WEST PALM BEACH - BOCA RATON - BOYNTON BEACH Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in West Palm Beach - Boca Raton - Boynton Beach averaged
7.06%
for the week of 2025-05-01, compared to the national average of
6.76% for the same period.
The average rate for the prior week (2025-04-24) was
7.11% and
one month ago for the week of 2025-03-27, the
average rate was 6.55%.
West Palm Beach - Boca Raton - Boynton Beach's average rate one year ago was 7.27%.
For refis of the same type during the week of 2025-05-01, the average rate
was 7.46%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-01 | 6.76% |
| West Palm Beach - Boca Raton - Boynton Beach 30 Year Fixed Rate | 2025-05-01 | 7.06% |
| West Palm Beach - Boca Raton - Boynton Beach 30 Year Fixed Rate Refi | 2025-05-01 | 7.46% |
| West Palm Beach - Boca Raton - Boynton Beach 15 Year Fixed Rate | 2025-05-01 | 6.12% |
| West Palm Beach - Boca Raton - Boynton Beach 15 Year Fixed Rate Refi | 2025-05-01 | 6.52% |
| West Palm Beach - Boca Raton - Boynton Beach 30 Year FHA | 2025-05-01 | 6.31% |
| West Palm Beach - Boca Raton - Boynton Beach 30 Year FHA Refi | 2025-05-01 | 6.51% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL.
WEST PALM BEACH - BOCA RATON - BOYNTON BEACH Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|
WEST PALM BEACH - BOCA RATON - BOYNTON BEACH Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - WEST PALM BEACH - BOCA RATON - BOYNTON BEACH (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $390,000 (4.0%) | $877,914 (3.0%) | 1.45 | 46,965 |
| 2018-02-01 | $389,950 (3.4%) | $876,078 (2.7%) | 1.42 | 48,001 |
| 2018-03-01 | $394,900 (3.3%) | $877,390 (2.1%) | 1.39 | 48,472 |
| 2018-04-01 | $397,250 (3.2%) | $878,636 (1.5%) | 1.35 | 48,104 |
| 2018-05-01 | $399,000 (2.7%) | $878,088 (0.5%) | 1.33 | 47,080 |
| 2018-06-01 | $399,000 (3.2%) | $876,987 (1.6%) | 1.33 | 46,265 |
| 2018-07-01 | $399,000 (2.3%) | $872,124 (1.4%) | 1.33 | 45,955 |
| 2018-08-01 | $398,750 (2.0%) | $864,479 (0.1%) | 1.34 | 45,634 |
| 2018-09-01 | $397,500 (1.9%) | $863,007 (-0.7%) | 1.34 | 46,079 |
| 2018-10-01 | $395,000 (1.4%) | $865,304 (0.5%) | 1.34 | 47,542 |
| 2018-11-01 | $395,000 (1.3%) | $870,084 (0.6%) | 1.34 | 49,388 |
| 2018-12-01 | $390,000 (0.0%) | $876,936 (1.0%) | 1.35 | 50,362 |
| 2019-01-01 | $390,000 (0.0%) | $877,276 (-0.1%) | 1.35 | 51,140 |
| 2019-02-01 | $390,000 (0.0%) | $880,133 (0.5%) | 1.32 | 52,899 |
| 2019-03-01 | $393,857 (-0.3%) | $880,812 (0.4%) | 1.29 | 52,213 |
| 2019-04-01 | $399,000 (0.4%) | $886,067 (0.9%) | 1.27 | 50,841 |
