Highlands County, Florida Closing Costs
On the $177,900 median Highlands County home, the county-specific closing items come to about $2,235: transfer tax $1,245, title insurance $990. Lender fees, appraisal and prepaids are added by the loan, not the county.
County-specific closing costs by purchase price
| Purchase price | Transfer tax | Title insurance (both policies) | Total |
|---|---|---|---|
| $150,000 | $1,050 | $850 | $1,900 |
| $200,000 | $1,400 | $1,100 | $2,500 |
| $250,000 | $1,750 | $1,350 | $3,100 |
| $300,000 | $2,100 | $1,600 | $3,700 |
| $350,000 | $2,450 | $1,850 | $4,300 |
| $400,000 | $2,800 | $2,100 | $4,900 |
| $450,000 | $3,150 | $2,350 | $5,500 |
| $500,000 | $3,500 | $2,600 | $6,100 |
| $600,000 | $4,200 | $3,100 | $7,300 |
| $700,000 | $4,900 | $3,600 | $8,500 |
| $800,000 | $5,600 | $4,100 | $9,700 |
| $1,000,000 | $7,000 | $5,100 | $12,100 |
Frequently asked questions
How much are closing costs in Highlands County?
On the $177,900 median home, the county-specific items come to about $2,235: transfer tax $1,245, title insurance $965 for the owner's policy and $25 for the lender's. Lender fees, an appraisal, prepaid taxes and insurance come on top and depend on the loan.
Who pays these in Highlands County?
The seller customarily pays the Florida transfer tax. Who pays the owner's title policy is negotiable; the buyer pays the lender's policy and the mortgage recording fee.
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- Fla. Stat. Sec. 201.02 ('on each $100 of the consideration therefor the tax shall be 70 cents')
- Fla. Admin. Code R. 69O-186.003, Title Insurance Rates (Office of Insurance Regulation, promulgated under Fla. Stat. 627.782), rule text effective 01/27/2002, current version
Figures are computed from the documents above and rounded to the dollar. All sources.
All Florida buyer closing costs → Highlands County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Highlands County overview