Escambia County closing costs
The county-specific transfer tax and deed recording fees for Escambia County, Florida - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.7%
- ≈ $2,800 on a $400,000 home
- Typical lender + 3rd-party fees
- $6,933
- median of 4,086 purchase loans · HMDA 2023
Escambia County compared with Florida counties
In the verified Florida county records we have, Escambia County's effective transfer-tax rate ranks #1 of 18 by highest rate. At $400,000, the county-specific transfer tax is $2,800, which is the same as the state-level calculation before city surtaxes.
- County rank
- #1 of 18
- within verified Florida county pages
- Tax at $400,000
- $2,800
- state baseline $2,800
- HMDA fee sample
- 4,086
- purchase loans in 2023
Escambia County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Escambia County
FL has NO county or municipal real estate transfer tax — the only transfer levy is the STATE documentary stamp tax on deeds at $0.70 per $100 of consideration (0.0070), so county_transfer_tax_rate and city_transfer_tax_rate are null. (Note: Miami-Dade is the lone FL exception with a county surtax, which does NOT apply to Escambia.) Who pays: by Florida custom the SELLER customarily pays the deed documentary stamp tax (negotiable). The recording fees above are paid to the Escambia County Clerk of the Circuit Court (Pam Childers) and are typically paid by the buyer. Mortgage documentary stamps ($0.35/$100) and intangible tax ($0.002/$1) on financed purchases are paid by the buyer/borrower. The county seat and major city is Pensacola, which levies no separate transfer tax.
Recording fees in Escambia County
Deed recording: $10.00 first page, $8.50 each additional page; indexing surcharge $1.00 per name when an instrument contains more than four names. Florida documentary stamp tax on the deed is separate and STATE-level: $0.70 per $100 of consideration = 0.0070.
Official recorder: Escambia County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Escambia County
Across 4,086 home-purchase mortgages originated in Escambia County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $6,933, of which about $2,765 was the lender’s own origination charges. That is reported loan-level data from every lender under the Home Mortgage Disclosure Act — not a national average — so it reflects what buyers in this county actually paid. Lender fees vary widely, so comparing a few rate quotes is the single biggest lever on your closing total.
Source: FFIEC HMDA Data Browser ↗ (2023 purchase originations, FIPS 12033, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Escambia County closing costs
Pre-set to Florida. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Escambia County?
Escambia County (Florida): the applicable real-estate transfer tax works out to about 0.7%. FL has NO county or municipal real estate transfer tax — the only transfer levy is the STATE documentary stamp tax on deeds at $0.70 per $100 of consideration (0.0070), so county_transfer_tax_rate and city_transfer_tax_rate are null. (Note: Miami-Dade is the lone FL exception with a county surtax, which does NOT apply to Escambia.) Who pays: by Florida custom the SELLER customarily pays the deed documentary stamp tax (negotiable). The recording fees above are paid to the Escambia County Clerk of the Circuit Court (Pam Childers) and are typically paid by the buyer. Mortgage documentary stamps ($0.35/$100) and intangible tax ($0.002/$1) on financed purchases are paid by the buyer/borrower. The county seat and major city is Pensacola, which levies no separate transfer tax.
What are recording fees in Escambia County?
Deed recording: $10.00 first page, $8.50 each additional page; indexing surcharge $1.00 per name when an instrument contains more than four names. Florida documentary stamp tax on the deed is separate and STATE-level: $0.70 per $100 of consideration = 0.0070.
How much are closing costs in Escambia County?
Closing costs in Escambia County follow Florida's structure plus this county's specific transfer-tax and recording fees. Use the calculator below for an estimate; for the exact recording schedule, the county recorder is the authoritative source.
What do lenders charge in fees in Escambia County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 4,086 home-purchase mortgages in Escambia County were about $6,933, of which roughly $2,765 was the lender's own origination charges. This is reported loan-level data under the Home Mortgage Disclosure Act; actual fees vary by lender, so comparing quotes matters.
Closest Florida county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.