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    Mortgage Rates

    Mortgage Rates This Week on the Treasure Coast

    Rates change every week. Here's what this week's number means if you're buying here.

    30-Year Fixed

    7.24%

    down 0.08 from last week

    15-Year Fixed

    6.60%

    down 0.08 from last week

    National average for the week of October 29, 2026. Source: Freddie Mac Primary Mortgage Market Survey.

    What This Means for Treasure Coast Buyers

    Rates dipped for the second week in a row, down to 7.24%. That's still higher than this spring, but buyers have more room to negotiate right now on price, repairs and closing costs. If you're waiting for rates to fall, remember more buyers come back when they do.

    Kate Ward and Peter White on a bright waterfront patio with palms and water behind them

    Peter White & Kate Ward
    The McKinney Team | RE/MAX Gold

    What a Typical Home Costs, City by City

    Vero Beach coastline with blue Atlantic water and a sandy beach

    Vero Beach

    $450,000

    about $2,760/mo principal & interest, 10% down

    Home at Astor Creek Golf and Country Club in Port St. Lucie

    Port St. Lucie

    $420,000

    about $2,576/mo principal & interest, 10% down

    Waterfront homes and blue river water along the Fort Pierce area of St. Lucie County

    Fort Pierce

    $280,000

    about $1,717/mo principal & interest, 10% down

    Calm tidal river lined with palms and a seawall, tile-roof homes and a drawbridge in the distance

    Sebastian

    $366,000

    about $2,245/mo principal & interest, 10% down

    Sailboats moored on a calm river in front of low-rise brick storefronts and palms at golden hour

    Stuart

    $682,500

    about $4,186/mo principal & interest, 10% down

    Wooden docks and small boats on a quiet lagoon beside a shaded Florida home framed by palms

    Jensen Beach

    $499,000

    about $3,061/mo principal & interest, 10% down

    Florida home with a barn and white paddock fencing, two horses grazing under live oaks

    Palm City

    $650,000

    about $3,987/mo principal & interest, 10% down

    Wooden boardwalk through sea oats and coastal trees leading to an empty white sand beach

    Hobe Sound

    $575,000

    about $3,527/mo principal & interest, 10% down

    Median sale prices for September 2026, Florida Realtors. Small markets can swing month to month.

    Calculate Your Payment

    3% may be available for first-time buyers

    Loan type

    Loan term

    Monthly principal & interest

    $2,913

    Monthly mortgage insurance (PMI)
    $178
    Total monthly
    $3,091
    Loan amount
    $427,500

    If rates drop 1%: $2,629 principal & interest, saving $284 a month.

    Estimates only. Mortgage insurance and fees vary by lender, credit and loan size. Taxes, homeowners insurance and HOA are extra.

    Get your full monthly cost with taxes, insurance and HOA

    Where Rates Have Been This Year

    Want the bigger picture? See how today compares to past decades.

    You May Not Have to Pay the Average

    Builder Incentives

    Many Treasure Coast builders offer rate buydowns on new construction. We track them community by community.

    See new construction

    Rate Buydowns

    A seller or builder can pay to lower your rate for the first years, or for the life of the loan.

    Loan Programs

    FHA, VA and USDA loans can come with lower rates or smaller down payments.

    Compare loan options

    Hometown Heroes & Assistance

    Florida programs can help with down payment and closing costs.

    Get Your Real Number

    The average rate isn't your rate. Your credit, down payment and loan type all change it. We'll connect you with a trusted local lender and help you find the home that fits the payment.

    Why Buy NowBuy Now or Wait?

    Rates shown are Freddie Mac national weekly averages for informational purposes only and are not an offer to lend or a rate quote. Payments are estimates and exclude property taxes, homeowners insurance and HOA fees. Peter White and Kate Ward are Realtors with RE/MAX Gold and are not mortgage lenders. Contact a licensed loan originator for a personalized quote.