Mortgage Rates in Kendall West, Florida — March 2026
Updated March 2026 | Based on Kendall West market data and regional lending conditions
Kendall West is a smaller Florida community of 24,979 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.69% (0.04% above the national average). The median home price of $405,000 translates to roughly $2,383/month with 20% down — requiring an income of about $102,129, which exceeds the local median of $43,000.
Current Mortgage Rates in Kendall West, FL
Below are the current average mortgage rates available in the Kendall West 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 | 6.69% | 6.65% | +0.04% |
| 15-Year Fixed | 5.94% | 5.89% | +0.05% |
| 5/1 ARM | 6.21% | 6.15% | +0.06% |
| FHA | 6.47% | 6.25% | +0.22% |
| VA | 6.22% | 6.05% | +0.17% |
| Jumbo | 6.94% | 6.85% | +0.09% |
Kendall West Housing Market Overview
Housing in Kendall West sits near the national average at $405,000. With a median household income of $43,000 and a cost of living index of 100.8, some buyers may need to look at lower price points or consider larger down payments.
Monthly Payment Breakdown for Kendall West
Based on the median home price of $405,000 with 20% down ($81,000), here is what you can expect to pay monthly in Kendall West:
15-Year vs. 30-Year Mortgage in Kendall West
Choosing a 15-year mortgage in Kendall West at 5.94% instead of a 30-year at 6.69% would save you $261,720 in total interest over the life of the loan. However, your monthly payment would be $2,724 instead of $2,089 — an increase of $635 per month.
Calculate Your Kendall West 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 Kendall West
What are the current mortgage rates in Kendall West, FL?
As of March 2026, the average 30-year fixed mortgage rate in Kendall West, Florida is 6.69%, while the 15-year fixed rate is 5.94%. FHA loans average 6.47% and VA loans 6.22%. These rates are 0.04% above the national average of 6.65%.
How much is a monthly mortgage payment in Kendall West?
Based on the median home price of $405,000 with 20% down, the estimated monthly mortgage payment in Kendall West is $2,089 for principal and interest. Including property taxes of $294/month, the total monthly housing cost is approximately $2,383.
What income do I need to buy a home in Kendall West?
Using the 28% rule, you would need an annual income of approximately $102,129 to afford the median-priced home in Kendall West at $405,000. The median household income in Kendall West is $43,000. This means most households would need to either earn above the median or consider homes below $405,000.
Is Kendall West a good place to buy a home in 2026?
Kendall West has a moderate cost of living with a cost of living index of 100.8 (national average = 100). The property tax rate in Florida is 0.87%, which is near the national average. Kendall West has a population of 24,979 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Kendall West, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.