Florida Seller Closing Costs & Net Proceeds Calculator
Estimate exactly what you'll walk away with after selling a home in Florida. Defaults below reflect typical Florida transfer-tax treatment, title custom, and seller closing costs.
Data last reviewed: August 2026
Estimated net proceeds — Florida
$0
Enter a sale price below to estimate your net proceeds in Florida.
Net Proceeds Calculator — Florida
Defaults reflect typical Florida practice. Edit any field to match your transaction.
Figures last updated: August 2026
Sale & loan
Commission
Post-NAR settlement: the buyer-agent share is negotiable. Switch to listing-only if you're not offering buyer-agent compensation.
Title & closing costs
Varies by county in Florida — check locally. Informational only — the premium amount isn't included in the totals below.
Optional adjustments
Breakdown
| Gross sale price | $0 |
| Agent commission | − $0 |
| Mortgage payoff | − $0 |
| Title / escrow services | − $0 |
| Transfer / excise tax | − $0 |
| Recording fees | − $75 |
| Settlement / escrow fee | − $450 |
| Home warranty | − $0 |
| Repairs / concessions | − $0 |
| Property tax proration | − $0 |
| HOA dues owed | − $0 |
| Total deductions | − $525 |
| Estimated net proceeds | $0 |
State-specific seller details
Transfer tax
Florida imposes a documentary stamp tax on the deed of $0.70 per $100 of consideration (about 0.70%), customarily paid by the seller. Miami-Dade County applies its own surtax/rate structure that differs from the rest of the state.
Closing structure
Title companies handle most Florida closings, though real-estate attorneys are common in certain regions (particularly South Florida).
Disclosure
Under the Florida Supreme Court's Johnson v. Davis decision, sellers must disclose known material defects that are not readily observable and that materially affect the value of the property.
State income tax on the gain
None. Florida has no state income tax, so the gain on a home sale is not taxed at the state level.
Agent commission
Real-estate commission is fully negotiable and typically falls within a customary range. Following the 2024 NAR settlement, buyer-agent compensation is no longer automatically seller-paid and is itself negotiable between the parties.
Last reviewed: August 2026
Source: Florida Department of Revenue and Johnson v. Davis, 480 So. 2d 625 (Fla. 1985).
Selling a home in Florida: what to expect
Transfer / excise tax
0.70% deed doc stamps (Miami-Dade 0.60% + surtax)
Title & closing custom
Custom varies by county: in most Florida counties the SELLER pays for the owner's title policy; in a handful of counties (e.g., Miami-Dade, Broward, Sarasota, Collier) the BUYER customarily pays.
Recording fees ~$10 first page + $8.50/additional page.
Typical commission
Around 5.5% of the sale price in Florida, combining the listing-side commission and anything the seller agrees to offer the buyer's brokerage. Always negotiable — there is no set rate.
Typical total seller closing costs
About 1.0%-2.5% of sale price (excluding agent commission).
Notes specific to Florida
- Florida charges a documentary stamp tax on deeds of $0.70 per $100 of sale price (0.70%), customarily paid by the seller at closing.
- Who pays for the owner's title insurance policy varies by Florida county — in Miami-Dade, Broward, Sarasota, and Collier counties it is customarily the buyer; in most other counties it is the seller.
- Florida has no state income tax, so capital-gains exposure on a primary-home sale is limited to federal rules.
A real example: selling a median-priced home in Florida
Florida's median sale price hit $395,595 in May 2026 (Redfin), up 1.7% year-over-year, with homes spending a median of 69 days on the market — the slowest-moving market in this batch. Running that price through this calculator's Florida defaults: a 5.5% commission comes to $21,758, the state's 0.70% documentary stamp tax on deeds adds $2,769, and closing costs of 1.0%–2.5% add roughly $6,923 at the midpoint — landing total deductions around $31,450, about 7.95% of the sale price, the second-highest percentage in this batch.
Who actually pays for the owner's title insurance policy depends on the county: sellers cover it in most of Florida, but in Miami-Dade, Broward, Sarasota, and Collier counties, custom flips and the buyer pays instead — a real cost swing worth confirming with your closing agent before assuming the statewide default applies.
Frequently asked questions — Florida
Who pays the transfer tax in Florida?
0.70% deed doc stamps (Miami-Dade 0.60% + surtax)
What are typical seller closing costs in Florida?
Excluding the real estate agent commission, sellers in Florida typically pay about 1.0%-2.5% of the sale price in closing costs. Custom varies by county: in most Florida counties the SELLER pays for the owner's title policy; in a handful of counties (e.g., Miami-Dade, Broward, Sarasota, Collier) the BUYER customarily pays.
What is the typical real estate commission in Florida?
Commission in Florida is negotiated between the seller and the listing brokerage — combined rates commonly land in the mid-single digits, but there is no set rate. Since the 2024 NAR settlement, what the seller offers the buyer's brokerage (if anything) is negotiated in the purchase contract, not advertised on the MLS.
Do I need an attorney to sell a home in Florida?
Florida closings are typically conducted by a title or escrow company; an attorney is not generally required, though sellers may choose to retain one.