Jacksonville Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Jacksonville, Florida (License #LO135517). Duval County (Jacksonville) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming, FHA, or VA loans.
Jacksonville is one of Florida’s most affordable major metros and home to a large military community around NAS Jacksonville and Naval Station Mayport. VA loans are a core product here.
Today's Jacksonville Mortgage Rates
Live best-execution Florida rates from our lender network — as of July 21, 2026 at 11:15 AM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.101%
FHA 30-Yr Fixed
5.490%
APR 5.602%
VA 30-Yr Fixed
5.625%
APR 5.741%
DSCR Investor 30-Yr
6.875%
APR 6.988%
Rates subject to change. See Rate Assumptions.
Jacksonville Home Loan Facts
Median Home Price
~$355,000
Curated Jacksonville estimate.
2026 Conforming Limit
$832,750
Duval County baseline reference.
County
Duval County
Loan limits are set at the county level.
Loan Limits & Market
Duval County (Jacksonville) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming, FHA, or VA loans.
From Riverside and San Marco to the beaches and southside suburbs, Jacksonville offers affordability that keeps first-time buyer and VA demand strong across Duval County.
Jacksonville Highlights
- Baseline conforming limit of $832,750 (2026)
- Strong VA demand near NAS Jacksonville & Mayport
- One of Florida’s most affordable major metros
- No down payment or PMI for eligible VA borrowers
Property Taxes in Florida
Florida has no state income tax. Homeowners who claim a primary residence may qualify for the Homestead Exemption, which reduces taxable value and caps annual assessment increases.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in Florida
Florida Housing HFA Preferred
Conventional first mortgage with reduced mortgage insurance for eligible buyers.
Florida Assist (FL Assist)
Down payment and closing-cost assistance as a deferred second mortgage.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Jacksonville, Florida
Your Jacksonville loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Florida mortgage license (#LO135517). See our full licensing & disclosures for details.
Meet Ivan HendrenJacksonville Mortgage FAQ
Are VA loans common in Jacksonville?
Yes. With NAS Jacksonville and Naval Station Mayport nearby, Jacksonville has a large military population and heavy VA loan use. Eligible borrowers get no down payment, no PMI, and competitive rates.
What is the conforming loan limit in Jacksonville for 2026?
Duval County uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Amounts above that are financed as jumbo loans.
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