Florida imposes a Documentary Stamp Tax ("doc stamps") on the deed at recording, which functions as the state's real estate transfer tax. Statewide rate (all counties except Miami-Dade): $0.70 per $100 of consideration (0.70% of sale price). Miami-Dade County has its own lower base rate of $0.60 per $100 (0.60%) for single-family residences; for any other property type (condos, commercial, multi-family, vacant land) Miami-Dade adds a $0.45 per $100 discretionary surtax, bringing the effective rate to $1.05 per $100 (1.05%). Separately, there is a documentary stamp tax on mortgages/promissory notes of $0.35 per $100 of the loan amount (0.35%) — this is a financing/note tax, not the deed transfer tax itself, but is commonly grouped into Florida closing-cost discussions. Source: Florida Department of Revenue (floridarevenue.com/taxes/taxesfees/Pages/doc_stamp.aspx), corroborated by multiple 2026 closing-cost guides.
Buyers: roughly 2%-5% of the purchase price. Sellers: roughly 2%-5% of the sale price excluding agent commission; when the customary 5%-6% real estate commission is included, total seller-side costs are often cited as roughly 6%-10% of sale price. These are 2026 estimates from multiple real-estate closing-cost sources (Rocket Mortgage, Houzeo, ListWithClever, M/I Homes) and will vary by transaction and county.
Who typically pays: By long-standing Florida custom (not statute), the SELLER pays the documentary stamp tax on the deed in every county except Miami-Dade, where local custom shifts this cost to the BUYER instead. All parties who sign the deed remain legally liable for the tax regardless of who customarily pays, and the allocation is always negotiable in the purchase contract. Separately, in Miami-Dade and Broward counties, owner's title insurance is customarily paid by the buyer, whereas in the rest of the state it is customarily a seller expense. Buyers generally cover lender/financing fees, prepaids, and inspections; sellers generally cover the deed transfer tax, agent commissions, and title-related charges (outside Miami-Dade/Broward).
No city-level transfer taxes were found anywhere in Florida — the only county-level variation is Miami-Dade's discretionary surtax (an extra $0.45/$100) which applies only to non-single-family-residence transfers, plus Miami-Dade's reversed buyer/seller custom for the doc stamp tax. Broward County follows the standard $0.70/$100 statewide rate but shares Miami-Dade's buyer-pays-title-insurance custom. Florida has no separate "mansion tax" or progressive/bracketed transfer tax rate structure (unlike states such as NY or NJ) — the doc stamp tax is a flat per-$100 rate regardless of price tier. Be aware the 2026 homestead exemption ballot measure (HJR 1-F) that appeared in search results concerns annual ad valorem property tax, not the transfer/doc stamp tax on sale transactions — it is unrelated to closing-cost transfer tax questions.
Facts on this page reflect research current as of 2026-07-05. Programs, rates, and laws change — confirm current figures with the relevant state agency before relying on them.