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 · Seller net proceeds

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Pre-loaded with Florida transfer-tax rules, recording-fee estimates, and title-insurance customs. Every field stays editable.

Property label

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

Sale details

Sale price

Estimated closing date

Current mortgage balance

Agent commissions

Seller agent commission3%

Buyer agent commission2.5%

Estimated closing expenses

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Property state

• Florida Deed Doc Stamps at 0.70% of gross sale price (Miami-Dade: 0.60%).

• In most of Florida, the Seller pays for Title Insurance. However, in Miami-Dade, Broward, Palm Beach, and Sarasota counties, the Buyer customarily pays.

• Florida imposes standard Documentary Stamp taxes instead of a sliding luxury mansion tax.

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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