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

Quick Answer

Mortgage rates average 6.75%–7.25% for a 30-year fixed loan across all six states in 2026. Median home prices range from $270,000 in Pensacola to $750,000+ in Los Angeles — making even a 0.25% rate difference 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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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

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?

As of April 2026, Florida 30-year fixed rates average approximately 6.49%, 15-year fixed rates average 5.79%, and FHA rates average 6.25%. Rates vary by lender, credit score, and loan-to-value ratio.

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 like Monroe County (Florida Keys) have limits up to $929,200.

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.

Data & tools used in this analysis

Sources

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Free Research · 2026

Multi-State Financial Cost Comparison — Free Fact Sheet

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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Interactive Data Tool · Free

Financial Data Explorer — live rate & cost data across all four verticals

The live dataset behind our research: auto and home premiums, mortgage rates and prices, solar payback, and household debt — pick a state or metro and see the real numbers.

📍 6 states · 36 metros · 2026 data Open the explorer →