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Jacksonville, FL Mortgage Rates Today

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Jacksonville, Florida

Current Mortgage Rates in Jacksonville

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Jacksonville housing market at a glance

September 2026 data

In Jacksonville, homes are selling in about 71 days (1 slower than a year ago), sales are down 0.5% from last year, and about 27% of listings have had a price cut.

Median sale price
$315,000
$181 per sq. ft.
Homes sold
6,508
▼ 0.5% vs. 6,543 last year
Days on market
71
vs. 70 days last year
Homes for sale
6,420
386 new listings
Listings with a price cut
27%
1,739 of 6,420 listings

Source: Movoto Jacksonville, FL market trends, September 2026. Last updated October 5, 2026.

What it costs to buy a home in Jacksonville

Monthly payments on Jacksonville's median home price of $315,000 (September 2026), at today's rates.

20% down · Conventional
$2,274/mo
Down payment
$63,000
Loan amount
$252,000
Rate
7.125%
Principal & interest
$1,698
Est. property tax
$213
Est. homeowners insurance
$364
5% down · Conventional
$2,592/mo
Down payment
$15,750
Loan amount
$299,250
Rate
7.125%
Principal & interest
$2,016
Est. property tax
$213
Est. homeowners insurance
$364
3.5% down · FHA
$2,608/mo
Down payment
$11,025
Loan amount
$309,295
Rate
6.875%
Principal & interest
$2,032
Est. property tax
$213
Est. homeowners insurance
$364

Payments include principal, interest, estimated Jacksonville property taxes, and estimated homeowners insurance. They do not include mortgage insurance (PMI or FHA monthly MIP), which applies with less than 20% down, or HOA dues. The FHA loan amount includes the 1.75% upfront mortgage insurance premium. These are examples based on the median price, not the sample loan used in the rate table above.

How much income do you need to buy a home in Jacksonville?

A common lender guideline is to keep your total housing payment (principal, interest, estimated Jacksonville property taxes, and estimated homeowners insurance) at or below 28% of your gross monthly income. Gross income is what you earn before taxes and other deductions come out of your paycheck. Based on that guideline, here's the yearly household income needed for Jacksonville's $315,000 median home:

20% down · Conventional$2,274/mo payment $97,458/yrabout $8,122/mo before taxes
5% down · Conventional$2,592/mo payment $111,101/yrabout $9,258/mo before taxes
3.5% down · FHA$2,608/mo payment $111,776/yrabout $9,315/mo before taxes

Why this matters: Keeping housing costs near 28% of your income leaves room for other bills, savings and the upkeep that comes with owning a home. It's a planning guideline, not a hard limit.

What lenders look at: Lenders also look at your debt-to-income (DTI) ratio, which adds your car, student loan and credit card payments to the new mortgage payment. Depending on the loan program and your credit, many lenders allow total debts of roughly 43% to 50% of gross income, so you may qualify with less income than shown, or need more if you carry other debt.

Household income counts: If you're buying with a partner or co-borrower, lenders can combine your incomes.

How rates change your payment

Principal and interest on a $252,000 loan (the Jacksonville median price with 20% down). Every 0.25% is worth about $42/mo.

Rate6.13%6.38%6.63%6.88%7.13%
today		7.38%
Monthly P&I$1,531$1,572$1,614$1,655$1,698$1,741

Ways to make a Jacksonville home more affordable

  • Negotiate on price. About 27% of Jacksonville listings have had a price cut, so many sellers are open to offers.
  • Ask for seller concessions. Homes take 71 days to sell, 1 more than last year. Sellers may cover closing costs or pay for a rate buydown.
  • Consider buying down your rate. On this example loan, a rate 0.5% lower saves about $84 a month.
  • Compare loan types. FHA rates are at 6.875% vs. 7.125% for conventional, with as little as 3.5% down. Compare by APR, including mortgage insurance.

Jacksonville mortgage and home buying FAQs

What are mortgage rates in Jacksonville today?

