Florida's average APR for a 30-year fixed mortgage is 6.827%, up slightly over the past 90 days. The 15-year fixed mortgage rate is 6.038%, and the 30-year jumbo mortgage rate is 6.824%. Refinance rates are similarly steady, with the 30-year fixed refinance at 6.876%. Florida's rates are slightly below national averages. Rates have trended upward recently, so shopping around and maintaining good credit can help secure better mortgage terms.