Average Closing Costs in Florida (2026)
Florida Closing Cost Laws & Requirements
Florida Homestead Exemption reduces assessed value of a primary residence by up to $50,000. The Save Our Homes cap limits annual increases in assessed value to 3% or inflation whichever is lower. Florida has no state income tax.
Transfer Tax
Florida charges Documentary Stamp Tax of $0.70 per $100 of sale price on the deed. Miami-Dade charges $0.60. The mortgage note is taxed separately at $0.35 per $100.
First-Time Buyer Programs in Florida
Florida Housing Finance Corporation offers the Florida First and HFA Preferred programs with below-market rates and down payment assistance.
Closing Costs by City in Florida
| City | Typical Range | Avg % of Price |
|---|---|---|
| Miami | $11,900 – $29,750 | 2.3% |
| Orlando | $7,300 – $18,250 | 2.3% |
| Tampa | $7,700 – $19,250 | 2.3% |
| Jacksonville | $6,100 – $15,250 | 2.3% |
| Fort Lauderdale | $9,700 – $24,250 | 2.3% |
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