As of October 9, 2026, Lower’s 30-year fixed conventional rate in Jacksonville is 7.125% (7.438% APR), and the 30-year FHA rate is 6.875% (7.699% APR). Your rate depends on your credit, down payment, loan type and any points you pay. See the rate table above for points and full details.

What is the monthly payment on a median-priced home in Jacksonville?

On Jacksonville’s $315,000 median home price (September 2026), a 30-year conventional loan with 20% down at 7.125% comes to about $2,274 a month, including principal, interest, estimated Jacksonville property taxes, and estimated homeowners insurance. With an FHA loan and 3.5% down, it’s about $2,608 a month before monthly mortgage insurance.

How much income do I need to buy a house in Jacksonville?

To keep housing costs at 28% of gross (pre-tax) income, you’d need a household income of about $97,458 a year to buy Jacksonville’s $315,000 median home with 20% down, or about $111,776 with an FHA loan and 3.5% down. Lenders also consider your other debts, so the income you need may be higher or lower.

How much do I need for a down payment in Jacksonville?

On the $315,000 median home, 20% down is $63,000, 5% down is $15,750, and the FHA minimum of 3.5% is $11,025. Putting less than 20% down usually means paying mortgage insurance. You’ll also need money for closing costs.

Is it a buyer’s or seller’s market in Jacksonville right now?

In September 2026, Jacksonville homes sold in about 71 days, 1 days slower than a year earlier. 6508 homes sold, down from 6543 the year before, and about 27% of the 6420 homes for sale have had a price cut. Slower sales and frequent price cuts generally give buyers more room to negotiate than a year ago.

How much does a quarter-point rate change affect payments in Jacksonville?

On a $252,000 loan (the median Jacksonville home with 20% down), each 0.25% change in rate moves the principal and interest payment by about $42 a month, or about $508 a year.

How much are property taxes in Jacksonville?

Lower estimates Jacksonville property taxes at about 0.81% of a home’s value per year. On the $315,000 median home, that’s roughly $2,552 a year, or $213 a month. Your actual bill depends on your assessed value and any exemptions.

Market data: Movoto, September 2026. Homeowners insurance estimates are based on average annual premiums in Jacksonville from The Zebra; your quote will vary. Rates as of October 9, 2026. Examples only; not an offer of credit. Your rate and payment depend on your credit, down payment, loan type and other factors.

Loan officers in Jacksonville, FL

Local experts who can walk you through today's Jacksonville rates, your budget and the loan options that fit.

Libby Ford

Loan Officer

NMLS ID# 307696

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About

Sandy Seymour

Loan Officer

NMLS ID# 307635

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About

David Mordecai

Branch Manager

NMLS ID# 405511

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About
See all Jacksonville loan officers

Find Out Why Jacksonville Loves Lower

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By far the best lender to work with.

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August 16, 2026

5.0

Tyler made my home-buying experience great because he was knowledgeable, responsive, patient, and truly stayed on top of everything throughout the entire process. Buying a home can be stressful, especially when there are so many moving pieces, …but Tyler kept me informed, answered my questions, and made sure I understood what was happening every step of the way.

Chantel J.

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September 11, 2026

5.0

Farryl was excellent to work with. She was patient, responsive, and stayed involved through a complicated HELOC process. She kept me updated, helped solve every issue, and made sure the transaction was completed successfully. I truly appreciate… her professionalism and dedication.

Tobi N.

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July 19, 2026

5.0

Christina Klingman is so very ATTENTIVE and considerate PLUS she is available ALL THE TIME !! weekends, evenings 7 days a week. She is always there to assist and help . When you are a Realtor, like myself, questio…ns, issues, and potential new clients come up all the time, ( and you just CANT WAIT till Monday to get a response) and she is ALWAYS there to work tge deal and walk everyone through the process. If you use anyone else , your just going to get frustrated , Use Christina for a smooth and STRESS FREE mortgage transaction.

Patricia M.

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August 16, 2026

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Vito and his team always make it a smooth transaction!

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September 13, 2026

5.0

Quickness of everything

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July 22, 2026

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