real-estate

How Much Does It Cost to Sell a House in Florida? Every Fee Sellers Pay in 2026

What it costs to sell a house in Florida in 2026: commission, doc stamp tax, who pays title insurance by county, estoppel fees, roof credits, and a $410,000 example.

How Much Does It Cost to Sell a House in Florida? Every Fee Sellers Pay in 2026

Selling a house in Florida costs most owners 7% to 10% of the sale price. On a $410,000 home, which is close to the statewide median this year, that is $28,700 to $41,000 in commission, state documentary stamp tax, title insurance, and the smaller fees that fill in around them.

Florida has a few costs that catch sellers off guard. The doc stamp tax on the deed is one of the higher transfer taxes in the Southeast and is paid by the seller almost everywhere in the state. Who pays for title insurance changes by county.

The inspections buyers order here, from four-point to wind mitigation, often turn into repair credits that come straight off the seller's net.

Commission Comes First

Total commission in Florida runs 5% to 6% on most sales, split between the listing and buyer sides. On a $410,000 home that is $20,500 to $24,600, and on a $750,000 home in Naples, Boca Raton, or Winter Park it is $37,500 to $45,000.

The National Association of Realtors settlement in 2024 removed buyer-agent compensation from MLS listings, and Florida buyers now sign agreements with their agents that specify the fee. Most Florida sellers still agree to cover 2.5% to 3% for the buyer's agent, because a buyer who has to pay their own agent will offer less or skip the house.

Listing-side commission is where sellers negotiate. Two and a half percent is common in Tampa, Orlando, Jacksonville, and South Florida, and agents will often go to 2% on higher-priced homes. Discount brokerages and flat-fee MLS services are widely available in the big metros and less so in the Panhandle and rural counties.

If you want to compare what agents charge and what comes with the fee, the real estate professionals in our Florida real estate directory are a good starting point.

Documentary Stamp Tax on the Deed

Florida charges a documentary stamp tax on every deed at $0.70 per $100 of the sale price, which works out to 0.7%. On a $410,000 sale that is $2,870, and on a $750,000 sale it is $5,250. Custom in nearly every Florida county is for the seller to pay it.

Miami-Dade County is the exception on rate. The county charges $0.60 per $100 on single-family homes, and adds a $0.45 per $100 surtax on anything that is not a single-family residence, which brings condos and multifamily in Miami-Dade to $1.05 per $100.

The buyer pays a separate doc stamp tax on their mortgage plus an intangible tax on the loan, which are not seller costs. Sellers with a mortgage do not pay doc stamps on the payoff.

The tax is collected at closing by the title company and sent to the state, so there is nothing to file separately.

Title Insurance and Who Pays It

Florida has no statewide rule on who pays for the owner's title insurance policy, and custom varies by county. In most of the state, including Orlando, Tampa, Jacksonville, and the Panhandle, the seller pays for the owner's policy and chooses the title company.

In Miami-Dade, Broward, Sarasota, and Collier Counties, the buyer typically pays for the owner's policy and chooses the title company. Palm Beach County is mixed, and the purchase contract will specify.

Florida title insurance rates are set by the state. On a $410,000 home the owner's policy runs about $2,175, and on a $750,000 home about $3,875. Where the seller pays, that is a real line item, and where the buyer pays, the seller's title costs drop to a few hundred dollars for title search and closing fees.

Sellers usually pay a title or settlement fee of $400 to $900 regardless of who buys the policy, plus $20 to $50 for recording the deed and a few smaller charges for wire transfers and document preparation.

HOA, Condo, and Estoppel Fees

Florida has more homeowners and condo associations than almost any state, and selling in one carries costs. The association is required by law to provide an estoppel certificate showing the seller's account status, and it can charge up to $299 for it, or more if the account is delinquent. Rush fees of up to $119 apply if the buyer needs it fast.

Condo sellers face more. Buyers now expect the association's milestone inspection reports and structural integrity reserve study, which became required for condos three stories and higher after the 2022 legislation, and a building that has not completed them will scare off buyers or draw lower offers.

Some associations charge a transfer or capital contribution fee that is negotiated between buyer and seller. Read the association documents before listing so the number is not a surprise at closing.

Dues are prorated at closing based on the payment period, and any special assessments that have been levied are usually the seller's responsibility unless the contract says otherwise.

