Mortgage Refinance Rates in Duval County, Florida (2026)
For Duval County homeowners, the refinance question in 2026 is simple: on a $224,000 balance, a move from 7.50% down to 6.25% frees up roughly $187 every month — and equity near Duval County opens cash-out room too.
Duval County rate-and-term refinance
On a representative $224,000 loan in Duval County, the before-and-after looks like this:
| Payment | Per Month |
|---|---|
| Today (~7.50%) | $1,566 |
| Refinanced (~6.25%) | $1,379 |
| What you would save | $187 |
Figures assume a 30-year term and Florida escrows — your actual numbers move with your credit and loan size. Get alerts when rates drop.
Duval County refinance by loan size
Bigger balances save more each month. Here is the same 7.50%-to-6.25% move across three Duval County loan sizes:
| Balance | Now (~7.50%) | Refi (~6.25%) | Monthly Saved |
|---|---|---|---|
| $157,000 | $1,098 | $967 | $131 |
| $224,000 | $1,566 | $1,379 | $187 |
| $302,000 | $2,112 | $1,859 | $252 |
Duval County payment by interest rate
Here is the monthly principal and interest on a $224,000 Duval County balance at a range of rates, for both 30- and 15-year terms:
| Rate | 30-yr P&I | 15-yr P&I |
|---|---|---|
| 5.50% | $1,272 | $1,830 |
| 5.75% | $1,307 | $1,860 |
| 6.00% | $1,343 | $1,890 |
| 6.25% | $1,379 | $1,921 |
| 6.50% | $1,416 | $1,951 |
| 6.75% | $1,453 | $1,982 |
| 7.00% | $1,490 | $2,013 |
A 15-year refinance of $224,000 near Duval County runs about $1,921/month versus $1,379 on a 30-year — a higher payment near Duval County but far less total interest over the life of the Duval County loan.
Duval County cash-out options
Need cash for a project near Duval County? An 80%-LTV cash-out refinance frees up about $40,000 of your Duval County equity in a single new loan.
| Cash-Out Figure | Amount |
|---|---|
| Appraised value (est.) | $330,000 |
| Balance you owe now | $224,000 |
| Max new loan at 80% LTV | $264,000 |
| Cash you could pull out | $40,000 |
In Duval County, Florida, property taxes average roughly 0.86% of value, so escrow on a $330,000 home adds about $237/month beyond principal and interest. A $224,000 balance sits near 68% loan-to-value, leaving about $106,000 in equity — room for a rate-and-term refinance now and a cash-out later around Duval County.
Duval County loan limits for 2026
Duval County's 2026 conforming limit is $806,500 for a single-family home — the national baseline used across most of the Southeast. Refinance a balance above it and you are in jumbo territory, which carries its own rates and guidelines.
- Duval County value about $330,000 with a $224,000 balance (~68% LTV).
- Monthly savings near $187; break-even around month 30 on $5,600 of costs.
- Five-year net of about $5,622 and cash-out room near $40,000.
- Conforming limit $806,500; current equity roughly $106,000 near Duval County.
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Frequently Asked Questions
- What could a refinance save me in Duval County?
- On a typical $224,000 balance, moving from about 7.50% to 6.25% saves roughly $187/month in principal and interest. Your savings depend on your current rate, balance, and term.
- What is my cash-out limit in Duval County?
- Conventional cash-out refinances are capped at 80% of appraised value. On an estimated $330,000 Duval County home with a $224,000 balance, that is about $40,000 in available cash.
- When does a Duval County refinance turn jumbo?
- The 2026 conforming limit is $806,500 for a one-unit home (the national baseline). Refinances above that are jumbo loans.
- How fast do I break even in Duval County?
- Divide your closing costs (about $5,600 here) by your monthly savings. In this example you break even near month 30 — refinance only if you will keep the home past that.
- How much equity is in a typical Duval County-area home?
- On an estimated $330,000 value with a $224,000 balance, that is about $106,000 in equity — roughly 32%. A conventional cash-out requires you to keep 20%.
- Is now a good time to refinance in Duval County?
- A common rule of thumb: refinance when you can cut your rate by about 0.75 to 1% and stay past your break-even (near month 30 here). On a $224,000 Duval County balance, that move is worth roughly $187 a month.