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Mortgage refinance rates in Florida

3.000% Rate

FHA 15 Yr.

3.515% APR

$1,381 / month (est)

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Updated 7/24/2014

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3.250% Rate

FHA 15 Yr.

3.726% APR

$1,405 / month (est)

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Updated 7/24/2014

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2.7% FIXED Mortgage Rate
  • Low 10-Yr, 15-Yr, 30-Yr Rates. 3.3 APR*
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Florida Mortgages

Florida FHA mortgage

FHA Loans are government insured loans from the Federal Housing Administration and are an attractive option for homebuyers who want to refinance.

For Florida, 47 counties have a FHA loan limit of $271,050 and 20 counties range from $274,850 to $529,000.

As of January 1, 2014, HUD approves new lower loan limits to take effect for FHA single-family loans. The current standard loan limit for areas where housing costs are relatively low will remain unchanged at $271,050. The new national-ceiling loan limit for the very highest cost areas will be reduced from $729,750 to $625,500. See the chart below for loan limits in your county.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
Alachua $271,050 $347,000 $419,425 $521,250 $138,000
Baker $304,750 $390,100 $471,550 $586,050 $235,000
Bay $271,050 $347,000 $419,425 $521,250 $155,000
Bradford $271,050 $347,000 $419,425 $521,250 $80,000
Brevard $271,050 $347,000 $419,425 $521,250 $120,000
Broward $345,000 $441,650 $533,850 $663,450 $179,000
Calhoun $271,050 $347,000 $419,425 $521,250 $50,000
Charlotte $271,050 $347,000 $419,425 $521,250 $121,000
Citrus $271,050 $347,000 $419,425 $521,250 $77,000
Clay $304,750 $390,100 $471,550 $586,050 $235,000
Collier $448,500 $574,150 $694,000 $862,500 $250,000
Columbia $271,050 $347,000 $419,425 $521,250 $75,000
Desoto $271,050 $347,000 $419,425 $521,250 $56,000
Dixie $271,050 $347,000 $419,425 $521,250 $40,000
Duval $304,750 $390,100 $471,550 $586,050 $235,000
Escambia $271,050 $347,000 $419,425 $521,250 $156,000
Flagler $271,050 $347,000 $419,425 $521,250 $145,000
Franklin $271,050 $347,000 $419,425 $521,250 $197,000
Gadsden $271,050 $347,000 $419,425 $521,250 $154,000
Gilchrist $271,050 $347,000 $419,425 $521,250 $138,000
Glades $271,050 $347,000 $419,425 $521,250 $51,000
Gulf $271,050 $347,000 $419,425 $521,250 $155,000
Hamilton $271,050 $347,000 $419,425 $521,250 $30,000
Hardee $271,050 $347,000 $419,425 $521,250 $45,000
Hendry $271,050 $347,000 $419,425 $521,250 $51,000
Hernando $271,050 $347,000 $419,425 $521,250 $150,000
Highlands $271,050 $347,000 $419,425 $521,250 $65,000
Hillsborough $271,050 $347,000 $419,425 $521,250 $150,000
Holmes $271,050 $347,000 $419,425 $521,250 $55,000
Indian River $271,050 $347,000 $419,425 $521,250 $145,000
Jackson $271,050 $347,000 $419,425 $521,250 $67,000
Jefferson $271,050 $347,000 $419,425 $521,250 $154,000
Lafayette $271,050 $347,000 $419,425 $521,250 $45,000
Lake $274,850 $351,850 $425,300 $528,550 $157,000
Lee $271,050 $347,000 $419,425 $521,250 $150,000
Leon $271,050 $347,000 $419,425 $521,250 $154,000
Levy $271,050 $347,000 $419,425 $521,250 $50,000
Liberty $271,050 $347,000 $419,425 $521,250 $61,000
Madison $271,050 $347,000 $419,425 $521,250 $43,000
Manatee $285,200 $365,100 $441,300 $548,450 $170,000
Marion $271,050 $347,000 $419,425 $521,250 $85,000
Martin $316,250 $404,850 $489,350 $608,150 $175,000
Miami-Dade $345,000 $441,650 $533,850 $663,450 $179,000
Monroe $529,000 $677,200 $818,600 $1,017,300 $350,000
Nassau $304,750 $390,100 $471,550 $586,050 $235,000
Okaloosa $325,450 $416,600 $503,600 $625,850 $264,000
Okeechobee $271,050 $347,000 $419,425 $521,250 $49,000
Orange $274,850 $351,850 $425,300 $528,550 $157,000
Osceola $274,850 $351,850 $425,300 $528,550 $157,000
Palm Beach $345,000 $441,650 $533,850 $663,450 $179,000
Pasco $271,050 $347,000 $419,425 $521,250 $150,000
Pinellas $271,050 $347,000 $419,425 $521,250 $150,000
Polk $271,050 $347,000 $419,425 $521,250 $94,000
Putnam $271,050 $347,000 $419,425 $521,250 $41,000
Santa Rosa $271,050 $347,000 $419,425 $521,250 $156,000
Sarasota $285,200 $365,100 $441,300 $548,450 $170,000
Seminole $274,850 $351,850 $425,300 $528,550 $157,000
St. Johns $304,750 $390,100 $471,550 $586,050 $235,000
St. Lucie $316,250 $404,850 $489,350 $608,150 $175,000
Sumter $271,050 $347,000 $419,425 $521,250 $188,000
Suwannee $271,050 $347,000 $419,425 $521,250 $50,000
Taylor $271,050 $347,000 $419,425 $521,250 $55,000
Union $271,050 $347,000 $419,425 $521,250 $59,000
Volusia $271,050 $347,000 $419,425 $521,250 $145,000
Wakulla $271,050 $347,000 $419,425 $521,250 $154,000
Walton $325,450 $416,600 $503,600 $625,850 $264,000
Washington $271,050 $347,000 $419,425 $521,250 $70,000