Mortgage Rates in Jacksonville, Florida: 2026 Guide
30-year fixed: 6.68%. Median home price: $340,000.
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Current Mortgage Rates in Jacksonville
| Loan Type | Rate | APR | Monthly Payment* |
|---|---|---|---|
| 30-Year Fixed | 6.68% | 6.760% | $1,752/mo |
| 15-Year Fixed | 6.16% | 6.230% | $2,319/mo |
| 5/1 ARM | 6.06% | 6.410% | $1,641/mo |
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Jacksonville Market Insights
Jacksonville offers some of the most affordable housing among Florida’s major cities. The city’s large geographic footprint includes diverse neighborhoods from the urban Riverside and Avondale areas to the beach communities of Jacksonville Beach and Atlantic Beach. The military, logistics, and financial services sectors drive the local economy. Jacksonville’s affordability relative to other Florida coastal cities makes it popular with families and first-time buyers.
Frequently Asked Questions
What is the average mortgage rate in Jacksonville?+
The average 30-year fixed rate in Jacksonville is 6.68%.
Is Jacksonville affordable?+
Yes, with a median home price of $340,000, it’s one of Florida’s most affordable major cities.
What are property taxes like?+
Rate: 0.89%. Annual taxes on a median-priced home: $3,026.