| 2019-05-01 | $399,900 (0.2%) | $894,511 (1.9%) | 1.25 | 49,416 |
| 2019-06-01 | $399,995 (0.3%) | $888,843 (1.4%) | 1.25 | 47,728 |
| 2019-07-01 | $400,000 (0.3%) | $884,072 (1.4%) | 1.25 | 46,164 |
| 2019-08-01 | $399,727 (0.3%) | $881,485 (2.0%) | 1.27 | 45,590 |
| 2019-09-01 | $399,318 (0.5%) | $884,201 (2.5%) | 1.28 | 45,053 |
| 2019-10-01 | $399,295 (1.1%) | $890,712 (2.9%) | 1.29 | 44,973 |
| 2019-11-01 | $399,900 (1.2%) | $914,819 (5.1%) | 1.31 | 45,821 |
| 2019-12-01 | $399,900 (2.5%) | $928,944 (5.9%) | 1.33 | 45,645 |
| 2020-01-01 | $399,125 (2.3%) | $936,957 (6.8%) | 1.33 | 44,974 |
| 2020-02-01 | $399,900 (2.5%) | $942,032 (7.0%) | 1.31 | 45,472 |
| 2020-03-01 | $399,950 (1.6%) | $943,073 (7.1%) | 1.25 | 45,268 |
| 2020-04-01 | $395,000 (-1.0%) | $909,506 (2.7%) | 1.24 | 44,431 |
| 2020-05-01 | $390,000 (-2.5%) | $914,368 (2.2%) | 1.19 | 43,837 |
| 2020-06-01 | $399,000 (-0.3%) | $928,949 (4.5%) | 1.18 | 42,715 |
| 2020-07-01 | $399,450 (-0.1%) | $951,341 (7.6%) | 1.16 | 40,287 |
| 2020-08-01 | $399,900 (0.0%) | $962,154 (9.2%) | 1.15 | 39,107 |
| 2020-09-01 | $400,000 (0.2%) | $977,464 (10.6%) | 1.15 | 38,035 |
| 2020-10-01 | $405,000 (1.4%) | $988,909 (11.0%) | 1.16 | 37,485 |
| 2020-11-01 | $400,000 (0.0%) | $988,818 (8.1%) | 1.17 | 37,077 |
| 2020-12-01 | $399,999 (0.0%) | $994,325 (7.0%) | 1.19 | 35,995 |
| 2021-01-01 | $399,000 (0.0%) | $985,980 (5.2%) | 1.19 | 33,468 |
| 2021-02-01 | $396,000 (-1.0%) | $1,001,301 (6.3%) | 1.15 | 30,512 |
| 2021-03-01 | $398,750 (-0.3%) | $1,025,276 (8.7%) | 1.13 | 26,860 |
| 2021-04-01 | $412,000 (4.3%) | $1,061,309 (16.7%) | 1.12 | 24,099 |
| 2021-05-01 | $429,000 (10.0%) | $1,116,370 (22.1%) | 1.14 | 21,800 |
| 2021-06-01 | $449,000 (12.5%) | $1,163,849 (25.3%) | 1.18 | 20,633 |
| 2021-07-01 | $455,500 (14.0%) | $1,159,295 (21.9%) | 1.20 | 20,962 |
| 2021-08-01 | $459,500 (14.9%) | $1,176,863 (22.3%) | 1.23 | 20,831 |
| 2021-09-01 | $467,450 (16.9%) | $1,207,975 (23.6%) | 1.25 | 20,298 |
| 2021-10-01 | $479,850 (18.5%) | $1,260,576 (27.5%) | 1.28 | 19,457 |
| 2021-11-01 | $482,500 (20.6%) | $1,304,727 (32.0%) | 1.29 | 18,303 |
| 2021-12-01 | $492,000 (23.0%) | $1,343,447 (35.1%) | 1.33 | 17,026 |
| 2022-01-01 | $495,000 (24.1%) | $1,399,438 (41.9%) | 1.34 | 15,400 |
| 2022-02-01 | $522,450 (31.9%) | $1,501,636 (50.0%) | 1.36 | 13,563 |
| 2022-03-01 | $544,500 (36.6%) | $1,566,457 (52.8%) | 1.36 | 13,063 |
| 2022-04-01 | $577,500 (40.2%) | $1,616,114 (52.3%) | 1.38 | 12,825 |
| 2022-05-01 | $622,000 (45.0%) | $1,623,239 (45.4%) | 1.42 | 14,723 |
| 2022-06-01 | $625,000 (39.2%) | $1,531,062 (31.6%) | 1.39 | 17,323 |
