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See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

Mortgage Rates in Florida | Refinance Rates | HSH Lender Showcase

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Displaying Today's Mortgage Rates for a $200,000 Refinance loan.
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Florida Mortgages

Florida's real estate market has had its ups and downs, and tracking FL mortgage rates is just as critical as getting the right price for home--be it a Naples waterfront condo or Gainesville single-family home. With up-to-date Florida mortgage rates reported at the state or metropolitan level, HSH.com gives you the information you need to run the numbers on one of our mortgage calculators.

If puzzling through various mortgage terms is as murky to you as navigating the Everglades, contact the experienced lenders with knowledge of local markets--they can give you the latest on current FL mortgage rates for your next home purchase or refinance.

Florida conventional mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2022 Conforming loan limits for Florida

County Name One Family Two Family Three Family Four Family
Alachua County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Baker County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Bay County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Bradford County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Brevard County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Broward County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Calhoun County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Charlotte County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Citrus County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Clay County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Collier County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Columbia County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Desoto County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Dixie County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Duval County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Escambia County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Flagler County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Franklin County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Gadsden County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Gilchrist County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Glades County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Gulf County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Hamilton County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Hardee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Hendry County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Hernando County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Highlands County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Hillsborough County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Holmes County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Indian River County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Jackson County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Jefferson County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lafayette County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lake County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Leon County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Levy County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Liberty County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Madison County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Manatee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Marion County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Martin County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Miami-dade County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Monroe County One Family$710,700 Two Family$909,800 Three Family$1,099,750 Four Family$1,366,750
Nassau County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Okaloosa County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Okeechobee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Orange County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Osceola County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Palm Beach County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Pasco County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Pinellas County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Polk County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Putnam County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Santa Rosa County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Sarasota County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Seminole County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
St. Johns County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
St. Lucie County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Sumter County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Suwannee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Taylor County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Union County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Volusia County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Wakulla County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Walton County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Washington County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
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