Mortgage Rates in Winter Springs, Florida — March 2026
Updated March 2026 | Based on Winter Springs market data and regional lending conditions
Winter Springs is a growing city in Florida with a population of 37,072. The current 30-year fixed mortgage rate in Winter Springs is 6.61%, which is 0.04% below the national average. With a median home price of $401,000 and a 20% down payment of $80,200, homebuyers can expect a monthly principal and interest payment of approximately $2,051.
Current Mortgage Rates in Winter Springs, FL
Below are the current average mortgage rates available in the Winter Springs 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% |
Winter Springs Housing Market Overview
The Winter Springs housing market reflects moderate demand with prices near the national average. The median household income in Winter Springs is $51,700, and the cost of living index is 98.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $100,200 to comfortably afford the median-priced home in Winter Springs, which exceeds the current median household income.
Monthly Payment Breakdown for Winter Springs
Based on the median home price of $401,000 with 20% down ($80,200), here is what you can expect to pay monthly in Winter Springs:
15-Year vs. 30-Year Mortgage in Winter Springs
Choosing a 15-year mortgage in Winter Springs at 5.88% instead of a 30-year at 6.61% would save you $254,880 in total interest over the life of the loan. However, your monthly payment would be $2,686 instead of $2,051 — an increase of $635 per month.
Calculate Your Winter Springs 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 Winter Springs
What are the current mortgage rates in Winter Springs, FL?
As of March 2026, the average 30-year fixed mortgage rate in Winter Springs, 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 Winter Springs?
Based on the median home price of $401,000 with 20% down, the estimated monthly mortgage payment in Winter Springs is $2,051 for principal and interest. Including property taxes of $287/month, the total monthly housing cost is approximately $2,338.
What income do I need to buy a home in Winter Springs?
Using the 28% rule, you would need an annual income of approximately $100,200 to afford the median-priced home in Winter Springs at $401,000. The median household income in Winter Springs is $51,700. This means most households would need to either earn above the median or consider homes below $401,000.
Is Winter Springs a good place to buy a home in 2026?
Winter Springs offers a below-average cost of living with a cost of living index of 98.9 (national average = 100). The property tax rate in Florida is 0.86%, which is near the national average. Winter Springs has a population of 37,072 and offers a balanced lifestyle.
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Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Winter Springs, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.