Mortgage Rates in Bunnell, Florida — March 2026
Updated March 2026 | Based on Bunnell market data and regional lending conditions
Bunnell is a smaller Florida community of 27,834 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.61% (0.04% below the national average). The median home price of $345,000 translates to roughly $2,030/month with 20% down — requiring an income of about $87,000, which exceeds the local median of $67,000.
Current Mortgage Rates in Bunnell, FL
Below are the current average mortgage rates available in the Bunnell area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.61% | 6.65% | -0.04% |
| 15-Year Fixed | 5.88% | 5.89% | -0.01% |
| 5/1 ARM | 6.17% | 6.15% | +0.02% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.86% | 6.85% | +0.01% |
Bunnell Housing Market Overview
Housing in Bunnell sits near the national average at $345,000. With a median household income of $67,000 and a cost of living index of 92.4, some buyers may need to look at lower price points or consider larger down payments.
Monthly Payment Breakdown for Bunnell
Based on the median home price of $345,000 with 20% down ($69,000), here is what you can expect to pay monthly in Bunnell:
15-Year vs. 30-Year Mortgage in Bunnell
Choosing a 15-year mortgage in Bunnell at 5.88% instead of a 30-year at 6.61% would save you $219,420 in total interest over the life of the loan. However, your monthly payment would be $2,311 instead of $1,765 — an increase of $546 per month.
Calculate Your Bunnell Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Bunnell
What are the current mortgage rates in Bunnell, FL?
As of March 2026, the average 30-year fixed mortgage rate in Bunnell, Florida is 6.61%, while the 15-year fixed rate is 5.88%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.04% below the national average of 6.65%.
How much is a monthly mortgage payment in Bunnell?
Based on the median home price of $345,000 with 20% down, the estimated monthly mortgage payment in Bunnell is $1,765 for principal and interest. Including property taxes of $265/month, the total monthly housing cost is approximately $2,030.
What income do I need to buy a home in Bunnell?
Using the 28% rule, you would need an annual income of approximately $87,000 to afford the median-priced home in Bunnell at $345,000. The median household income in Bunnell is $67,000. This means most households would need to either earn above the median or consider homes below $345,000.
Is Bunnell a good place to buy a home in 2026?
Bunnell offers a below-average cost of living with a cost of living index of 92.4 (national average = 100). The property tax rate in Florida is 0.92%, which is near the national average. Bunnell has a population of 27,834 and offers a very affordable lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Bunnell, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.