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Monroe County, FL · Rates for Oct 30, 2026

Monroe County mortgage rates with ZERO Closing Costs

  • ZERO Closing Costs on eligible loans
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  • ZERO Closing Costs
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  • NMLS #67717
7.250%30-year fixed · 7.250% APR

15-year fixed: 6.750% (6.750% APR).

Monthly principal & interest
$2,729
Lender fees
$3,180 ZERO
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Rates as of Oct 30, 2026, 4:58 PM ET for a $500,000 home, 20% down, 780+ credit, primary home. Restrictions apply. Example: the payment applies that rate to your numbers, principal and interest only. Your rate may differ.

Lender fees you won’t pay

$3,180
typical lender and title fees, paid or waived by CapCenter
  • Origination fee$1,300ZERO
  • Appraisal$500ZERO
  • Settlement, title services & lender’s title$1,220ZERO
  • Credit, data & flood$160ZERO

Typical fees on a $500,000 purchase quote in Richmond, VA. Your quote shows yours.

“Refinanced our house through CapCenter and it was the easiest, most pain-free mortgage experience I’ve ever had. […]”
Chris C.Refinanced · Richmond, VA · Google review, excerpt

Family-owned since 1997

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Today in Monroe County

LoanRateAPR
Conventional 30-yr7.250%7.250%
Conventional 15-yr6.750%6.750%
Veteran 30-yr6.875%6.960%
FHA 30-yr6.750%7.227%
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Today’s ZERO Closing Cost Rates in Monroe County, FL

Monroe County, FL · Updated Oct 30

$500K · Monroe County$500,000 home · $100,000 down · Monroe County, FL · 780+ · Primary

Tap any rate to see your full quote.Click any rate to see your full quote.

Conventional

Conventional 30-yr fixed rates

No points
RatePointsAPRClosingClosing costs
7.250%7.250% APR0.0007.250%ZERO7.000%7.050% APR0.5007.050%ZERO6.875%6.987% APR1.1256.987%ZERO6.750%6.911% APR1.6256.911%ZERO6.625%6.834% APR2.1256.834%ZERO

Conventional 15-yr fixed rates

No points
RatePointsAPRClosingClosing costs
6.750%6.750% APR0.0006.750%ZERO6.375%6.474% APR0.6256.474%ZERO6.250%6.409% APR1.0006.409%ZERO6.125%6.363% APR1.5006.363%ZERO5.875%6.211% APR2.1256.211%ZERO

Veteran

Veteran Affairs (VA) loans are only available to US armed forces, veterans, and surviving spouses. Select FHA or Conventional if you are not eligible for a VA Loan.

Veteran 30-yr fixed rates

No points
RatePointsAPRClosingClosing costs
6.875%6.960% APR0.0006.960%ZERO6.625%6.783% APR0.3756.783%ZERO6.500%6.694% APR0.7506.694%ZERO6.375%6.617% APR1.2506.617%ZERO6.250%6.539% APR1.7506.539%ZERO

Veteran 15-yr fixed rates

Fewest points
RatePointsAPRClosingClosing costs
6.500%6.819% APR0.7506.819%ZERO6.125%6.461% APR0.8756.461%ZERO6.000%6.355% APR1.0006.355%ZERO5.875%6.289% APR1.3756.289%ZERO5.750%6.243% APR1.8756.243%ZERO

FHA

FHA 30-yr fixed rates

No points
RatePointsAPRClosingClosing costs
6.750%7.227% APR0.0007.227%ZERO6.500%7.063% APR0.3757.063%ZERO6.375%6.987% APR0.8756.987%ZERO6.250%6.924% APR1.5006.924%ZERO6.125%6.847% APR2.0006.847%ZERO

FHA 15-yr fixed rates

Fewest points
RatePointsAPRClosingClosing costs
6.125%6.620% APR0.5006.620%ZERO6.000%6.554% APR0.8756.554%ZERO5.875%6.510% APR1.3756.510%ZERO5.625%6.317% APR1.7506.317%ZERO
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2026 loan limits

The 2026 conforming loan limit in Monroe County, FL is $990,150 for a one-unit home. The 2026 FHA loan limit in Monroe County, FL is $990,150 for a one-unit home.

2026 loan limits in Monroe County, FL, by number of units
UnitsConformingFHA
1 unit$990,150$990,150
2 units$1,267,600$1,267,600
3 units$1,532,200$1,532,200
4 units$1,904,150$1,904,150

2026 limits for Monroe County, FL. Sources: FHFA 2026 conforming loan limits and HUD 2026 FHA mortgage limits.

In this area

Equal Housing Opportunity · REALTOR®Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Rates are estimates and subject to change without notice.

How it works

  1. See my rate

    Free. No credit check.

  2. Get pre-approved

    About 15 minutes online.

  3. Close with ZERO

    We pay or waive the lender fees.

Monroe County facts

2026 conforming limit
$990,150one-unit home
2026 FHA limit
$990,150one-unit home

Limits: FHFA and HUD 2026 files.

Questions

What are mortgage rates in Monroe County today?

On Oct 30, 2026: 7.250% (7.250% APR) for a 30-year fixed, 6.750% (6.750% APR) for a 15-year fixed. Both with ZERO Closing Costs.

Are Monroe County rates different from Richmond’s?

Yes, on Oct 30, 2026: 7.250% here and 7.125% in Richmond, for the same scenario.

Do these rates include closing costs?

Yes. Every rate includes ZERO Closing Costs. Points are the one optional cost.

Nearby for Monroe County
Loan limits
Monroe County loan limits
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Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Equal Housing Lender. Rates are estimates and subject to change without notice.
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