Mortgage · FL · 2026
Average Mortgage Payment in West Palm Beach, FL — 2026
The average mortgage payment in West Palm Beach is $4,500/month in 2026 (PITI, 7.1% rate, 10% down on the median home). See what you need to earn to qualify and compare lenders.
Average Monthly Payment
The average monthly mortgage payment (PITI) in West Palm Beach, FL is $4,500/month in 2026 — based on the local median home price at a 7.1% 30-year fixed rate with 10% down, including property taxes and homeowners insurance. To qualify at the 28% front-end DTI rule, buyers need approximately $192,857/year in gross income. Use the affordability calculator for your specific scenario.
Average Mortgage Payment in West Palm Beach, FL (2026) — Data Breakdown
| Item | Amount |
|---|---|
| Monthly PITI (est.) | $4,500/mo |
| Rate assumption | 7.1% 30-yr fixed (Freddie Mac PMMS May 2026) |
| Down payment | 10% |
| Min. income needed (28% DTI) | $192,857/yr |
| Annual housing cost | $54,000/yr |
| Includes | P&I, property tax, insurance, PMI |
Methodology: Based on NAR Q1 2026 median home price for West Palm Beach metro, Freddie Mac PMMS rate of 7.1%, Tax Foundation state property tax rate, and NAIC insurance data.