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Breaking Down the Cost to Sell a House in Florida

Selling a house in Florida is a significant financial transaction that involves more than just picking a listing price. In “Breaking Down the Cost to Sell a House in Florida,” we aim to unpack the various fees, taxes, and unforeseen expenditures that factor into the cost to sell a house here. Florida’s vibrant real estate market attracts many sellers, but understanding the cost to sell a house in this state is crucial for anyone looking to make the most out of their property sale. From real estate agent commissions to the final closing costs, we provide a detailed guide to help you minimize your expenses and maximize your proceeds.

Steve Daria and Joleigh have become prominent figures in the Florida real estate market, known for their keen eye for valuable properties and reputation as reliable house buyers for cash. They frequently shed light on the cost to sell a house in the state, from closing fees to agent commissions. Their insights offer invaluable guidance to homeowners looking to sell without the traditional market hassles, emphasizing transparency and fairness in each transaction.

Understanding the Real Estate Market in Florida

Understanding the Florida real estate market is crucial before considering the cost to sell a house.

The Sunshine State has long been a coveted location for homeowners and investors, with its diverse property types, from beachfront condos to spacious suburban homes.

The market is known for its resilience in the face of economic fluctuations, and properties here often enjoy strong appreciation over time.

the cost to sell a house

Average Home Values and Market Trends

The median home value in Orlando, an inland city, is around $265,000 and has consistently increased over the past several years. Meanwhile, in Miami, where the luxury market is highly influential, the median price is approximately $365,000.

In residential areas like Tampa, the average home value of $160,000 and up offers a more affordable option for buyers. Recognizing these averages gives you a starting point for understanding the possible value of your property.

Seasonal Fluctuations

Florida real estate is seasonal, with winter months showing increased activity from snowbird visitors and summer months seeing a slowdown.

This means that listing can impact both the final sale price and the length of your house’s stay on the market.

What Are the Costs Involved in Selling a House in Florida?

A number of costs are associated with selling a house, which can be substantial. Here’s an overall breakdown of the cost to sell a house:

Real Estate Agent Commissions

This is typically the most significant cost, ranging from 5% to 6% of the total price. Realtor commissions are usually split between the buyers and selling agents.

Preparation and Repair

First impressions matter. Cleaning, decluttering, staging, and necessary repairs are costs associated with preparing your home for sale.

These can range widely and significantly impact the perceived value of your home.

Home Inspection and Appraisal Fees

A home inspection is critical for identifying issues that could affect a sale. In Florida, inspections usually cost between $300 to $500. An appraisal, which determines the market value of your home, can cost about the same.

Closing Costs

Closing costs are numerous and will include title insurance, pest inspections, credit report investigations, recording fees, and state documentary taxes.

For a typical sale, these can add up to 1-3% of the sales price.

Home Warranties

Offering a home warranty can be a plus for your property, but it is an additional expense ranging from $300 to $600. It usually covers the home’s major systems and appliances for the first year.

Marketing and Photography

Quality marketing and professional photography are crucial for attracting buyers, but they come at a price. These costs could range from a few hundred to a few thousand dollars.

Staging and Open House Expenses

Staging your home and hosting open houses can help it sell faster, but they can also be pricey services, from $500 to $5,000 or even more, depending on the size of the property and the services required.

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Tax Implications

The taxman comes even on the happy occasion of a home sale. Understanding tax implications can help you consider your bottom line.

Capital Gains Tax

In Florida, you’ll need to consider federal capital gains tax if the profit from your home sale exceeds certain limits. If you’ve lived in the home for at least two of the previous five years, this jump in value could be taxed at a favorable rate.

State Taxes

Florida does not impose additional state taxes on real estate transactions, making it often more affordable to sell property than other states with specific real estate taxes.

Local Taxes

Local property taxes you continue to owe until the close of the sale will be adjusted and prorated, with the buyer credited for the taxes from the closing date. This could be a higher one-time payment, depending on the time of year.

Negotiating Costs with Buyers

Sometimes, buyers will request that the seller cover certain costs, such as closing costs or repairs.

Being open to negotiation can help alleviate some financial burden and cut into your final take from the sale.

the cost to sell house

Buyer Incentives

In a seller’s market, it’s common for buyers to ask for concessions. These include paying for a portion of the closing costs, offering credit for repairs, or including personal property in the sale.


When receiving an offer, you can either accept it, decline it, or counter it. Each step involves a potential cost, especially if the first offer is far below the listing price.

How to Minimize Selling Costs

While selling a house is never entirely cost-free, there are effective ways to minimize the financial impact. Being strategic in your approach can save you thousands.

DIY Repairs

If you’re handy, you can complete many minor repairs at a much lower cost than hiring a professional, reducing the overall preparation fees.

Limited Home Warranty Offerings

Rather than paying for an entire year, consider offering a limited home warranty for a few months, which could lower the associated expense.

Shop Around for Services

Understand that you don’t have to go with the first company or service you find. Get multiple quotes for everything from photography to title services to home warranty providers.

Optimize Timing

Sell during peak season to reduce time on the market, which can lead to lower staging and mortgage payments before the new home is purchased.

Addressing Inspections Upfront

Consider getting a pre-listing inspection to avoid any last-minute surprises and negotiate repairs before listing the property.

The Florida Selling Process

Listing and selling a home in Florida is similar to other states, but certain aspects are unique. 

Listing With a Realtor

Choosing the perfect real estate agent can significantly affect the speed and success of your sale. Look for experience, local market knowledge, and a strong sales record.

Home Appraisal and Inspection

Preparation for these steps can impact the time and cost of selling your home. Be proactive in identifying issues and pricing your property accurately.

Negotiating Offers

Stay realistic and flexible when receiving and negotiating offers. Setting aside emotions and focusing on the financials can help you reach a successful agreement with the buyer.


Closing in Florida is the final step in the ownership process. Plan for a day of signing documents and exchanging keys—which is also when costs become crystal clear.

The Pros and Cons of FSBO

FSBO, or “For Sale By Owner,” can significantly reduce the cost to sell a house. However, it also comes with risks and responsibilities.

Pros of FSBO

You can avoid commission fees, have more control over the process, and sell at a lower price due to reduced overhead.

Cons of FSBO

You must handle all aspects of the sale, from marketing to legal paperwork, which requires significant time and effort. Additionally, it may be more challenging to reach potential buyers without a real estate agent’s network.

Marketing Your Home

In a competitive market, marketing is everything. It’s not just about listing your home; it’s about making it stand out.

Online Listings

Today’s buyers primarily search online. Invest in a solid online listing with professional photos, detailed descriptions, and virtual tours.

Print Advertising

Consider local print ads in real estate magazines or newspapers, which can still be effective for reaching a specific demographic of homebuyers.

Open Houses

Hosting open houses can create a buzz and allow multiple buyers to see your home simultaneously. However, managing these events well is essential to attract serious offers.


Assessing and managing the cost to sell a house can be intimidating. It’s essential to be aware of what’s ahead and prepare accordingly. By understanding the financials and strategic decisions, you can make informed choices for a successful sale.

If you need more clarification on selling or want to explore your options further, consult a local real estate professional who can offer personalized advice based on your circumstances, especially in further understanding the cost to sell a house. Remember, the more you know, the better you can protect your profit and make the most of your real estate ventures in the Sunshine State.

**NOTICE:  Please note that the content presented in this post is intended solely for informational and educational purposes. It should not be construed as legal or financial advice or relied upon as a replacement for consultation with a qualified attorney or CPA. For specific guidance on legal or financial matters, readers are encouraged to seek professional assistance from an attorney, CPA, or other appropriate professional regarding the subject matter.

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