How much are seller closing costs in Florida?

Florida sellers typically pay 6–8% of the sale price in total closing costs: 5–6% for agent commissions, 0.7% Documentary Stamp Tax on the deed (except Miami-Dade), roughly 0.5% for owner's title insurance in most counties, plus prorated property taxes, HOA, and settlement fees.

What is the Florida Documentary Stamp Tax on a deed?

Florida charges $0.70 per $100 of the sale price (0.70%) on the deed in all 66 counties except Miami-Dade. Miami-Dade uses $0.60 per $100 plus a $0.45 per $100 surtax on non-single-family properties. The seller almost always pays this tax at closing.

Who pays for title insurance in Florida?

It depends on the county. In most Florida counties the seller pays for the owner's title insurance policy. In Miami-Dade, Broward, Sarasota, and Collier counties the buyer typically pays. The rate is set by the state at roughly $5.75 per $1,000 on the first $100k and $5.00 per $1,000 above that.

Are there state income taxes on a Florida home sale?

No. Florida has no state income tax, so there is no state-level capital gains tax on a home sale. Federal capital gains rules still apply, but primary-residence sellers usually qualify for the IRS Section 121 exclusion ($250k single / $500k married).

Florida seller guide

Florida seller closing costs, line by line (2026)

Selling a home in Florida is closing-cost-heavy because sellers cover the Documentary Stamp Tax on the deed and — in most counties — the owner's title insurance policy. This guide walks through every line on a Florida seller net sheet, then hands off to the free Florida seller net sheet calculator.

Quick answer: what sellers pay in Florida

Total seller closing costs in Florida run 6–8% of the sale price, broken down roughly like this on a $500,000 home outside Miami-Dade:

Agent commissions (5–6%): $25,000 – $30,000
Doc Stamp Tax on deed (0.70%): $3,500
Owner's title insurance (~0.5%): $2,575
Settlement / escrow / recording: $500 – $1,000
Prorated property taxes & HOA: variable

1. Documentary Stamp Tax (Doc Stamps) on the deed

Florida's Documentary Stamp Tax is the biggest state-level line on a seller's net sheet. It is charged on the deed itself, based on the sale price:

Doc Stamps = Sale price × 0.007 (all counties except Miami-Dade)

Miami-Dade County is the one exception: the base rate drops to $0.60 per $100 (0.60%), but a $0.45 per $100 surtax applies to non-single-family transfers (condos, duplexes, commercial). Single-family homes in Miami-Dade pay only the 0.60% base rate.

The seller almost always pays Doc Stamps at closing — it's baked into the standard FAR/BAR contract.

2. Owner's title insurance (usually seller-paid)

Florida sets a promulgated title insurance rate. In most counties the seller pays the owner's policy; in Miami-Dade, Broward, Sarasota, and Collier the buyer traditionally pays. The state rate:

$5.75 per $1,000 on the first $100,000
$5.00 per $1,000 on the amount above $100,000

$500,000 policy = $575 + ($400,000 × $5.00/$1,000) = $2,575

Custom is negotiable in every county — RealCalc's Florida net sheet lets you flip the payer if your contract deviates.

3. Agent commissions after the NAR settlement

Post-NAR (effective August 2024), listing-side and buyer-side commissions are negotiated separately. Typical 2026 Florida ranges:

Listing agent: 2.5–3.0%
Buyer's agent (if you choose to offer): 2.0–3.0%

A growing minority of Florida sellers offer 0% on the buyer side and let the buyer negotiate compensation directly with their agent. That decision is now the biggest lever on your net sheet.

4. Settlement, escrow, and recording

Florida closings are handled by a title company or real estate attorney (both are legal). Expect roughly:

Settlement / closing fee: $350 – $700
Deed prep & document fees: $75 – $200
County recording fees: $30 – $100
Wire / courier / e-recording: $25 – $75

5. Prorated property taxes and HOA

Florida property taxes are billed in arrears and due November 1 (with early-pay discounts through February). At closing the seller owes tax from January 1 through the closing date — a debit that shows up on the settlement statement even though no bill has arrived yet. HOA and condo dues are prorated the same way; expect a separate estoppel fee ($200–$500) charged by the association.

6. Mortgage payoff and any HOA / lien releases

Get an official 10-day payoff quote from your lender — the statement balance is not the payoff amount. If your mortgage has a prepayment penalty (rare on post-2014 FL conventional loans), add it here. Any open code enforcement lien, HOA lien, or unpaid special assessment must clear at closing too.

7. Hurricane, flood, and 4-point disclosure impacts

Florida buyers routinely request repair credits after a 4-point or wind-mitigation inspection. These credits come straight off your net proceeds. Common asks in 2026: roof age credit, electrical panel replacement, and Chinese-drywall remediation on 2001–2008 builds. Model them as a seller concession on your net sheet.

Worked example: $500,000 Tampa single-family home

Contract price $500,000, mortgage payoff $260,000, 2.5% + 2.5% commissions, Hillsborough County (seller pays title), $1,800 prorated taxes, $3,000 buyer repair credit.

$500,000 − $260,000 − $25,000 − $3,500 − $2,575 − $700 − $1,800 − $3,000 = $203,425 net

That's roughly 41% of the sale price walking to the seller — a typical result for a Tampa or Orlando seller with meaningful equity.

Skip the spreadsheet

The free RealCalc Florida net sheet applies the 0.70% Doc Stamp rate (0.60% in Miami-Dade), state title-insurance formula, and 2026 commission defaults automatically. Enter your numbers and download a branded PDF for your seller in under 60 seconds.

Open the Florida net sheet