Tampa, FL Mortgage Rates
Live Mortgage Rates in Tampa, Florida
6.490%
Tampa 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 Tampa and Florida
Tampa Benchmark Rates
Lowest available rate with no discount points paid in Tampa, FL for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Tampa, FL | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Tampa, FL | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · Tampa, FL | 5.990% | 6.021% |
2026 Loan Limits in Florida
Conforming
$832,750 baseline
High-cost Florida counties go up to $1,249,125 - Tampa 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 Tampa Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Tampa, 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 Tampa property.
Your specific Tampa 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.
Tampa 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 Tampa mortgage rate
The rates above are the market benchmark for Tampa. Your actual rate depends on your scenario.