Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
The big line items
1. Documentary stamp tax on the deed
Florida taxes the deed at $0.70 per $100 of the sale price (Miami-Dade has its own rate). In Pinellas, the seller customarily pays it. On a $400,000 sale, that's $2,800.
2. Owner's title insurance policy
Florida's Office of Insurance Regulation sets title premiums by rule, so the premium is the same at every title company. In Pinellas and Hillsborough the seller customarily pays for the owner's policy, but the contract can say otherwise. See how Florida title insurance works.
3. Brokerage commission
Commissions are fully negotiable, and since 2024 buyer-agent compensation is negotiated separately and in writing. Ask any agent to explain their fee and what's included.
4. Prorations, payoffs and HOA items
Florida property taxes are paid in arrears, so sellers usually credit the buyer for the part of the year they owned the home. HOA estoppel letters, any open permits and your mortgage payoff come out of your proceeds.
Worked examples across Pinellas
| Place | Median value | Deed stamps | Owner's title (est.) |
|---|---|---|---|
| St. Petersburg | $371,100 | $2,598 | $1,930 |
| Clearwater | $361,300 | $2,529 | $1,882 |
| Largo | $229,100 | $1,604 | $1,220 |
| Palm Harbor | $405,300 | $2,837 | $2,102 |
| Pinellas Park | $278,900 | $1,952 | $1,470 |
| Dunedin | $396,000 | $2,772 | $2,055 |
| East Lake | $488,000 | $3,416 | $2,515 |
| Tarpon Springs | $340,700 | $2,385 | $1,778 |
| Lealman | $196,400 | $1,375 | $1,057 |
| Seminole | $348,500 | $2,440 | $1,818 |
| Safety Harbor | $454,000 | $3,178 | $2,345 |
| West Lealman | $169,100 | $1,184 | $920 |
Median values: U.S. Census Bureau, American Community Survey 5-year estimates. Title estimates use Florida's promulgated owner's-policy schedule and are illustrations, not quotes.
How to lower your net cost
- Get a pre-listing 4-point inspection so insurance issues don't trigger a price cut later.
- Compare title companies on settlement fees. The premium is fixed, but fees aren't.
- Interview at least two listing agents and compare their marketing plans, not just their fees.
Frequently asked questions
Who pays doc stamps in Florida?
By custom the seller pays deed doc stamps in most Florida counties, including Pinellas, but the contract controls.
Are Florida title insurance rates negotiable?
The premium is set by the state. Settlement and ancillary fees can differ between companies.
Get local help
Related guides
This guide is general information, not legal, tax, insurance or financial advice. Rules and rates change, so confirm details with a licensed professional.