Hillsborough County closing costs
The county-specific transfer tax and deed recording fees for Hillsborough 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
- $8,897
- median of 16,132 purchase loans · HMDA 2023
Hillsborough County compared with Florida counties
In the verified Florida county records we have, Hillsborough 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
- 16,132
- purchase loans in 2023
Hillsborough County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Hillsborough County
There is NO Hillsborough County-level transfer tax. Florida's real-estate transfer tax is the state documentary stamp tax on the deed at $0.70 per $100 (0.007), collected by the Clerk at recording. The additional $0.45/$100 documentary surtax applies ONLY in Miami-Dade County, not Hillsborough. By Florida custom (including the Tampa area) the seller customarily pays the deed documentary stamp tax, though it is negotiable. Tampa, the major city, levies no separate municipal transfer/realty tax.
Recording fees in Hillsborough County
Hillsborough County Clerk of Court deed recording fee: $10.00 for the first page and $8.50 for each additional page. Indexing is free for the first four names; $1.00 per name for each additional name. Documentary stamp tax (state) is collected separately at recording: $0.70 per $100 of consideration (statewide rate excluding Miami-Dade).
Official recorder: Hillsborough County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Hillsborough County
Across 16,132 home-purchase mortgages originated in Hillsborough County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $8,897, of which about $3,895 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 12057, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Hillsborough 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 Hillsborough County?
Hillsborough County (Florida): the applicable real-estate transfer tax works out to about 0.7%. There is NO Hillsborough County-level transfer tax. Florida's real-estate transfer tax is the state documentary stamp tax on the deed at $0.70 per $100 (0.007), collected by the Clerk at recording. The additional $0.45/$100 documentary surtax applies ONLY in Miami-Dade County, not Hillsborough. By Florida custom (including the Tampa area) the seller customarily pays the deed documentary stamp tax, though it is negotiable. Tampa, the major city, levies no separate municipal transfer/realty tax.
What are recording fees in Hillsborough County?
Hillsborough County Clerk of Court deed recording fee: $10.00 for the first page and $8.50 for each additional page. Indexing is free for the first four names; $1.00 per name for each additional name. Documentary stamp tax (state) is collected separately at recording: $0.70 per $100 of consideration (statewide rate excluding Miami-Dade).
How much are closing costs in Hillsborough County?
Closing costs in Hillsborough 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 Hillsborough County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 16,132 home-purchase mortgages in Hillsborough County were about $8,897, of which roughly $3,895 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.