No authority publishes a mortgages price for Jacksonville, Florida, so this page carries the published price index instead: bank prime loan rate stands at 6.75% as of 16 September 2026, published by Board of Governors of the Federal Reserve System. An index measures how a category of prices has moved since its base period; it is not a price and we do not present it as one. 8 sourced figures appear below, each with its publisher and date.
| Figure | Value | As of | Published by |
|---|---|---|---|
| Bank prime loan rate H.15 selected interest rates, daily; a market benchmark, not a consumer APR. Window: 2026-09-10 to 2026-09-16 (5 published observations) · U.S. national average; no separate figure is published for this market · city page carries the state and national series; no city-level figure is published for this market | 6.75% | 16 September 2026 | Board of Governors of the Federal Reserve System |
| Federal funds rate (effective) H.15 selected interest rates, daily; a market benchmark, not a consumer APR. Window: 2026-09-10 to 2026-09-16 (5 published observations) · U.S. national average; no separate figure is published for this market · city page carries the state and national series; no city-level figure is published for this market | 3.63% | 16 September 2026 | Board of Governors of the Federal Reserve System |
| Treasury bill, secondary market, 3-month H.15 selected interest rates, daily; a market benchmark, not a consumer APR. Window: 2026-09-10 to 2026-09-16 (5 published observations) · U.S. national average; no separate figure is published for this market · city page carries the state and national series; no city-level figure is published for this market | 3.99% | 16 September 2026 | Board of Governors of the Federal Reserve System |
| Treasury constant maturity, 10-year H.15 selected interest rates, daily; a market benchmark, not a consumer APR. Window: 2026-09-10 to 2026-09-16 (5 published observations) · U.S. national average; no separate figure is published for this market · city page carries the state and national series; no city-level figure is published for this market | 5.01% | 16 September 2026 | Board of Governors of the Federal Reserve System |
| Treasury constant maturity, 30-year H.15 selected interest rates, daily; a market benchmark, not a consumer APR. Window: 2026-09-10 to 2026-09-16 (5 published observations) · U.S. national average; no separate figure is published for this market · city page carries the state and national series; no city-level figure is published for this market | 5.35% | 16 September 2026 | Board of Governors of the Federal Reserve System |
| Treasury bill, secondary market, 3-month — change over the published window Computed from H.15 between 2026-09-10 (3.86) and 2026-09-16 (3.99) · U.S. national average; no separate figure is published for this market · city page carries the state and national series; no city-level figure is published for this market | +0.13 pp | 16 September 2026 | Board of Governors of the Federal Reserve System |
| Treasury constant maturity, 10-year — change over the published window Computed from H.15 between 2026-09-10 (4.95) and 2026-09-16 (5.01) · U.S. national average; no separate figure is published for this market · city page carries the state and national series; no city-level figure is published for this market | +0.06 pp | 16 September 2026 | Board of Governors of the Federal Reserve System |
| Treasury constant maturity, 30-year — change over the published window Computed from H.15 between 2026-09-10 (5.37) and 2026-09-16 (5.35) · U.S. national average; no separate figure is published for this market · city page carries the state and national series; no city-level figure is published for this market | -0.02 pp | 16 September 2026 | Board of Governors of the Federal Reserve System |
All figures are as published by the source named in each row, at the date shown. They are national or regional averages, not quotes for your job.
Affiliate disclosure: some links on this page are affiliate links. If you follow one we may be paid. That does not change the sources we cite or the figures we publish.
Where these figures come from
Board of Governors of the Federal Reserve System — https://www.federalreserve.gov/releases/h15/
Figures dated 16 September 2026; page data retrieved 18 September 2026.
How mortgages pricing works
A published mortgage figure for Jacksonville, Florida is an average drawn from the organisation that publishes it, so it is a benchmark rather than a quote. The price you are actually offered is assembled from several parts, and each part can move independently of the national or regional average.
- Labour: the hours the work takes and the prevailing local wage for the trade or professional that performs it.
- Materials and inputs: the quantity, grade and local availability of what is supplied or installed.
- Permits and inspections: fees set by the municipality or authority that has jurisdiction over the work.
- Access and travel: how far a provider must travel and how difficult the site or the case is to reach.
- Timing: seasonal demand, emergency or out-of-hours call-outs, and how soon the work has to be done.
- Scope: whether the job is a minor repair, a partial replacement or a full replacement.
Because those parts differ from one market to the next, two written quotes for the same described job can differ without either being wrong. The published figure on this page tells you where the market sits; an itemised quote tells you what you would actually pay. Compare quotes line by line rather than against a single average.
This page does not quote mortgage work and is not a contractor. Nothing here is an offer, a quote or an estimate.
What moves the price in Jacksonville, Florida
Published figures for the United States set the baseline. The quote you receive is built from the local items below, so compare quotes line by line rather than against a single national average.
- Local labour rates and licensing requirements
- Permit, inspection and disposal fees charged by the municipality
- Travel and call-out charges for the distance from the nearest provider
- Season and demand peaks, which move both the price and the wait
- Whether the work is repair or full replacement
This site does not quote jobs and is not a contractor. Nothing here is a quote or an offer of work.
How to compare mortgages quotes in Jacksonville, Florida
A quote is only comparable to another quote when both describe the same work. The fastest way to overpay is to compare two totals that cover different scopes, so write the scope down first and send the same description to every provider you approach.
- Scope: exactly what is being repaired, replaced or supplied, and how far the work extends.
- Inclusions: labour, materials, permits, inspection fees, disposal and any clean-up, stated separately rather than bundled into one figure.
- Exclusions: what the provider will not do, and what would trigger an extra charge once the work starts.
- Timing: how soon the work can start, how long it will take, and whether an emergency or out-of-hours rate applies.
- Terms: the deposit, the payment schedule, the warranty on parts and labour, and how changes are priced.
Line the quotes up side by side against that list. A lower total that excludes permits, disposal or a necessary second stage is not cheaper once those items are added back. Ask each provider to confirm in writing what would change the price, because that answer tells you more about the final bill than the headline number does.
This site does not quote mortgage work and is not a contractor. Nothing here is an offer, a quote or an estimate.
Compare nearby markets
Questions about these figures
How many sourced data points does this mortgages page carry?
Is mortgages pricing the same everywhere in us/florida/jacksonville?
Can mortgage be financed?
How should I use these figures?
Confirm before you budget
Get at least three local quotes in writing, confirm what each one includes, and ask what would change the price. A published average is a starting point, not an offer.