Mortgage Rates in Eustis, Florida — March 2026
Updated March 2026 | Based on Eustis market data and regional lending conditions
Eustis is a growing city in Florida with a population of 22,157. The current 30-year fixed mortgage rate in Eustis is 6.74%, which is 0.09% above the national average. With a median home price of $328,000 and a 20% down payment of $65,600, homebuyers can expect a monthly principal and interest payment of approximately $1,700.
Current Mortgage Rates in Eustis, FL
Below are the current average mortgage rates available in the Eustis 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 | 6.74% | 6.65% | +0.09% |
| 15-Year Fixed | 5.98% | 5.89% | +0.09% |
| 5/1 ARM | 6.25% | 6.15% | +0.1% |
| FHA | 6.5% | 6.25% | +0.25% |
| VA | 6.25% | 6.05% | +0.2% |
| Jumbo | 6.99% | 6.85% | +0.14% |
Eustis Housing Market Overview
The Eustis housing market reflects moderate demand with prices near the national average. The median household income in Eustis is $52,700, and the cost of living index is 100 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $83,614 to comfortably afford the median-priced home in Eustis, which exceeds the current median household income.
Monthly Payment Breakdown for Eustis
Based on the median home price of $328,000 with 20% down ($65,600), here is what you can expect to pay monthly in Eustis:
15-Year vs. 30-Year Mortgage in Eustis
Choosing a 15-year mortgage in Eustis at 5.98% instead of a 30-year at 6.74% would save you $214,020 in total interest over the life of the loan. However, your monthly payment would be $2,211 instead of $1,700 — an increase of $511 per month.
Calculate Your Eustis Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Eustis
What are the current mortgage rates in Eustis, FL?
As of March 2026, the average 30-year fixed mortgage rate in Eustis, Florida is 6.74%, while the 15-year fixed rate is 5.98%. FHA loans average 6.5% and VA loans 6.25%. These rates are 0.09% above the national average of 6.65%.
How much is a monthly mortgage payment in Eustis?
Based on the median home price of $328,000 with 20% down, the estimated monthly mortgage payment in Eustis is $1,700 for principal and interest. Including property taxes of $251/month, the total monthly housing cost is approximately $1,951.
What income do I need to buy a home in Eustis?
Using the 28% rule, you would need an annual income of approximately $83,614 to afford the median-priced home in Eustis at $328,000. The median household income in Eustis is $52,700. This means most households would need to either earn above the median or consider homes below $328,000.
Is Eustis a good place to buy a home in 2026?
Eustis offers a below-average cost of living with a cost of living index of 100 (national average = 100). The property tax rate in Florida is 0.92%, which is near the national average. Eustis has a population of 22,157 and offers a balanced lifestyle.
Mortgage Rates in Other Florida Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Eustis, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.