CLOSING COST CALCULATOR · KEY WEST, FL

Seller Closing Costs in Key West, FL — Full Breakdown

See every cost a Key West seller pays at closing — line by line. Adjust the sale price to match your home.

$900,000
$100K$3.0M
2.5%
LISTING FEE:
SELLER CLOSING COST BREAKDOWN — KEY WEST, FL
Documentary stamp tax ($0.70/$100)$6,300
Title insurance (seller's policy)$4,500
Settlement / closing fee$600
Prorated property taxes (est. 6 mo.)$8,100
Flat fee MLS listing$99
Buyer-agent commission (2.5%)-$22,500
TOTAL SELLER COSTS
$42,099
4.7% of sale price
✓ Using flat fee MLS saves you $26,901 vs. a 3% listing agent
List My Home — $99Key West MLS Page →

Seller Closing Costs in Key West: What to Expect

Florida seller closing costs in Key West include several required line items. The documentary stamp tax ($0.70 per $100) is $6,300 on a $900,000 home. Title insurance adds approximately $4,500. Settlement fees run $400–$800. Prorated property taxes add $8,100. Combined non-commission closing costs total approximately $19,500. The single largest controllable cost is the listing commission: $99 with flat fee MLS vs. $27,000 with a traditional 3% agent — a $26,901 difference.

MEDIAN HOME PRICE
$900,000
MLS BOARD
Florida Keys MLS
FLAT FEE COST
$99
TRADITIONAL 3% FEE
$27,000
YOUR SAVINGS
$26,901
FREQUENTLY ASKED QUESTIONS

Key West Seller Calculator Questions

How much are seller closing costs in Key West, FL?
Florida seller closing costs (excluding agent commission) typically run 1.5–2.5% of the sale price. On a $900,000 Key West home, that's approximately $13,500–$22,500 in non-commission costs.
What is the documentary stamp tax in Florida?
Florida's documentary stamp tax on deeds is $0.70 per $100 of the sale price. On a $900,000 Key West home, that's $6,300. This is typically the seller's responsibility in most Florida counties.
Who pays title insurance in Key West?
In most Florida counties — especially South Florida — it is customary for the seller to pay for the owner's title insurance policy. Title insurance on a $900,000 home typically runs $3,600–$5,400.
Can I reduce seller closing costs in Key West?
The biggest controllable cost is the listing-side commission. Switching from a 3% listing agent ($27,000) to flat fee MLS ($99) saves $26,901 on a $900,000 home.
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Key West Resources & Calculators

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