Jacksonville, FL Mortgage Rates
Live Mortgage Rates in Jacksonville, Florida
6.490%
Jacksonville Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 2:58 PM UTC
Sourced live from hundreds of wholesale lenders serving Jacksonville and Florida
Jacksonville Benchmark Rates
Lowest available rate with no discount points paid in Jacksonville, FL for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Jacksonville, FL | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Jacksonville, FL | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · Jacksonville, FL | 5.990% | 6.021% |
2026 Loan Limits in Florida
Conforming
$832,750 baseline
High-cost Florida counties go up to $1,249,125 - Jacksonville may qualify depending on the specific property county.
FHA
$541,287
Standard FHA limit. Select high-cost Florida counties allow more, up to $1,249,125 - check your specific county.
About Jacksonville Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Jacksonville, Florida homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Florida and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Jacksonville property.
Your specific Jacksonville rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Florida lender network, use the Rate Direct pricer.
Jacksonville buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Florida, see the Florida DPA guide.
Get your personalized Jacksonville mortgage rate
The rates above are the market benchmark for Jacksonville. Your actual rate depends on your scenario.