This week's average rate · Free · No credit check
Mortgage Refinance Calculator for Florida
Pre-filled with Florida's average home value ($405,000) and 91.00% property tax rate.
30-yr fixed avg 7.24% as of October 29, 2026
Source: Freddie Mac PMMS
If you own a home in Florida, now may be a great time to refinance. With a median home value of $405,000 and an average property tax rate of 91.00%, our calculator is pre-loaded with real Florida data so you can see your actual savings in seconds.
New monthly payment
$1,935
Takes ~60 seconds. No credit check.
No impact to credit
No credit check to use the calculator.
60-second estimate
See real savings before you talk to anyone.
You choose who contacts you
We only share your info with licensed lenders when you ask to see real offers. No credit check to use the calculator.
Cities in Florida
Local averages baked in for faster, more accurate estimates.
Frequently asked questions
- What is the average cost to refinance in Florida?
- Closing costs in Florida typically range from 2% to 5% of the loan amount. On a $405,000 home, that's approximately $8,100 to $20,250.
- How much can I save by refinancing in Florida?
- Savings depend on your existing loan and lender quote. 30-yr fixed avg 7.24% as of October 29, 2026 · Source: Freddie Mac PMMS. This national purchase-mortgage benchmark is not a local refinance offer. Use the calculator to compare your own rates and terms.
- Does refinancing hurt my credit score in Florida?
- Checking your refinance options with RefiCalculator.com does not impact your credit score. A hard inquiry only occurs when you formally apply with a lender.