| 2022-07-01 | $620,000 (36.1%) | $1,432,579 (23.6%) | 1.40 | 21,070 |
| 2022-08-01 | $604,250 (31.5%) | $1,406,924 (19.6%) | 1.40 | 22,462 |
| 2022-09-01 | $599,000 (28.1%) | $1,393,945 (15.4%) | 1.40 | 22,559 |
| 2022-10-01 | $599,000 (24.8%) | $1,407,112 (11.6%) | 1.41 | 23,833 |
| 2022-11-01 | $599,000 (24.2%) | $1,431,246 (9.7%) | 1.44 | 25,517 |
| 2022-12-01 | $595,000 (20.9%) | $1,461,330 (8.8%) | 1.47 | 25,912 |
| 2023-01-01 | $595,000 (20.2%) | $1,473,889 (5.3%) | 1.47 | 25,919 |
| 2023-02-01 | $599,000 (14.7%) | $1,503,920 (0.2%) | 1.45 | 25,462 |
| 2023-03-01 | $599,444 (10.1%) | $1,521,207 (-2.9%) | 1.41 | 24,536 |
| 2023-04-01 | $605,000 (4.8%) | $1,570,111 (-2.9%) | 1.41 | 23,340 |
| 2023-05-01 | $607,598 (-2.3%) | $1,579,899 (-2.7%) | 1.38 | 22,854 |
| 2023-06-01 | $604,848 (-3.2%) | $1,548,211 (1.1%) | 1.36 | 22,583 |
| 2023-07-01 | $600,995 (-3.1%) | $1,497,098 (4.5%) | 1.37 | 22,403 |
| 2023-08-01 | $600,000 (-0.7%) | $1,468,712 (4.4%) | 1.38 | 22,488 |
| 2023-09-01 | $599,000 (0.0%) | $1,445,209 (3.7%) | 1.39 | 24,077 |
| 2023-10-01 | $598,500 (-0.1%) | $1,453,940 (3.3%) | 1.41 | 26,415 |
| 2023-11-01 | $594,973 (-0.7%) | $1,473,539 (3.0%) | 1.42 | 29,158 |
| 2023-12-01 | $579,900 (-2.5%) | $1,467,078 (0.4%) | 1.41 | 30,835 |
| 2024-01-01 | $564,500 (-5.1%) | $1,460,653 (-0.9%) | 1.38 | 32,515 |
| 2024-02-01 | $550,000 (-8.2%) | $1,417,762 (-5.7%) | 1.32 | 34,971 |
| 2024-03-01 | $549,000 (-8.4%) | $1,373,035 (-9.7%) | 1.29 | 36,367 |
| 2024-04-01 | $540,000 (-10.7%) | $1,335,206 (-15.0%) | 1.26 | 36,956 |
| 2024-05-01 | $539,450 (-11.2%) | $1,319,018 (-16.5%) | 1.23 | 37,421 |
| 2024-06-01 | $535,000 (-11.6%) | $1,260,339 (-18.6%) | 1.22 | 37,870 |
| 2024-07-01 | $535,000 (-11.0%) | $1,229,123 (-17.9%) | 1.22 | 38,455 |
| 2024-08-01 | $530,000 (-11.7%) | $1,208,363 (-17.7%) | 1.23 | 38,724 |
| 2024-09-01 | $525,000 (-12.4%) | $1,209,341 (-16.3%) | 1.24 | 40,430 |
| 2024-10-01 | $525,000 (-12.3%) | $1,221,196 (-16.0%) | 1.24 | 41,517 |
| 2024-11-01 | $525,000 (-11.8%) | $1,247,485 (-15.3%) | 1.26 | 44,007 |
| 2024-12-01 | $522,500 (-9.9%) | $1,268,493 (-13.5%) | 1.30 | 44,833 |
| 2025-01-01 | $520,000 (-7.9%) | $1,273,716 (-12.8%) | 1.30 | 45,792 |
| 2025-02-01 | $515,000 (-6.4%) | $1,264,377 (-10.8%) | 1.25 | 48,691 |
| 2025-03-01 | $512,000 (-6.7%) | $1,252,135 (-8.8%) | 1.21 | 50,841 |
| 2025-04-01 | $510,000 (-5.6%) | $1,239,023 (-7.2%) | 0.00 | 51,987 |
WEST PALM BEACH - BOCA RATON - BOYNTON BEACH's median listing price for 2025-04-01 was $510,000, a difference of
$-30,000
(-5.6%) versus the prior year and
$-2,000 versus the prior month.
