Hillsborough County, Florida

What will you net selling a home in Hillsborough County?

Florida closing costs follow statewide rules with a few county customs. Here is how they work in Hillsborough County, with a sample sale you can check line by line.

Calculate my net in Hillsborough County See the worked example

$0.70

Doc stamps per $100 of the price

Paid by the seller by custom
Seller

Customarily pays the owner's title policy

A custom, negotiable in your contract
$211,197

Example net on a $500,000 sale

Sample numbers, see how

Hillsborough County closing costs

The rules that shape your number

What the calculator works out for you on a Hillsborough County sale, and where each figure comes from.

Documentary stamp tax on the deed

Florida charges $0.70 per $100 of the sale price, rounded up to the next $100. By custom the seller pays it, whatever the property type.

On a $500,000 sale: $3,500

Owner's title insurance

In Hillsborough County the seller customarily pays for the owner's title policy. It is a custom, not a law: who pays is negotiable and is settled in your purchase contract.

Premium on $500,000: $2,575 at Florida's promulgated rate
Title search and exam: $350 typical, added when the seller pays the policy

Property tax proration

Florida property taxes are paid in arrears, so the seller credits the buyer for January 1 through the day before closing. The calculator uses last year's bill less the 4% early payment discount.

What to enter: The gross amount on last year's Hillsborough County property tax bill

HOA and condo estoppel

If the home is in an HOA or condo association, the association issues an estoppel certificate showing what is owed. Florida law caps the fee, and any unpaid dues or special assessments are paid from your proceeds.

Estoppel certificate: $299 typical, only with an association

Worked example

A $500,000 home sale in Hillsborough County

Sample numbers run through the same engine as the calculator, so you can see every step from sale price to net.

Example, your numbers will differ

Estimated net proceeds

$211,197

About 42.2% of the sale price

You keep$211,197
Mortgage and liens$250,000
Agent compensation$25,000
Taxes, fees and credits$13,803

Sale price: $500,000
Estimated selling costs: −$38,803
Mortgage and liens: −$250,000
Estimated net: $211,197

The sample inputs

Property: Single-family home in Hillsborough County
Sale price: $500,000
First mortgage payoff: $250,000
Listing compensation: 5%
Buyer's agent compensation: None offered
Closing date: November 13, 2026
Last year's tax bill: $7,800
Owner's title policy: The seller pays (county custom)
HOA or condo association: No

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Every line in the example

Item	Amount
Mortgage and liens
First mortgage payoff	−$250,000
Agent compensation
Listing side (5%)From your listing agreement	−$25,000
Florida taxes and closing fees
Documentary stamp tax on deed$0.70 per $100 of price, rounded up	−$3,500
Owner's title insuranceFlorida promulgated rate	−$2,575
Title search and examTypical fee	−$350
Settlement / closing feeTypical title company fee	−$495
Municipal lien searchChecks for open permits and code liens	−$250
Recording, wire and courierTypical	−$150
Credits and adjustments
Property tax proration (316 days)Seller credits buyer Jan 1 through the day before closing, prior year's bill less the early payment discount	−$6,483
Sale price	$500,000
Paid from the proceeds	−$288,803
Estimated net proceeds	$211,197

Estimated Florida seller costs for a single-family home in Hillsborough County, closing November 13, 2026. Estimate only. Your final figures come from the settlement statement your title company or closing attorney prepares.

Typical fees

The smaller fees in the estimate

Starting figures the calculator uses for every Florida sale. Your title company or closing attorney sets the actual amounts.

Fee	Typical	When it applies
Settlement or closing fee	$495	Every sale
Title search and exam	$350	When the seller pays for the owner's title policy. In Hillsborough County the seller customarily does, so the example includes it.
Municipal lien search	$250	Every sale. Checks for open permits and code liens.
Recording, wire and courier	$150	Every sale
HOA or condo estoppel certificate	$299	Only with an association. Florida law caps the fee.
Property tax proration	Varies	Every sale. Last year's bill less the 4% early payment discount, prorated to the day.

Hillsborough County FAQ

Questions Hillsborough sellers ask

How much are doc stamps when you sell a home in Hillsborough County?

Florida charges documentary stamp tax on the deed at $0.70 per $100 of the sale price, rounded up to the next $100, and by custom the seller pays it. On a $500,000 sale in Hillsborough County that comes to $3,500.

Who pays for the owner's title insurance in Hillsborough County?

By local custom the seller usually pays for the owner's title policy in Hillsborough County. It is a custom, not a law: who pays is negotiable and is settled in your purchase contract. At Florida's promulgated rate the owner's policy on a $500,000 sale is about $2,575. The calculator starts with the county custom and lets you switch it.

How are property taxes handled when I sell in Hillsborough County?

Florida property taxes are paid in arrears, so at closing the seller credits the buyer for the part of the year they owned the home: January 1 through the day before closing. The calculator bases the credit on last year's bill less the 4% early payment discount. For a closing on November 13, 2026 with a $7,800 bill, that is 316 days and a credit of about $6,483.

What else comes out of the proceeds when I sell in Hillsborough County?

Your mortgage payoff and any other liens, the agent compensation you agree to, and closing fees such as the settlement fee, a municipal lien search, and recording, wire and courier charges. If the home is in an HOA or condo association there is also an estoppel certificate, and any unpaid dues or assessments are paid from your proceeds.

Is the example on this page what I will net?

No. It is built from sample numbers so you can see how the math works. Your own payoff, price and listing agreement will change the result, so run the calculator with your numbers. Your final figures come from the settlement statement your title company or closing attorney prepares.

Selling somewhere else in Florida?

Each county page runs the same engine with that county's rules and customs.

Selling in a county not listed here? Choose Other Florida county in the calculator: the statewide doc stamp rate applies and you pick who pays the title policy.

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