What you pay when you sell a home in Florida, and what you take home: deed tax, title insurance, commission, payoff and prorations. Enter your numbers below for an estimate.
Enter your sale price, payoff and commission. Florida's deed tax and title insurance are figured from the rates set by state law and rule.
Rates as of November 7, 2026. Florida deed tax, title insurance rates and FIRPTA withholding are set by law and can change; recording fees come from the county clerk. Commission, payoff and the other figures are yours to enter. The settlement statement from your closing agent is the final word.
These costs follow state rates, so they are the same whichever title company handles your closing.
| Cost | Florida rate | Notes |
|---|---|---|
| Documentary stamp tax on the deed | 70 cents per $100 of the price (or part of $100) | Your contract says which side pays. The state holds all parties liable for it, so it is collected at closing. |
| Owner's title insurance | $5.75 per $1,000 up to $100,000; $5.00 per $1,000 from $100,000 to $1 million; $2.50 per $1,000 from $1 million to $5 million; lower above that. $100 minimum. | Paid by the seller or the buyer, as the contract says. The premium is the same at any title company; settlement fees are not. |
| Recording fees | $10 for the first page, $8.50 for each added page | Sellers usually pay to record documents that clear title, such as a mortgage satisfaction. |
Rates and rules as of November 7, 2026. They can change when Florida or federal law changes; check with your closing agent before you rely on them. Sources: Florida Department of Revenue, Documentary Stamp Tax overview (PDF); Sarasota County Clerk, recording fees and taxes (F.S. 28.24); Florida Administrative Code Rule 69O-186.003, title insurance rates
The commission is whatever you agree to in your listing agreement. It is negotiable and not set by law, and it may include an amount offered toward the buyer's agent.
Any loans on the home are paid off from your proceeds at closing. The title company orders a payoff letter from each lender, which includes interest up to the closing date.
Florida property tax bills are mailed by November 1 for that year's taxes and can be paid through March 31. When you sell before the year's bill is paid, you credit the buyer for the part of the year you owned the home. If you already paid the year's bill, the buyer credits you for the rest of the year instead.
The closing agent orders an estoppel certificate from your association showing what is owed. Unpaid dues, special assessments and the estoppel fee are paid from your proceeds.
The title company or closing attorney charges for its work and for searches for open permits and unpaid municipal liens. Open permits and code violations are best cleared before you list.
When the seller is a foreign person, the buyer generally must withhold 15% of the price for the IRS. No withholding is required when the price is $300,000 or less and an individual buyer will live in the home; 10% applies up to $1 million under the same residence test. The amount withheld is not a fee; you may recover some or all of it when you file a U.S. tax return.
Rates and rules as of November 7, 2026. They can change when Florida or federal law changes; check with your closing agent before you rely on them. Sources: Palm Beach County Tax Collector, property taxes; IRS, FIRPTA withholding; IRS, Instructions for Form 8288
Under Section 689.302, Florida Statutes, a seller of residential property must give the buyer a flood disclosure at or before the time the contract is signed. It asks about flood damage you know of during your ownership, flood insurance claims and federal flood assistance such as FEMA aid.
If the home is in a homeowners association, the buyer must receive a disclosure summary before signing the contract, under Section 720.401, Florida Statutes. If it is not given first, the buyer may cancel within 3 days after receiving it or before closing, whichever comes first.
Tell us early about anything that affects the home's value, such as past leaks, roof age or open permits. We will help you disclose it the right way and price the home with it in mind.
Rates and rules as of November 7, 2026. They can change when Florida or federal law changes; check with your closing agent before you rely on them. Sources: Fla. Stat. 689.302, flood disclosure; Fla. Stat. 720.401, HOA disclosure summary
The largest costs are usually the commission, the deed stamp tax (70 cents per $100 of the price) and, where the seller pays it, the owner's title insurance policy. Add your mortgage payoff, any credit to the buyer and your share of property taxes. The calculator above adds them up for your sale.
Your purchase contract says who pays it, and it can be negotiated. Under Florida law all parties are liable for the tax, so it is collected at closing.
Usually yes, for the part of the year you owned the home. Florida property tax bills go out each November for that year's taxes, so a seller who closes before the bill is paid credits the buyer at closing.
Generally 15% of the price under FIRPTA. It is 0% when the price is $300,000 or less and an individual buyer will live in the home, and 10% up to $1 million under the same test. Talk to a tax professional about applying for a reduced amount.
Your closing agent pays out the proceeds once the deed is signed and the funds are in, typically by wire. Ask your closing agent how they send funds.
Yes. We will price your home from recent sales and walk you through what you should net before you list.
Exodus Realty helps sellers across Palm Beach, Broward, Martin, St. Lucie and Indian River Counties price their homes and plan their net before listing.
Paul Christle, Licensed Real Estate Broker · Exodus Realty. Information is believed reliable but not guaranteed. Verify association rules, fees, flood zones, schools and taxes independently.
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All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of the Multiple Listing Service. Real estate listings held by brokerage firms other than Exodus Realty, LLC in Greater Fort Lauderdale Florida and Palm Beaches may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. Copyright ©2026 All rights reserved. Last Updated: November 7, 2026 9:16 PM UTC
