Who Pays Closing Costs in Florida?

Florida sellers pay an average of 3.28% of sale price (excluding commissions) in closing costs — or 7–8% including agent commissions. The average total commission is 5.59% on average (typically split 2.81% for the listing agent and 2.78% for the buyer's agent). Since August 2024, sellers no longer must pay buyer agent commission — it's negotiable. Documentary stamps are $0.70 per

Source: Florida Realtors®, ATTOM Data, Houzeo, Citizens Florida · Data as of February 2026

Florida sellers pay an average of 3.28% of sale price (excluding commissions) in closing costs — or 7–8% including agent commissions. The average total commission is 5.59% on average (typically split 2.81% for the listing agent and 2.78% for the buyer's agent). Since August 2024, sellers no longer must pay buyer agent commission — it's negotiable. Documentary stamps are $0.70 per $100 of sale price ($0.60 per $100 in Miami-Dade County, plus a $0.45 surtax for non-single-family properties). Title insurance rates are state-regulated: $5.75 per $1,000 for the first $100K, then $5.00 per $1,000 up to $1M.

Florida sellers pay an average of 3.28% of sale price (excluding commissions) in closing costs — or 7–8% including agent commissions. The average total commission is 5.59% on average (typically split 2.81% for the listing agent and 2.78% for the buyer's agent). Since August 2024, sellers no longer must pay buyer agent commission — it's negotiable. Documentary stamps are $0.70 per $100 of sale price ($0.60 per $100 in Miami-Dade County, plus a $0.45 surtax for non-single-family properties). Title insurance rates are state-regulated: $5.75 per $1,000 for the first $100K, then $5.00 per $1,000 up to $1M.

Florida sellers pay an average of 3.28% of sale price (excluding commissions) in closing costs — or 7–8% including agent commissions. The average total commission is 5.59% on average (typically split 2.81% for the listing agent and 2.78% for the buyer's agent). Since August 2024, sellers no longer must pay buyer agent commission — it's negotiable. Documentary stamps are $0.70 per $100 of sale price ($0.60 per $100 in Miami-Dade County, plus a $0.45 surtax for non-single-family properties). Title insurance rates are state-regulated: $5.75 per $1,000 for the first $100K, then $5.00 per $1,000 up to $1M.

Florida sellers pay an average of 3.28% of sale price (excluding commissions) in closing costs — or 7–8% including agent commissions. The average total commission is 5.59% on average (typically split 2.81% for the listing agent and 2.78% for the buyer's agent). Since August 2024, sellers no longer must pay buyer agent commission — it's negotiable. Documentary stamps are $0.70 per $100 of sale price ($0.60 per $100 in Miami-Dade County, plus a $0.45 surtax for non-single-family properties). Title insurance rates are state-regulated: $5.75 per $1,000 for the first $100K, then $5.00 per $1,000 up to $1M.

Florida sellers pay an average of 3.28% of sale price (excluding commissions) in closing costs — or 7–8% including agent commissions. The average total commission is 5.59% on average (typically split 2.81% for the listing agent and 2.78% for the buyer's agent). Since August 2024, sellers no longer must pay buyer agent commission — it's negotiable. Documentary stamps are $0.70 per $100 of sale price ($0.60 per $100 in Miami-Dade County, plus a $0.45 surtax for non-single-family properties). Title insurance rates are state-regulated: $5.75 per $1,000 for the first $100K, then $5.00 per $1,000 up to $1M.

Florida sellers pay an average of 3.28% of sale price (excluding commissions) in closing costs — or 7–8% including agent commissions. The average total commission is 5.59% on average (typically split 2.81% for the listing agent and 2.78% for the buyer's agent). Since August 2024, sellers no longer must pay buyer agent commission — it's negotiable. Documentary stamps are $0.70 per $100 of sale price ($0.60 per $100 in Miami-Dade County, plus a $0.45 surtax for non-single-family properties). Title insurance rates are state-regulated: $5.75 per $1,000 for the first $100K, then $5.00 per $1,000 up to $1M.