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Florida transfer tax rules (2026)
Miami-Dade charges $0.60 per $100 on the deed (single-family homes). The note and intangible taxes apply only when you finance.
| Tax | Rate | Usually paid by |
|---|---|---|
| Documentary stamp tax on the deed ($0.70 per $100) | 0.7% | Contract / custom |
| Documentary stamp tax on the mortgage note ($0.35 per $100) | 0.35% of the loan | Buyer |
| Intangible tax on the mortgage (0.2%) | 0.2% of the loan | Buyer |
Florida also taxes the mortgage, so the down payment matters: on a $395,000 home the taxes are $4,720 with 10% down and $4,503 with 20% down.
Florida transfer tax by home price
| Home price | Buyer | Seller | By contract | Total taxes |
|---|---|---|---|---|
| $200,000 | $990 | $0 | $1,400 | $2,390 (1.2%) |
| $400,000 | $1,980 | $0 | $2,800 | $4,780 (1.2%) |
| $600,000 | $2,970 | $0 | $4,200 | $7,170 (1.2%) |
| $800,000 | $3,960 | $0 | $5,600 | $9,560 (1.2%) |
| $1,000,000 | $4,950 | $0 | $7,000 | $11,950 (1.2%) |
| $1,500,000 | $7,425 | $0 | $10,500 | $17,925 (1.2%) |
10% down, principal residence. Taxes split by law are shown half to each side. Exemptions (first-time buyer, senior, affordable housing) aren't applied.
Florida vs other states
On a $400,000 home Florida's taxes are $4,780 (1.2%), the 6th highest of 51. States nearby in the ranking:
- Washington$6,400
- New Hampshire$6,000
- Connecticut$4,000
- Vermont$3,940
All states: real estate transfer tax by state. Monthly payment: Florida mortgage calculator · how much house you can afford in Florida.
Sources
Checked 2026-10-23. Rates change — we re-check every state on a schedule. Confirm with your title company or closing attorney.
Closing cost calculators for other states
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Assumptions
- Transfer and recording taxes use each state's published rates; exemptions (first-time buyer, senior, affordable housing) aren't applied unless noted.
- Who pays a tax can be changed by the purchase contract; "either" means local custom or the contract decides.
- Other closing costs (lender, title, appraisal, prepaid items) vary widely — use your Loan Estimate for real numbers.
- Florida rules checked 2026-10-23: Florida Department of Revenue — documentary stamp tax.
Frequently asked questions
How much is the transfer tax in Florida?+
On a $395,000 home (about the Florida median) the taxes come to $4,720, or 1.2% of the price: Documentary stamp tax on the deed ($0.70 per $100) $2,765 (contract / custom), Documentary stamp tax on the mortgage note ($0.35 per $100) $1,244 (buyer), Intangible tax on the mortgage (0.2%) $711 (buyer).
Who pays the transfer tax in Florida, the buyer or the seller?+
Documentary stamp tax on the deed ($0.70 per $100): contract / custom; Documentary stamp tax on the mortgage note ($0.35 per $100): buyer; Intangible tax on the mortgage (0.2%): buyer. Who pays can be negotiated in the purchase contract.
What are closing costs in Florida?+
Expect transfer and recording taxes ($4,720 on a $395,000 home) plus lender, title, appraisal and prepaid costs, which typically add about 2%–5% of the price nationally. Your lender's Loan Estimate shows the real numbers.
How does Florida compare with other states?+
On a $400,000 home, Florida's $4,780 in taxes ranks 6th highest of 50 states and DC. Delaware is highest at $16,000; 15 states charge no state transfer tax at all.
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Uses 2026 rules and limits. Last reviewed October 23, 2026. Calculator version 1.0.0. Sources: Freddie Mac (via industry summaries) — closing costs typically 2%–5% of the purchase price. Results are estimates for educational purposes, not financial, tax or lending advice. How we check our numbers. Embed this calculator on your site for free.