Mortgage Rates in Central Florida: What Today's Numbers Mean for You

Updated: September 14, 2026

Current Mortgage Rates — Central Florida

30-year fixed: 6.76%
15-year fixed: 6.09%
(Freddie Mac Primary Mortgage Market Survey, September 11, 2026)

Where rates are headed: rates have now risen three weeks in a row — 6.66% in late August, 6.71% at the start of September, and 6.76% today. Small moves, but they've only gone one direction lately.

What that means in real dollars: on a median-priced Clermont home ($460,000 with 20% down), the principal-and-interest payment at today's 30-year rate is about $2,389 a month. Since rates bottomed in late July, that same house costs about $73 more per month — roughly $875 a year. Waiting has a price tag.

What smart buyers are doing: getting pre-approved now so they know their real number at today's rates, and asking about rate buydowns — in this market, sellers and builders are often willing to fund them. Find out what you qualify for in minutes, no cost and no commitment:

[KEEP THE EXISTING PRE-APPROVAL BUTTON HERE — https://2320689.my1003app.com/2659006/register]

What it means for sellers: every rate bump shrinks buyers' budgets a little, which makes pricing right on day one worth more than ever. Priced-right Clermont homes are still selling within 2% of asking in about two months.

Questions about what these rates mean for your payment, your search, or your sale? Call or text me at 315-335-4622 — I answer my own phone — or grab a time on my calendar: https://troyboss.lirflorida.com/meeting/844736089456020/troy_boss

Have a great day — and remember, don't gamble with your biggest investment. Call the Boss!

Troy Boss, REALTOR® | LIFESTYLE International Realty
Rates shown are national averages from Freddie Mac's weekly survey and are for illustration — your rate will vary by credit, loan type, and lender. This page is updated monthly.

Want to know exactly what you'd qualify for and what your payment would look like? Get pre-approved in minutes here: https://www.applywithronald.com/get-pre-approved.html — then reply or text me and I'll run your numbers.

Troy Boss, Realtor · LIFESTYLE International Realty · (315) 335-4622 · Buy with the Boss

General information only — not financial advice, and not a mortgage quote. Rates change daily and depend on your credit, loan type, and lender. Figures shown as of late July 2026; contact a licensed lender for your personalized rate.