Pinellas County closing costs
The county-specific transfer tax and deed recording fees for Pinellas 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
- $7,587
- median of 9,480 purchase loans · HMDA 2023
Pinellas County compared with Florida counties
In the verified Florida county records we have, Pinellas 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
- 9,480
- purchase loans in 2023
Pinellas County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Pinellas County
Pinellas levies NO separate county transfer tax — Florida's documentary stamp tax on deeds ($0.70 per $100 = 0.007) is a STATE tax; the only county-level surtax in Florida is Miami-Dade's (does not apply here). No city in Pinellas (St. Petersburg, Clearwater, Largo) imposes its own transfer tax. By custom, the SELLER pays the deed documentary stamp tax, while the buyer typically pays for title insurance and recording of the mortgage; recording fees are uniform statewide per F.S. 28.24.
Recording fees in Pinellas County
Deed recording: $10.00 first page, $8.50 each additional page; $1.00 per name when more than four names are indexed. Recording fees are uniform statewide under Florida Statute 28.24. Separately, Florida state documentary stamp tax of $0.70 per $100 of consideration applies to the deed.
Official recorder: Pinellas County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Pinellas County
Across 9,480 home-purchase mortgages originated in Pinellas County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $7,587, of which about $3,534 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 12103, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Pinellas 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 Pinellas County?
Pinellas County (Florida): the applicable real-estate transfer tax works out to about 0.7%. Pinellas levies NO separate county transfer tax — Florida's documentary stamp tax on deeds ($0.70 per $100 = 0.007) is a STATE tax; the only county-level surtax in Florida is Miami-Dade's (does not apply here). No city in Pinellas (St. Petersburg, Clearwater, Largo) imposes its own transfer tax. By custom, the SELLER pays the deed documentary stamp tax, while the buyer typically pays for title insurance and recording of the mortgage; recording fees are uniform statewide per F.S. 28.24.
What are recording fees in Pinellas County?
Deed recording: $10.00 first page, $8.50 each additional page; $1.00 per name when more than four names are indexed. Recording fees are uniform statewide under Florida Statute 28.24. Separately, Florida state documentary stamp tax of $0.70 per $100 of consideration applies to the deed.
How much are closing costs in Pinellas County?
Closing costs in Pinellas 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 Pinellas County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 9,480 home-purchase mortgages in Pinellas County were about $7,587, of which roughly $3,534 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.