Taxes when buying a house in Florida

A Florida buyer who takes out a mortgage pays two taxes on it: documentary stamp tax of $0.35 per $100 of the loan and an intangible tax of 0.2% of the loan. A cash buyer pays neither. The stamp tax on the deed itself is usually the seller's.

Purchase price

State

Down payment

Loan amount: $320,000. Some states tax the mortgage, so the loan size changes the result there. Paying cash? Enter 100.

Estimated taxes when you buyFlorida · Rates verified November 2026

Pay to the order ofState and county tax offices$1,760

One thousand seven hundred sixty and 00/100 dollars

On a $400,000 purchase with a $320,000 loan

Taxes the buyer pays
Documentary stamp tax on the note$0.35 per $100 of the loan	$1,120
Intangible tax on the mortgage0.2% of the loan	$640
Total buyer taxes	$1,760

Taxes only. Lender fees, title insurance, flat recording fees and prepaid property tax are separate closing costs.

What a Florida home buyer is taxed on

Buyer's taxes: Documentary stamp tax on the note: $0.35 per $100 of the loan, charged on the loan amount.
Intangible tax on the mortgage: 0.2% of the loan, charged on the loan amount.
Transfer tax: The seller, by custom. Legally every party to the deed is liable, so the contract decides.
Sales tax: None. A home is real estate, and sales tax does not apply to it.
Official source: Florida Department of Revenue, documentary stamp tax overview
Last verified: November 2026

Florida buyer taxes at common prices

Purchase price	Loan with 20% down	Buyer's taxes
$150,000	$120,000	$660
$250,000	$200,000	$1,100
$400,000	$320,000	$1,760
$600,000	$480,000	$2,640
$1,000,000	$800,000	$4,400

Questions Florida buyers ask

Do buyers pay transfer tax in Florida?

The seller, by custom. Legally every party to the deed is liable, so the contract decides.

Is there a mortgage tax in Florida?

Yes, two. Florida charges documentary stamp tax of $0.35 per $100 on the note and a one-time intangible tax of 0.2% on the mortgage, about 0.55% of the loan together.

Is there sales tax when you buy a house in Florida?

No. Sales tax applies to goods and some services, and a house is real estate, which no state taxes that way. The one-time taxes a Florida buyer does pay are listed on this page.

How much tax does a buyer pay at closing in Florida?

On a $400,000 home bought with 20% down, a Florida buyer pays about $1,760 in state and local taxes: $1,120 in documentary stamp tax on the note and $640 in intangible tax on the mortgage. Lender fees, title insurance and prepaid property tax come on top.

Selling in Florida? Use the Florida transfer tax calculator.