Mortgage Rates 2026 — FL, TX, CA, GA, NC & AZ

Quick Answer

The national 30-year fixed average was 7.28% in Freddie Mac's Primary Mortgage Market Survey for the week of October 1, 2026, and has ranged from 5.98% to 7.28% so far in 2026. Home values differ widely across the cities we cover, so even a 0.25% rate difference can be worth thousands over a 30-year loan. FHA loans (3.5% down, 580+ credit) are available across all 36 cities covered here, with limits ranging from $541,287 in standard counties to $1,249,125 in California's high-cost markets like LA and San Jose.

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📺 Watch: How Much Home Can You Really Afford in 2026?

Correction (October 20, 2026): the HUD area median incomes and affordability ratios spoken in this video (Atlanta’s $96,200 and 1.17; Charlotte 1.16, Raleigh 1.12, Austin 1.26) did not match HUD’s FY2026 Income Limits. HUD’s FY2026 area median family income is $117,800 for Atlanta, $117,400 for Charlotte, $132,300 for Raleigh and $134,400 for Austin; at the study’s current 7.28% rate and NAR Q3 2026 prices their ratios are 0.92, 1.06, 1.00 and 1.00. See Table 1 of the corrected study. This note covers only the area medians and ratios.

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About Mortgage Rates & Lenders 2026 — All States

Florida, Texas, California, Georgia, North Carolina, and Arizona are six of the fastest-growing housing markets in the country. Whether you're buying in Houston's competitive market, refinancing in Atlanta, navigating California's high-balance loan limits, or shopping Charlotte's rapidly appreciating prices — finding the right lender at the right rate is the most important financial decision most homebuyers will make.

Dreamy Leads Research compares mortgage lenders, FHA loan specialists, and refinance options across all 36 cities we cover. We work with NMLS-licensed loan officers who specialize in each state's market, including local down payment assistance programs, state-specific requirements, and current rate environments.

Whether you're a first-time buyer exploring FHA loans with a 580 credit score, a move-up buyer comparing jumbo options, or a homeowner evaluating a cash-out refinance, our free matching service connects you with the right lender in under 60 seconds.

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All Mortgage Guides — All 6 States

Mortgage Rates by City (3)

Home Loan Rates by State (6)

Refinance Calculator by State (6)

State Guides

In-Depth State Guides — 2026

Comprehensive statewide coverage, cost data, provider tables, and legal requirements across all 6 states.

Mortgage Research Videos (31)

Every figure on screen is sourced and dated. Each video has a full transcript on its page.

Frequently Asked Questions

What are current mortgage rates in Florida?

Florida borrowers price against the national 30-year fixed average: 7.28% in Freddie Mac's Primary Mortgage Market Survey for the week of October 1, 2026, with the 15-year fixed at 6.60%. Local quotes vary by credit score, down payment, loan type and lender. FHFA's National Mortgage Database shows Florida's 2025 average origination rate (6.3%) matched the U.S. average.

What is the FHA loan limit in Florida?

The 2026 FHA loan limit in most Florida counties is $541,287 for a single-family home. Higher-cost areas have higher limits, up to $990,150 in Monroe County (Florida Keys), per HUD's CY2026 limits.

Can I get a mortgage in Florida with a 580 credit score?

Yes. FHA loans accept credit scores as low as 580 with a 3.5% down payment. Some lenders will approve scores as low as 500 with a 10% down payment. Conventional loans typically require 620+.

How long does it take to close a mortgage in Florida?

Most Florida mortgage closings take 30–45 days from application to closing. FHA loans may take slightly longer (35–50 days) due to additional appraisal requirements. Some lenders offer 21-day closes for qualified buyers.

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Sources

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Free Research · 2026

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City-by-city rate data across all 4 verticals and 6 states. Auto insurance averages, 30-yr mortgage rates, solar install costs, and debt settlement figures for 36 cities. Free to download, cite, or share.

📍 36 cities · 6 states · 4 verticals View Fact Sheet →

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