Florida · Residential desk · September 12, 2026
Florida’s state HPI is not a Tampa print
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The opening local note already said a Florida headline is not a metro print. FHFA’s August 25 release now gives this desk a dated state number. The seasonally adjusted purchase-only House Price Index for Florida rose 0.18% in the second quarter and 0.96% from a year earlier, rank 41 on the one-year list. The same report has U.S. house prices up 0.3% in the quarter and 2.1% year over year. A state rank is not a Hillsborough median.
What the cited tape move does to a $400,000 30-year shape
Principal and interest only, from 6.71% as of Aug 14 to 6.81% as of Aug 28. That is about $27 more per month before tax and insurance. Run the calculator. Not an approval.
What the August 25 table actually named
FHFA’s state table is purchase-only and seasonally adjusted. Florida’s five-year change in that table is 37.47%. The U.S. year-over-year figure in the Q2 report is 2.1%. Florida’s 0.96% is slower than the national purchase-only year. That is a state comparison. It is not Orlando-Kissimmee-Sanford. It is not Miami-Miami Beach-Kendall. Later notes on those hubs cite the metro and division rows.
Saturday’s national residential note already said a Saturday offer is not pending home sales. The same split holds after a state HPI: a closed-sale repeat-sales index with a lag is not NAR, not Census new-home sales, and not a weekend contract stack.
What still sits on the national tape
The last official daily 30-year cited here is 6.81% as of August 28. Freddie Mac’s weekly 30-year is 6.66% as of August 27. The 10-year CMT is 4.73% on August 28. A Florida HPI rank does not rewrite those coupons. Friday already said the last weekday before FOMC week is not a lock. The meeting is still September 15–16.
Use the payment calculator only as a shape. Add tax and insurance when you have the county numbers. The result is not an approval. This publication does not originate loans.
FAQ
Did FHFA say Florida house prices rose 2.1%?
No. The 2.1% year-over-year figure in the August 25, 2026 report is the U.S. purchase-only HPI. Florida’s seasonally adjusted purchase-only year-over-year change in the state table is 0.96%.
Is the Florida state HPI a Tampa or Miami print?
No. It is the state row. Named metro and division notes live on those hubs.
Sources: FHFA House Price Index Report, 2026 Q2 (published August 25, 2026; U.S. purchase-only +0.3% quarter, +2.1% year); FHFA HPI summary tables, 2026 Q2 (Florida SA purchase-only +0.18% quarter, +0.96% year, rank 41); Mortgage News Daily daily rate index (30-year 6.81% as of August 28, 2026); Freddie Mac PMMS (weekly 30-year 6.66% as of August 27, 2026).