How are Florida Documentary Stamp Taxes calculated on a deed?

In 49 out of 50 Florida counties, the state levies a Documentary Stamp Tax (Doc Stamps) of $0.70 per $100 of the total sale price (0.70%). In Miami-Dade County, the rate is $0.60 per $100 for single-family homes, plus a $0.45 surtax for commercial or multi-family properties.

Who pays the Doc Stamps at a Florida real estate closing?

The seller is legally responsible for paying the Documentary Stamp Tax on the deed at closing. If a new mortgage is being opened, the buyer pays separate doc stamps ($0.35 per $100) and an intangible tax on the mortgage note.

Why do closing cost customs change by county in Florida?

Florida has distinct regional customs. In Northern and Central Florida, the seller selects the title company and pays for the owner's title insurance policy. In South Florida (Miami-Dade, Broward, and Palm Beach), the buyer traditionally chooses the title company and pays the premium.

Florida · Investor ROI

Underwrite your next Florida rental property.

Cash flow, cap rate, cash-on-cash, and long-term ROI — with Florida-specific closing-cost guidance below.

Property label

Shown on the PDF report and used in the file name.

Purchase price

Closing/Agent costs

Down payment20%

Interest rate6.75%

Loan term

yrs

Hold period

yrs

Gross monthly rent

Vacancy rate5%

Property tax (annual)

Insurance (annual)

HOA (monthly)

Maintenance8% of rent

Management8% of rent

Appreciation3% / yr

State guide

Understanding Closing Costs & Net Proceeds in Florida

Calculating your take-home cash or net investment returns requires an accurate understanding of local state statutes, tax brackets, and real estate customs. While national real estate platforms give vague averages, RealCalc uses hyper-localized financial calculations to evaluate your exact transaction costs.

Key local custom breakdown

State transfer taxes: Calculated automatically based on Florida's tax codes.
Title insurance custom: Set to match Florida local custom, but completely adjustable.
Commission structure: Fully compliant with decoupled representation structures to prevent equity overpayment.

How the Florida transfer tax is calculated

Transfer Tax = Sale Price × 0.007

Example: $500,000 × 0.007 = $3,500

Miami-Dade single-family homes use × 0.006 instead.

Frequently asked questions (Florida real estate)

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