Mortgage Rates in Florida | Refinance Rates | HSH Lender Showcase

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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