WEST PALM BEACH - BOCA RATON - BOYNTON BEACH's median listing price comes in at 0% of the national average.
WEST PALM BEACH - BOCA RATON - BOYNTON BEACH's average listing price for 2025-04-01 was $1,239,023, a difference of $-96,183 (-7.2%) versus the prior year and $-13,112 versus the prior month.
For the 2025-04-01 period, WEST PALM BEACH - BOCA RATON - BOYNTON BEACH had 51,987 MLS listings, a difference of 1,146 listings (2%) versus the prior month and 15,031 listings (41%) versus the prior year.
WEST PALM BEACH - BOCA RATON - BOYNTON BEACH's median listing price comes in at 0% of the national average.
WEST PALM BEACH - BOCA RATON - BOYNTON BEACH's average listing price for 2025-04-01 was $1,239,023, a difference of $-96,183 (-7.2%) versus the prior year and $-13,112 versus the prior month.
For the 2025-04-01 period, WEST PALM BEACH - BOCA RATON - BOYNTON BEACH had 51,987 MLS listings, a difference of 1,146 listings (2%) versus the prior month and 15,031 listings (41%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - WEST PALM BEACH - BOCA RATON - BOYNTON BEACH (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 81 days | 1,498 sqft |
| 2018-02-01 | 78 days | 1,499 sqft |
| 2018-03-01 | 72 days | 1,500 sqft |
| 2018-04-01 | 74 days | 1,501 sqft |
| 2018-05-01 | 76 days | 1,506 sqft |
| 2018-06-01 | 79 days | 1,515 sqft |
| 2018-07-01 | 80 days | 1,516 sqft |
| 2018-08-01 | 81 days | 1,513 sqft |
| 2018-09-01 | 81 days | 1,510 sqft |
| 2018-10-01 | 78 days | 1,507 sqft |
| 2018-11-01 | 75 days | 1,510 sqft |
| 2018-12-01 | 79 days | 1,507 sqft |
| 2019-01-01 | 83 days | 1,505 sqft |
| 2019-02-01 | 81 days | 1,507 sqft |
| 2019-03-01 | 79 days | 1,512 sqft |
| 2019-04-01 | 78 days | 1,520 sqft |
| 2019-05-01 | 81 days | 1,525 sqft |
| 2019-06-01 | 85 days | 1,527 sqft |
| 2019-07-01 | 86 days | 1,530 sqft |
| 2019-08-01 | 86 days | 1,524 sqft |
| 2019-09-01 | 86 days | 1,515 sqft |
| 2019-10-01 | 85 days | 1,509 sqft |
| 2019-11-01 | 81 days | 1,507 sqft |
| 2019-12-01 | 84 days | 1,500 sqft |
| 2020-01-01 | 87 days | 1,499 sqft |
| 2020-02-01 | 82 days | 1,488 sqft |
| 2020-03-01 | 74 days | 1,485 sqft |
| 2020-04-01 | 82 days | 1,462 sqft |
| 2020-05-01 | 94 days | 1,450 sqft |
| 2020-06-01 | 103 days | 1,437 sqft |
| 2020-07-01 | 96 days | 1,407 sqft |
| 2020-08-01 | 82 days | 1,389 sqft |
| 2020-09-01 | 81 days | 1,381 sqft |
| 2020-10-01 | 81 days | 1,376 sqft |
| 2020-11-01 | 79 days | 1,367 sqft |
| 2020-12-01 | 81 days | 1,357 sqft |
| 2021-01-01 | 83 days | 1,334 sqft |
| 2021-02-01 | 75 days | 1,303 sqft |
