6.5% |
| Glades County | 110 | 6.624% | $9,273 | 5.875% |
| Madison County | 106 | 6.75% | $7,123 | 6.375% |
| Hamilton County | 96 | 7.125% | $7,176 | 6.188% |
| Franklin County | 87 | 6.625% | $6,684 | 6.625% |
| Calhoun County | 84 | 6.75% | $7,293 | 6.5% |
| Union County | 77 | 6.875% | $7,991 | 6.312% |
| Lafayette County | 38 | 6.99% | $7,604 | 6.495% |
| Liberty County | 33 | 7.125% | $7,341 | 6.25% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.