Local costs · Florida
What a home costs across Florida
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Florida, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $2,677 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Florida documentary stamp tax: 0.70% of price — seller customarily paysMiami-Dade single-family rate is $0.60 per $100 (0.6%); its 0.45% surtax applies only to non-single-family property.On the $396,900 state median home, the buyer’s customary share is about $0; the seller customarily covers about $2,778.
- Title insurance
- Florida uses state-set (promulgated) rates. Owner's-policy premiums are set by the state regulator, so we run the exact promulgated schedule.
- State income tax
- Florida levies no state income tax. These are modeled effective rates from Tax Foundation 2026 brackets.
All 67 counties in Florida
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Alachua County | 0.96% | $1,440–$3,220typical $2,220 |
| Baker County | 0.64% | $1,310–$2,910typical $2,010 |
| Bay County | 0.58% | $2,920–$6,510typical $4,490 |
| Bradford County | 0.55% | $1,860–$4,150typical $2,860 |
| Brevard County | 0.68% | $2,480–$5,540typical $3,820 |
| Broward County | 0.94% | $1,540–$3,440typical $2,370 |
| Calhoun County | 0.51% | $2,200–$4,900typical $3,380 |
| Charlotte County | 0.85% | $2,700–$6,030typical $4,160 |
| Citrus County | 0.58% | $2,970–$6,630typical $4,570 |
| Clay County | 0.72% | $1,310–$2,910typical $2,010 |
| Collier County | 0.63% | $2,440–$5,450typical $3,760 |
| Columbia County | 0.74% | $1,310–$2,910typical $2,010 |
| DeSoto County | 0.83% | $2,630–$5,860typical $4,040 |
| Dixie County | 0.62% | $2,280–$5,080typical $3,500 |
| Duval County | 0.75% | $1,310–$2,910typical $2,010 |
| Escambia County | 0.58% | $2,300–$5,130typical $3,540 |
| Flagler County | 0.76% | $1,640–$3,670typical $2,530 |
| Franklin County | 0.63% | $2,350–$5,230typical $3,610 |
| Gadsden County | 0.53% | $1,480–$3,290typical $2,270 |
| Gilchrist County | 0.65% | $1,480–$3,290typical $2,270 |
| Glades County | 0.85% | $1,810–$4,030typical $2,780 |
| Gulf County | 0.63% | $3,240–$7,220typical $4,980 |
| Hamilton County | 0.73% | $2,000–$4,450typical $3,070 |
| Hardee County | 0.82% | $3,020–$6,730typical $4,640 |
| Hendry County | 0.80% | $1,720–$3,840typical $2,650 |
| Hernando County | 0.67% | $1,550–$3,450typical $2,380 |
| Highlands County | 0.72% | $1,930–$4,310typical $2,970 |
| Hillsborough County | 0.81% | $1,490–$3,320typical $2,290 |
| Holmes County | 0.54% | $2,680–$5,990typical $4,130 |
| Indian River County | 0.69% | $3,240–$7,240typical $4,990 |
| Jackson County | 0.50% | $1,960–$4,380typical $3,020 |
| Jefferson County | 0.62% | $1,640–$3,670typical $2,530 |
| Lafayette County | 0.55% | $2,080–$4,640typical $3,200 |
| Lake County | 0.76% | $1,310–$2,910typical $2,010 |
| Lee County | 0.79% | $2,340–$5,220typical $3,600 |
| Leon County | 0.79% | $1,550–$3,450typical $2,380 |
| Levy County | 0.63% | $1,620–$3,610typical $2,490 |
| Liberty County | 0.91% | $2,350–$5,230typical $3,610 |
| Madison County | 0.83% | $2,160–$4,830typical $3,330 |
| Manatee County | 0.78% | $2,280–$5,090typical $3,510 |
| Marion County | 0.74% | $1,580–$3,520typical $2,430 |
| Martin County | 0.77% | $2,660–$5,930typical $4,090 |
| Miami-Dade County | 0.81% | $1,500–$3,350typical $2,310 |
| Monroe County | 0.53% | $2,870–$6,410typical $4,420 |
| Nassau County | 0.70% | $1,310–$2,910typical $2,010 |
| Okaloosa County | 0.57% | $2,370–$5,290typical $3,650 |
| Okeechobee County | 0.74% | $1,750–$3,900typical $2,690 |
| Orange County | 0.76% | $1,310–$2,910typical $2,010 |
| Osceola County | 0.76% | $1,520–$3,390typical $2,340 |
| Palm Beach County | 0.86% | $1,630–$3,630typical $2,500 |
| Pasco County | 0.73% | $1,490–$3,320typical $2,290 |
| Pinellas County | 0.70% | $1,370–$3,050typical $2,100 |
| Polk County | 0.73% | $1,660–$3,710typical $2,560 |
| Putnam County | 0.78% | $1,550–$3,470typical $2,390 |
| Santa Rosa County | 0.57% | $2,330–$5,210typical $3,590 |
| Sarasota County | 0.75% | $2,270–$5,060typical $3,490 |
| Seminole County | 0.67% | $1,310–$2,910typical $2,010 |
| St. Johns County | 0.76% | $1,310–$2,910typical $2,010 |
| St. Lucie County | 0.93% | $2,700–$6,020typical $4,150 |
| Sumter County | 0.78% | $1,540–$3,440typical $2,370 |
| Suwannee County | 0.71% | $2,020–$4,500typical $3,100 |
| Taylor County | 0.65% | $2,360–$5,260typical $3,630 |
| Union County | 0.58% | $1,850–$4,120typical $2,840 |
| Volusia County | 0.77% | $1,630–$3,640typical $2,510 |
| Wakulla County | 0.64% | $1,760–$3,920typical $2,700 |
| Walton County | 0.45% | $2,410–$5,380typical $3,710 |
| Washington County | 0.46% | $2,650–$5,920typical $4,080 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.