Miami-Dade County closing costs
The county-specific transfer tax and deed recording fees for Miami-Dade County, Florida - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.6%
- ≈ $2,400 on a $400,000 home
- Typical lender + 3rd-party fees
- $12,696
- median of 15,880 purchase loans · HMDA 2023
Miami-Dade County compared with Florida counties
In the verified Florida county records we have, Miami-Dade County's effective transfer-tax rate ranks #18 of 18 by highest rate. At $400,000, the county-specific transfer tax is $2,400, which is $400 below the state-level calculation before city surtaxes.
- County rank
- #18 of 18
- within verified Florida county pages
- Tax at $400,000
- $2,400
- state baseline $2,800
- HMDA fee sample
- 15,880
- purchase loans in 2023
Miami-Dade County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Miami-Dade County
Miami-Dade is the ONE Florida county with a different deed stamp rate. Single-family homes avoid the surtax.
Recording fees in Miami-Dade County
Documentary stamp tax on deeds is $0.60 per $100 (0.60%) in Miami-Dade, plus a $0.45 per $100 surtax on transfers other than single-family residences. Recording $10 first page, $8.50 each additional.
Official recorder: Miami-Dade County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Miami-Dade County
Across 15,880 home-purchase mortgages originated in Miami-Dade County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $12,696, of which about $5,943 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 12086, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Miami-Dade County closing costs
Pre-set to Florida. County-level taxes above may add to this estimate.
Current source data is loading. Until it finishes, the amount shown is a server-rendered static example and the controls are disabled.
Frequently asked questions
What is the transfer tax in Miami-Dade County?
Miami-Dade County (Florida): the applicable real-estate transfer tax works out to about 0.6%. Miami-Dade is the ONE Florida county with a different deed stamp rate. Single-family homes avoid the surtax.
What are recording fees in Miami-Dade County?
Documentary stamp tax on deeds is $0.60 per $100 (0.60%) in Miami-Dade, plus a $0.45 per $100 surtax on transfers other than single-family residences. Recording $10 first page, $8.50 each additional.
How much are closing costs in Miami-Dade County?
Closing costs in Miami-Dade 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 Miami-Dade County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 15,880 home-purchase mortgages in Miami-Dade County were about $12,696, of which roughly $5,943 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.