| 2021-03-01 | 64 days | 1,293 sqft |
| 2021-04-01 | 60 days | 1,297 sqft |
| 2021-05-01 | 56 days | 1,312 sqft |
| 2021-06-01 | 53 days | 1,341 sqft |
| 2021-07-01 | 52 days | 1,361 sqft |
| 2021-08-01 | 53 days | 1,365 sqft |
| 2021-09-01 | 54 days | 1,368 sqft |
| 2021-10-01 | 55 days | 1,376 sqft |
| 2021-11-01 | 56 days | 1,376 sqft |
| 2021-12-01 | 58 days | 1,366 sqft |
| 2022-01-01 | 61 days | 1,356 sqft |
| 2022-02-01 | 48 days | 1,363 sqft |
| 2022-03-01 | 40 days | 1,387 sqft |
| 2022-04-01 | 40 days | 1,435 sqft |
| 2022-05-01 | 36 days | 1,489 sqft |
| 2022-06-01 | 37 days | 1,500 sqft |
| 2022-07-01 | 40 days | 1,512 sqft |
| 2022-08-01 | 49 days | 1,513 sqft |
| 2022-09-01 | 57 days | 1,513 sqft |
| 2022-10-01 | 60 days | 1,518 sqft |
| 2022-11-01 | 61 days | 1,516 sqft |
| 2022-12-01 | 66 days | 1,500 sqft |
| 2023-01-01 | 72 days | 1,488 sqft |
| 2023-02-01 | 67 days | 1,472 sqft |
| 2023-03-01 | 60 days | 1,460 sqft |
| 2023-04-01 | 63 days | 1,453 sqft |
| 2023-05-01 | 63 days | 1,442 sqft |
| 2023-06-01 | 62 days | 1,442 sqft |
| 2023-07-01 | 64 days | 1,435 sqft |
| 2023-08-01 | 62 days | 1,427 sqft |
| 2023-09-01 | 58 days | 1,418 sqft |
| 2023-10-01 | 56 days | 1,423 sqft |
| 2023-11-01 | 57 days | 1,426 sqft |
| 2023-12-01 | 61 days | 1,407 sqft |
| 2024-01-01 | 68 days | 1,394 sqft |
| 2024-02-01 | 62 days | 1,376 sqft |
| 2024-03-01 | 58 days | 1,363 sqft |
| 2024-04-01 | 64 days | 1,353 sqft |
| 2024-05-01 | 65 days | 1,348 sqft |
| 2024-06-01 | 68 days | 1,348 sqft |
| 2024-07-01 | 73 days | 1,344 sqft |
| 2024-08-01 | 74 days | 1,340 sqft |
| 2024-09-01 | 73 days | 1,335 sqft |
| 2024-10-01 | 74 days | 1,336 sqft |
| 2024-11-01 | 74 days | 1,345 sqft |
| 2024-12-01 | 79 days | 1,333 sqft |
| 2025-01-01 | 79 days | 1,331 sqft |
| 2025-02-01 | 74 days | 1,332 sqft |
| 2025-03-01 | 67 days | 1,332 sqft |
| 2025-04-01 | 0 days | 1,332 sqft |
WEST PALM BEACH - BOCA RATON - BOYNTON BEACH's median listing age (time on market) for 2025-04-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
WEST PALM BEACH - BOCA RATON - BOYNTON BEACH's median square footage for active listings during the 2025-04-01 period was 1,332 sqft. One year prior, the average listing was 1,353 sqft.
WEST PALM BEACH - BOCA RATON - BOYNTON BEACH's median square footage for active listings during the 2025-04-01 period was 1,332 sqft. One year prior, the average listing was 1,353 sqft.
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|
Loan Sizing (WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|