· Freddie Mac PMMS
Informational only. 30YearMortgageRates.com is not a lender. Rates shown are national/regional averages sourced from Freddie Mac PMMS. Actual terms vary by borrower, lender, and market conditions. Full disclosures.
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Tampa, FL MORTGAGE RATES • UPDATED

30-Year Mortgage Rates in Tampa, FL

Compare current 30-year fixed mortgage rates in Tampa, FL. Find the best local lenders, understand Tampa market trends, and secure competitive rates for your home purchase or refinance.

$365,000
Median Home Price
6.65%
Avg 30-Yr Rate
Southeast
Market Region
Quick Answer

As of April 2026, the average 30-year fixed mortgage rate in Tampa, FL is approximately 6.65%, based on national survey data from Freddie Mac. Rates in Tampa generally track the Southeast average, influenced by local housing demand, lender competition, and economic conditions. The median home price in Tampa is approximately $365,000. Bay Area growth hub.

Expert Answer · Data-Verified

How do I get a 30-year fixed mortgage in Tampa, FL?

Mortgage rates are set by individual lenders and vary by borrower, loan type and day. This page does not publish a measured average rate for Tampa, FL. For a sourced national benchmark and its observation date, see today's rates. Freddie Mac's Primary Mortgage Market Survey reports a national average only, not city or state figures.

Borrowers in Tampa, FL can choose among conventional 30-year fixed, FHA, VA, USDA, and jumbo loans. For 2026, HUD's FHA one-unit loan limit is $541,287 in most counties and up to $1,249,125 in high-cost areas; the limit that applies depends on the county, so check HUD's lookup for Florida. FHA financing can require as little as 3.5% down with a credit score of 580 or higher, subject to lender and program rules. VA loans offer zero down payment for eligible veterans and active-duty service members. Jumbo loans apply above the conforming and FHA limits and generally require credit scores above 700 and 10–20% down.

To secure the best available rate in Tampa, FL, compare APRs (not just rates) from at least three FL-licensed lenders within a 14-day window so credit inquiries score as a single event. Credit scores of 740 or higher typically receive the lowest rates; scores below 680 pay 0.25%–0.75% more. Your state housing finance agency may offer down payment assistance (for example, Florida Hometown Heroes Housing Program); repayment terms, eligibility and income limits vary by program, so confirm them with the agency. Rate locks in Florida typically run 30–60 days from pre-approval to closing.

Sources: HUD 2026 FHA loan limits; Freddie Mac PMMS (national benchmark only). Nothing on this page is a lender offer or a rate quote. 30YearMortgageRates.com is not a lender. Actual terms vary by borrower qualifications, lender, and market conditions.

Current Mortgage Rates in Tampa, FL

Compare average mortgage rates available to Tampa borrowers. Rates are based on national averages from Freddie Mac and may vary by lender, credit score, and loan amount.

Loan TypeRateAPREst. Payment
30-Year Fixed6.65%6.82%$1,925/mo
15-Year Fixed5.90%6.12%$2,585/mo
FHA 30-Year6.25%7.15%$1,845/mo
VA 30-Year6.15%6.38%$1,815/mo
Jumbo 30-Year6.85%7.02%$2,125/mo

Top Mortgage Lenders in Tampa, FL

Compare mortgage lenders serving Tampa borrowers. All lenders shown are licensed to operate in Florida.

Full-Service Mortgage Bank
  • Competitive 30-year fixed rates
  • Local Tampa branch offices
  • Same-day pre-approval available
  • Dedicated FL loan officers
View Lender Details

Licensed FL Mortgage Broker
  • Low rate guarantee programs
  • Online application portal
  • First-time buyer specialists
  • Down payment assistance guidance
View Lender Details

Regional Mortgage Company
  • Serving Florida since 2005
  • FHA/VA/USDA loan options
  • Free rate lock for 60 days
  • Local market expertise
View Lender Details

Tampa Housing Market Overview

Understanding the Tampa real estate market helps borrowers make informed mortgage decisions in Florida.

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Tampa Home Prices

The median home price in Tampa is approximately $365,000. Local prices reflect the Southeast market dynamics and Tampa's specific economic conditions and housing supply.

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Tampa Market Trends

Tampa's housing market reflects broader Florida trends. Local inventory levels, days on market, and price appreciation help determine the best timing for mortgage applications.

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Cost of Living in Tampa

Tampa's cost of living, including property taxes and insurance rates, affects the total homeownership cost beyond the mortgage payment for FL residents.

Factors Affecting Mortgage Rates in Tampa

Several local and national factors influence the mortgage rates available to Tampa homebuyers.

Credit Score in Tampa

Your credit score is the biggest factor in your Tampa mortgage rate. Aim for 740+ for the best rates. Borrowers with excellent credit save thousands over the life of a 30-year loan.

Down Payment & LTV

A 20% down payment on a $365,000 home in Tampa avoids PMI. FHA loans allow 3.5% down, making homeownership more accessible in Tampa's market.

Local Lender Competition

Shopping 3-4 Tampa-area lenders can save 0.25-0.5% on your rate. Compare banks, credit unions, and mortgage brokers serving the Tampa market.

Rate Lock Strategy

When you find a competitive rate in Tampa, lock it. Rate locks of 30-60 days protect you from market volatility during the closing process in FL.

Frequently Asked Questions: Tampa Mortgage Rates

What is the current 30-year mortgage rate in Tampa, FL?+

The average 30-year fixed rate in Tampa is approximately 6.65% as of April 2026, based on Freddie Mac data. Your actual rate depends on credit score, down payment, loan amount, and lender. Shopping multiple Tampa lenders typically saves 0.25-0.5%.

How much is a down payment on a home in Tampa?+

With a median home price of $365,000 in Tampa, a 20% down payment would be about $73,000. FHA loans require just 3.5% down, and VA loans offer zero down for eligible veterans in FL.

What credit score do I need for the best rates in Tampa?+

For the best mortgage rates in Tampa, aim for a credit score of 740+. Scores of 760+ get the absolute best rates. FHA loans in FL accept scores as low as 580 with 3.5% down.

Are there first-time homebuyer programs in Tampa?+

Yes. The Florida Housing Finance Authority offers down payment assistance and below-market rate programs. Federal programs including FHA, VA, and USDA loans are also available to Tampa buyers. Contact local lenders for current program availability.

Should I choose a 30-year or 15-year mortgage in Tampa?+

A 30-year fixed offers lower monthly payments, ideal for Tampa buyers wanting payment flexibility. A 15-year saves on total interest but requires higher payments. With Tampa's median price of $365,000, most buyers choose the 30-year for affordability.

Back to Florida Rates

Compare Nearby Mortgage Markets

Explore mortgage rates and housing data in nearby cities to find the best market for your home purchase.

More Cities in Florida

Miami, FL$525,000Median Home PriceOrlando, FL$385,000Median Home PriceJacksonville, FL$325,000Median Home PriceFort Lauderdale, FL$475,000Median Home Price

Nearby State Markets

Atlanta, GA$385,000Median Home PriceSavannah, GA$330,000Median Home PriceBirmingham, AL$230,000Median Home PriceHuntsville, AL$325,000Median Home Price
View All Florida Mortgage Rates →

Top Mortgage Lenders in Tampa, Florida

Compare featured mortgage lenders serving the Tampa area

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