Orange County, Florida Closing Costs
On the $370,000 median Orange County home, the county-specific closing items come to about $4,696: transfer tax $2,590, title insurance $1,950, 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 | $1,050 | $850 | $156 | $2,056 |
| $200,000 | $1,400 | $1,100 | $156 | $2,656 |
| $250,000 | $1,750 | $1,350 | $156 | $3,256 |
| $300,000 | $2,100 | $1,600 | $156 | $3,856 |
| $350,000 | $2,450 | $1,850 | $156 | $4,456 |
| $400,000 | $2,800 | $2,100 | $156 | $5,056 |
| $450,000 | $3,150 | $2,350 | $156 | $5,656 |
| $500,000 | $3,500 | $2,600 | $156 | $6,256 |
| $600,000 | $4,200 | $3,100 | $156 | $7,456 |
| $700,000 | $4,900 | $3,600 | $156 | $8,656 |
| $800,000 | $5,600 | $4,100 | $156 | $9,856 |
| $1,000,000 | $7,000 | $5,100 | $156 | $12,256 |
Frequently asked questions
How much are closing costs in Orange County?
On the $370,000 median home, the county-specific items come to about $4,696: transfer tax $2,590, title insurance $1,925 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 Orange 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
- Orlando Regional REALTOR Association (ORRA) - State of the Market, January 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
- Orange County Comptroller, Official Records fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All Florida buyer closing costs → Orange County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Orange County overview