West Palm Beach Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in West Palm Beach, Florida (License #LO135517). Palm Beach County (West Palm Beach) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, with jumbo financing common in higher-end coastal communities.
West Palm Beach anchors Palm Beach County, drawing relocating professionals, retirees, and second-home buyers. With no state income tax and steady in-migration, financing spans conventional, FHA, VA, jumbo, and DSCR loans.
Today's West Palm Beach Mortgage Rates
Live best-execution Florida rates from our lender network — as of July 30, 2026 at 1:22 PM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.113%
FHA 30-Yr Fixed
5.625%
APR 5.779%
VA 30-Yr Fixed
5.625%
APR 5.795%
DSCR Investor 30-Yr
5.990%
APR 6.061%
Rates subject to change. See Rate Assumptions.
West Palm Beach Home Loan Facts
Median Home Price
~$470,000
Curated West Palm Beach estimate.
2026 Conforming Limit
$832,750
Palm Beach County baseline reference.
County
Palm Beach County
Loan limits are set at the county level.
Loan Limits & Market
Palm Beach County (West Palm Beach) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, with jumbo financing common in higher-end coastal communities.
From downtown and the waterfront to Wellington, Jupiter, and Boca Raton to the south, Palm Beach County offers a broad range of price points. Second-home and investor financing are common alongside primary-home purchases.
West Palm Beach Highlights
- Baseline conforming limit of $832,750 (2026)
- Strong relocation and second-home demand
- No state income tax in Florida
- Conventional, FHA, VA, jumbo, and DSCR options
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 West Palm Beach, Florida
Your West Palm Beach 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 HendrenWest Palm Beach Mortgage FAQ
What is the conforming loan limit in West Palm Beach for 2026?
Palm Beach County uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Amounts above that are financed as jumbo loans.
Is West Palm Beach popular for second homes?
Yes. Palm Beach County draws seasonal residents and second-home buyers, who can finance with conventional or jumbo second-home loans depending on the purchase price.
Other Florida Markets
All of FloridaMiami
Median ~$640,000
High-demand metro with significant jumbo and second-home activity.
Tampa
Median ~$400,000
Fast-growing Gulf Coast market with strong first-time buyer demand.
Orlando
Median ~$390,000
Central Florida hub with heavy relocation and investment purchases.
Jacksonville
Median ~$355,000
Affordable market with strong VA demand near naval bases.
Fort Lauderdale
Median ~$450,000
South Florida market with primary-home, second-home, and investor demand.
Fort Myers
Median ~$385,000
Southwest Florida market popular with retirees, second-home, and investor buyers.
Ready to get started in West Palm Beach?
Get a personalized, transparent Floridarate quote in minutes — no obligation, no hard credit pull to start.