Mortgage rates in Kissimmee, FL
Current 30-year, 15-year, FHA, and VA averages, plus a worked monthly payment on a Kissimmee median-price home ($365,000). National averages update on the rates research page.
30-year fixed
6.85%
15-year fixed
6.05%
FHA 30-year
6.55%
VA 30-year
6.40%
Reference rates updated April 2026. Your quote depends on credit profile, loan-to-value, loan size, and lender. Tax and insurance figures are state-average estimates. Not a loan offer.
Monthly payment on a Kissimmee median-price home
30-year, 20% down
$2,479 /mo
- Sale price
- $365,000
- Loan amount
- $292,000
- Rate
- 6.85%
15-year, 20% down
$3,038 /mo
- Sale price
- $365,000
- Loan amount
- $292,000
- Rate
- 6.05%
FHA, 3.5% down
$2,965 /mo
- Sale price
- $365,000
- Loan amount
- $352,225
- Rate
- 6.55%
Includes ~0.55% annual MIP escrowed monthly.
Includes principal, interest, Osceola County property tax (effective 0.91%), and Florida homeowners insurance estimate (0.95% of home value). HOA, PMI, and CDD/MUD assessments not included.
What drives the Kissimmee number
- Osceola County property tax: ~0.91% effective rate. On the median price ($365,000) that escrows to about $277 per month.
- Florida insurance: ~0.95% of home value annually. About $289 per month.
- Loan-type spread: FHA quotes run ~0.30% below conventional, but you pay an upfront MIP plus 0.55% annual MIP for the life of the loan when you put less than 10% down.
- Local quirk: Many Kissimmee subdivisions carry CDD assessments on top of the Osceola tax bill.
Run the numbers for your scenario
Plug in your real price, down payment, and credit profile. We'll itemize the monthly payment and the cash to close.