Closing Costs for Florida (2026)
Florida (FL) Key Facts
Average Closing Cost Rate
3.2%
Estimated Closing Costs ( Median Home)
$12,480
Attorney Required at Closing
No
Median Home Price
$390,000
Transfer Tax
Varies by locality
How This Calculator Works in Florida
This closing costs calculator estimates the total amount you will need at closing when buying a home in Florida. It uses the state's average closing cost rate of 3.2% as a baseline and lets you adjust for your specific purchase price and situation. Understanding these costs in advance helps you budget effectively and avoid surprises at the closing table.
Florida Overview
Closing costs in Florida average about 3.2% of the home's purchase price—roughly $12,480 on the median home of $390,000. Florida does not require an attorney at closing, though hiring one may still be wise for complex deals. Transfer taxes in Florida are: Documentary stamp tax $0.70 per $100, intangible tax on mortgages ($0.35 per $100 of new mortgage).
How Florida Compares
Florida's average closing cost rate of 3.2% is in the middle range nationally. Neighboring Georgia averages 3%, while Alabama averages 2.8%. States with attorney requirements and higher transfer taxes tend to have elevated closing costs overall.
| State | Top Rate | Notes |
|---|---|---|
| Georgia | 3% | Average closing costs are 3% of the home price, approximately $9,600 on the median home. Attorney required at closing. |
| Alabama | 2.8% | Average closing costs are 2.8% of the home price, approximately $6,440 on the median home. Attorney required at closing. |
| South Carolina | 2.8% | Average closing costs are 2.8% of the home price, approximately $8,120 on the median home. Attorney required at closing. |
Closing costs in Florida average 3.2% of the home price, or about $12,480 on the median-priced home of $390,000. The national average for closing costs is typically 2-5% of the purchase price. Florida falls in the mid-range nationally.
Tips for Florida Residents
- 1Budget approximately 3.2% of the purchase price for closing costs in Florida, which comes to about $12,480 on the median home of $390,000. This is in addition to your down payment and moving expenses.
- 2Florida does not require an attorney at closing, though hiring one may still be wise for complex deals. Consider retaining an attorney for transactions involving liens, estate sales, or unusual contract terms in Florida.
- 3Transfer taxes in Florida: Documentary stamp tax $0.70 per $100, intangible tax on mortgages ($0.35 per $100 of new mortgage). Make sure you know who is customarily responsible (buyer or seller) in your county, as local practice varies.
- 4Shop at least three lenders for your Loan Estimate in Florida. Origination fees, discount points, and third-party charges can differ by $1,000 or more between lenders on the same loan amount.
- 5Ask about first-time homebuyer programs in Florida that may offer closing cost assistance, grants, or below-market interest rates. Many state and county housing finance agencies provide such programs. Since Florida has no state income tax, buyers often have more take-home pay to allocate toward closing costs.
Frequently Asked Questions
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