Florida intangible tax calculator
How much is the intangible tax in Florida?
Work out the intangible tax
Set by statute, the same in all 67 countiesNonrecurring intangible tax
$800.00
Example: a $400,000 mortgage, taxed the same in every county.
On the mortgage
The same mortgage also carries $1,400.00 in documentary stamp tax; the doc stamp calculator prices both.
Not in it: the mortgage stamps, the deed’s tax on a purchase, the title premium, recording, and every fee.
The short answer
Florida’s intangible tax is a one-time tax on the obligation a mortgage secures: 2 mills on each dollar secured — $2 per $1,000, which is 0.2% of the loan, under Fla. Stat. § 199.133(1). On a $400,000 mortgage it is $800. It is charged on each dollar, so it never rounds, it is the same in all 67 counties, and it is the borrower’s: a cash sale carries none. The same mortgage also carries the documentary stamp tax at 35¢ per $100, $1,400 on that loan.
Source: Bayit Title, https://bayittitle.com/closing-costs/intangible-tax-calculator
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The intangible tax at common loan amounts
| Loan amount | Intangible tax | Mortgage stamps | Together |
|---|---|---|---|
| $100,000 | $200 | $350 | $550 |
| $150,000 | $300 | $525 | $825 |
| $200,000 | $400 | $700 | $1,100 |
| $250,000 | $500 | $875 | $1,375 |
| $300,000 | $600 | $1,050 | $1,650 |
| $400,000 | $800 | $1,400 | $2,200 |
| $500,000 | $1,000 | $1,750 | $2,750 |
| $600,000 | $1,200 | $2,100 | $3,300 |
| $750,000 | $1,500 | $2,625 | $4,125 |
| $1,000,000 | $2,000 | $3,500 | $5,500 |
| $1,500,000 | $3,000 | $5,250 | $8,250 |
Intangible tax: Fla. Stat. § 199.133(1). Mortgage stamps: Fla. Stat. § 201.08(1)(b). The same in all 67 counties, on a purchase or a refinance.
How the tax is counted
The intangible tax is 2 mills on each dollar the mortgage secures: the loan multiplied by 0.002, to the cent, so it never rounds. The documentary stamp tax on the same mortgage is 35¢ on each $100 and on any part of $100 left over, so that one counts the hundreds up. Both are paid once, when the mortgage is recorded, and neither is charged again while the loan runs.
| Tax | In the statute | Percent | On $1,000 |
|---|---|---|---|
| Intangible tax | 2 mills on each dollar | 0.2% | $2 |
| Mortgage stamps | 35¢ on each $100 | 0.35% | $3.50 |
On a refinance
A refinance has no deed, so the only taxes are the two on the new mortgage. The calculator charges the intangible tax on the whole new loan, which is what is owed unless the new loan continues the old one: Under § 199.145(4), refinancing a loan the tax was paid on, with the original lender or its assignee, owes nothing up to the unpaid principal and accrued interest; above that, where the same borrower stays liable, only the excess is taxed. Fla. Stat. § 199.145(4). Whether that applies turns on the loan papers, so it is settled on the file. More on refinance closings.
Who pays it
The borrower. The tax is on the obligation the mortgage secures, so it sits on the buyer’s side of the statement on a purchase and the borrower’s on a refinance; a seller has no new loan. A cash sale carries no mortgage, no intangible tax and no mortgage stamps. The deed’s own tax is the seller’s by custom, and is on the Florida doc stamp calculator, which prices all three together; the link under the card above carries this loan across to it.
Common questions
How much is the intangible tax in Florida?
$2 per $1,000 of the amount a mortgage secures, which is 0.2% of the loan: $800 on a $400,000 mortgage. It is charged once, when the mortgage is recorded, and is the same in all 67 counties.
What is the intangible tax?
2 mills on each dollar secured — $2 per $1,000, under Fla. Stat. § 199.133(1). One time, on the obligation the mortgage secures. It is called nonrecurring because it is paid once on the mortgage, not every year.
How is the intangible tax calculated?
Multiply the loan by 0.002: $400,000 × 0.002 = $800. It is charged on each dollar, so it never rounds; the documentary stamp tax on the same mortgage counts any part of $100 as a whole one, so that one can.
Who pays the intangible tax, the buyer or the seller?
The borrower. It is a tax on the obligation the mortgage secures, so it is on the buyer’s side of the statement on a purchase and the borrower’s on a refinance. A seller has no new loan and owes none of it, and a cash sale carries no intangible tax at all.
Is the intangible tax charged on a refinance?
On the new mortgage, yes, on the whole new loan unless the new loan continues the old one. Under § 199.145(4), refinancing a loan the tax was paid on, with the original lender or its assignee, owes nothing up to the unpaid principal and accrued interest; above that, where the same borrower stays liable, only the excess is taxed. Whether that applies turns on the loan papers, so it is settled on the file.
What else is charged on a Florida mortgage?
The documentary stamp tax on the mortgage, 35¢ per $100 of the loan or part of $100: $1,400 on a $400,000 loan, so the two taxes together come to $2,200. The doc stamp calculator prices both, with the tax on the deed on a purchase.
Is the intangible tax the same in Broward, Palm Beach and Miami-Dade?
Yes. The intangible tax and the mortgage stamps are set by the state and are the same in all 67 counties. Only the tax on the deed differs, in Miami-Dade.
What else is on the statement
The intangible tax is one line of a financed closing. The buyer closing costs page sets out every line on the buyer’s side, the title insurance calculator works out the promulgated premium, and the Florida closing cost calculator puts the premium, both taxes on the mortgage, the deed’s tax and the recording on one card.
Every rate on this page was read from the statute that sets it on September 14, 2026 and is linked to that section. Rates change by act of the Legislature; if one of these no longer matches what you are being charged, tell us and we will correct it. This page is not tax advice.