Inspections and Repair Credits

Florida buyers order a standard home inspection at $350 to $600, and on any home older than 20 years or so the insurer will also want a four-point inspection covering roof, electrical, plumbing, and HVAC. If the four-point shows a roof older than 15 to 20 years, the buyer's insurance quote jumps or the carrier declines, and the buyer comes back asking for a roof credit.

Roof age is the single biggest repair negotiation in Florida right now. A roof replacement on a typical home runs $15,000 to $30,000, and buyers whose insurers will not write a policy on an old roof will ask for most of that as a credit or walk. Sellers with roofs older than 15 years should get a roof condition certification before listing so they know where they stand.

Wind mitigation inspections at $100 to $200 document features that earn insurance discounts, and sellers who have them done up front make the house easier to insure and easier to sell.

Termite inspections are standard, and WDO reports cost $75 to $150. Subterranean termites are common across the state, and treatment runs $1,000 to $3,000 if the inspection finds activity.

Getting the House Ready

Pre-listing costs in Florida center on the exterior. Pressure washing the house, driveway, and pool deck runs $300 to $700 and is one of the first things agents recommend, because algae and mildew on a Florida home read as neglect in photos. Landscaping cleanup runs $200 to $600.

Pool service before listing is worth the cost. A green or cloudy pool in listing photos costs more in buyer perception than the $150 to $300 it takes to get it clear.

Professional cleaning runs $250 to $500, and staging a vacant home runs $2,000 to $4,500 for two months in South Florida and Tampa Bay. Photography is usually included with a full-service listing, and drone footage, which shows water views and lot lines, adds $150 to $300 if it is not.

A pre-listing inspection at $400 to $600 is increasingly common because of the roof and four-point issues. Finding out about a problem before the buyer's inspector does gives you time to fix it or price for it.

Taxes and Your Net

Florida has no state income tax and no state capital gains tax. The only tax on the sale is federal, and the $250,000 single and $500,000 married exclusion for primary residences covers most sellers who lived in the home two of the last five years.

Investors and second-home owners, which describes a large share of Florida sellers, do not get the exclusion, and depreciation recapture applies to rentals. Talk to an accountant before listing a rental in Kissimmee or a vacation home in Destin.

Property taxes are prorated at closing based on the November bill, and homestead exemption ends with the sale. Buyers should know that their tax bill will reset to the purchase price, but that is not a seller cost.

Our blog covers home selling and service costs across Florida if you want more on timing a listing and preparing a home.

The Math on a $410,000 Sale

In a county where the seller pays title insurance, with a 5.5% commission and no HOA, the seller pays roughly $22,550 in commission, $2,870 in doc stamps, $2,175 for the owner's title policy, $600 in settlement and recording fees, and perhaps $800 in cleaning and pressure washing. That is about $28,995, or 7.1% of the price.

In Miami-Dade or Broward on a single-family home, where the buyer pays title insurance and doc stamps are $0.60 per $100, the same sale costs the seller about $26,410, or 6.4%.

Add a $5,000 roof credit and a 2% buyer concession, which are both common this year, and either figure climbs by $13,200. That is why the range for Florida sellers runs from about 6.5% to 10%, and why the roof and the county matter as much as the commission rate.

Frequently Asked Questions

Who pays the doc stamp tax in Florida?

The seller pays the documentary stamp tax on the deed, at $0.70 per $100 of the sale price in most counties and $0.60 per $100 in Miami-Dade. The buyer pays the doc stamps and intangible tax on their mortgage.

Who pays for title insurance in Florida?

It depends on the county. Sellers pay in most of the state, and buyers pay in Miami-Dade, Broward, Sarasota, and Collier. The purchase contract will state which applies.

How much is an estoppel fee in Florida?

Associations can charge up to $299 for a standard estoppel certificate and up to $119 more for a rush. Delinquent accounts can be charged more.

Do I have to replace my roof to sell in Florida?

No, but a roof older than 15 to 20 years makes the house hard for the buyer to insure, and most buyers will ask for a credit toward replacement. A roof certification before listing tells you what to expect.

Is there capital gains tax on a home sale in Florida?

No state tax. Federal capital gains apply above the $250,000 single or $500,000 married exclusion for primary residences, and fully on investment and second homes.