Flat-fee MLS in Florida

What it actually costs to sell a house in Florida without paying a listing commission, using Florida’s real transfer tax and title customs rather than a national average.

Documentary stamp tax

0.70%

$3,150 on $450,000

Seller pays title?

Usually

About $2,588 on $450,000

Listing commission saved

$10,800

vs. a 2.5% listing fee, after a $450 package

What you save, and what you take on

On a $450,000 sale in Florida, a 2.5% listing commission is $11,250. A flat-fee Multiple Listing Service (MLS) package typically runs a few hundred dollars. That difference, $10,800, is the entire financial case for selling this way.

In exchange you inherit the listing agent’s job. Pricing it right, getting decent photographs, writing the thing, answering the phone, standing in the kitchen every Saturday, and then negotiating a contract with someone who may do this for a living.

Whether that is a good trade depends on what your time is worth and whether haggling over a six-figure number sounds tolerable or awful. Both answers are legitimate.

What Florida charges no matter who sells the house

Florida charges $0.70 per $100 of sale price statewide, which the seller customarily pays. Miami-Dade is the exception at $0.60 per $100 for single-family homes, plus a $0.45 per $100 surtax on other property types.

Who pays the owner's policy is set by county custom in Florida rather than statewide rule. Seller pays in most of the state; buyer pays in Broward, Sarasota, Miami-Dade and a few others.

Where in Florida matters

Local transfer taxes can dwarf the state rate. These are the ones worth knowing about before you price the house:

Miami-Dade County: about 0.60% for the seller. Miami-Dade charges $0.60 per $100 on single-family homes. Other property types add a $0.45 per $100 surtax that this figure does not include.

Flat-fee MLS services in Florida

We are still checking these ourselves

We have not published provider recommendations for Florida yet. Rather than repeat a list of names and stale prices scraped from other sites, we are verifying coverage and current pricing directly before we put anything here. Tell us if you want Florida prioritised and we will move it up.

Run your own numbers

The figures above use a $450,000 example. Put in your own sale price, mortgage balance and commission assumptions to see what Florida leaves you with.

Open the calculator

Common questions

Does Florida require a real estate agent to sell a house?

No. No state requires you to hire a listing agent. Florida does not require an attorney at closing either, though you can hire one if you want the contract reviewed.

What transfer tax will I pay in Florida?

Documentary stamp tax runs about 0.70% of the sale price, which is roughly $3,150 on a $450,000 sale. Florida charges $0.70 per $100 of sale price statewide, which the seller customarily pays. Miami-Dade is the exception at $0.60 per $100 for single-family homes, plus a $0.45 per $100 surtax on other property types.

Will my house still show up on Zillow?

Yes, if you use a flat-fee Multiple Listing Service (MLS) package. Zillow, Redfin and Realtor.com pull from MLS feeds, so a flat-fee listing puts you in the same places a full-service listing appears. A pure For Sale By Owner (FSBO) sale with no MLS listing does not get that distribution.

Do I still have to offer the buyer’s agent a commission?

No. Since the National Association of Realtors (NAR) settlement, buyer-agent compensation is negotiated separately and is no longer advertised on the MLS. Many sellers still offer something to stay competitive with comparable listings, but it is now your decision rather than a default.

Where these numbers come from

Figures on this page are estimates for planning, not quotes. Transfer taxes and title customs vary by county and city and change over time. Nothing here is legal, tax, or financial advice. Confirm your numbers with a licensed professional in Florida before acting on them.