Mortgage rates in St. Petersburg, FL
Current 30-year, 15-year, FHA, and VA averages, plus a worked monthly payment on a St. Petersburg median-price home ($360,000). 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 St. Petersburg median-price home
30-year, 20% down
$2,460 /mo
- Sale price
- $360,000
- Loan amount
- $288,000
- Rate
- 6.85%
15-year, 20% down
$3,011 /mo
- Sale price
- $360,000
- Loan amount
- $288,000
- Rate
- 6.05%
FHA, 3.5% down
$2,939 /mo
- Sale price
- $360,000
- Loan amount
- $347,400
- Rate
- 6.55%
Includes ~0.55% annual MIP escrowed monthly.
Includes principal, interest, Pinellas County property tax (effective 0.91%), and Florida homeowners insurance estimate (1.00% of home value). HOA, PMI, and CDD/MUD assessments not included.
What drives the St. Petersburg number
- Pinellas County property tax: ~0.91% effective rate. On the median price ($360,000) that escrows to about $273 per month.
- Florida insurance: ~1.00% of home value annually. About $300 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.
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.