Mortgage Rates in Haines City, Florida — March 2026
Updated March 2026 | Based on Haines City market data and regional lending conditions
Haines City is a growing city in Florida with a population of 31,031. The current 30-year fixed mortgage rate in Haines City is 6.87%, which is 0.22% above the national average. With a median home price of $345,000 and a 20% down payment of $69,000, homebuyers can expect a monthly principal and interest payment of approximately $1,812.
Current Mortgage Rates in Haines City, FL
Below are the current average mortgage rates available in the Haines City 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 | 6.87% | 6.65% | +0.22% |
| 15-Year Fixed | 6.08% | 5.89% | +0.19% |
| 5/1 ARM | 6.32% | 6.15% | +0.17% |
| FHA | 6.56% | 6.25% | +0.31% |
| VA | 6.31% | 6.05% | +0.26% |
| Jumbo | 7.12% | 6.85% | +0.27% |
Haines City Housing Market Overview
The Haines City housing market reflects moderate demand with prices near the national average. The median household income in Haines City is $50,200, and the cost of living index is 97.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $87,900 to comfortably afford the median-priced home in Haines City, which exceeds the current median household income.
Monthly Payment Breakdown for Haines City
Based on the median home price of $345,000 with 20% down ($69,000), here is what you can expect to pay monthly in Haines City:
15-Year vs. 30-Year Mortgage in Haines City
Choosing a 15-year mortgage in Haines City at 6.08% instead of a 30-year at 6.87% would save you $230,940 in total interest over the life of the loan. However, your monthly payment would be $2,341 instead of $1,812 — an increase of $529 per month.
Calculate Your Haines City 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 Haines City
What are the current mortgage rates in Haines City, FL?
As of March 2026, the average 30-year fixed mortgage rate in Haines City, Florida is 6.87%, while the 15-year fixed rate is 6.08%. FHA loans average 6.56% and VA loans 6.31%. These rates are 0.22% above the national average of 6.65%.
How much is a monthly mortgage payment in Haines City?
Based on the median home price of $345,000 with 20% down, the estimated monthly mortgage payment in Haines City is $1,812 for principal and interest. Including property taxes of $239/month, the total monthly housing cost is approximately $2,051.
What income do I need to buy a home in Haines City?
Using the 28% rule, you would need an annual income of approximately $87,900 to afford the median-priced home in Haines City at $345,000. The median household income in Haines City is $50,200. This means most households would need to either earn above the median or consider homes below $345,000.
Is Haines City a good place to buy a home in 2026?
Haines City offers a below-average cost of living with a cost of living index of 97.4 (national average = 100). The property tax rate in Florida is 0.83%, which is near the national average. Haines City has a population of 31,031 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 Haines City, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.