Miami-Dade County, Florida Closing Costs
On the $680,000 median Miami-Dade County home, the county-specific closing items come to about $7,736: transfer tax $4,080, title insurance $3,500, recording fees $156. 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) | Recording fees | Total |
|---|---|---|---|---|
| $150,000 | $900 | $850 | $156 | $1,906 |
| $200,000 | $1,200 | $1,100 | $156 | $2,456 |
| $250,000 | $1,500 | $1,350 | $156 | $3,006 |
| $300,000 | $1,800 | $1,600 | $156 | $3,556 |
| $350,000 | $2,100 | $1,850 | $156 | $4,106 |
| $400,000 | $2,400 | $2,100 | $156 | $4,656 |
| $450,000 | $2,700 | $2,350 | $156 | $5,206 |
| $500,000 | $3,000 | $2,600 | $156 | $5,756 |
| $600,000 | $3,600 | $3,100 | $156 | $6,856 |
| $700,000 | $4,200 | $3,600 | $156 | $7,956 |
| $800,000 | $4,800 | $4,100 | $156 | $9,056 |
| $1,000,000 | $6,000 | $5,100 | $156 | $11,256 |
Frequently asked questions
How much are closing costs in Miami-Dade County?
On the $680,000 median home, the county-specific items come to about $7,736: transfer tax $4,080 including Miami-Dade County, title insurance $3,475 for the owner's policy and $25 for the lender's, and about $156 to record the deed and mortgage. Lender fees, an appraisal, prepaid taxes and insurance come on top and depend on the loan.
Who pays these in Miami-Dade 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
- MIAMI REALTORS - Miami-Dade single-family home median sale price, May 2026
- 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
- Miami-Dade County Clerk of the Courts, Official Records fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All Florida buyer closing costs → Miami-Dade County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Miami-Dade County overview