BreakThru Realty

Cost to Sell a House in Boca Raton

Every cost a Boca Raton seller pays at closing, what each one is, who customarily pays it in Palm Beach County, and how to estimate what you keep.

Reviewed by Tyson E. Sam, Founder and Broker of Record, BreakThru Realty, Florida License 3565210

Selling a house in Boca Raton has costs a seller can plan for: the Florida documentary stamp tax, title and closing charges, association estoppel fees, prorated property taxes and the brokerage commission. This page works through each one against the live Boca Raton sold prices, so the net proceeds are not a surprise at the closing table.

Boca Raton Market at a Glance

Updated September 23, 2026 from BeachesMLS.

  • 1,549homes & condos for sale
  • 113new listings this week
  • 512under contract
  • 597waterfront listings
  • 286luxury listings ($2,000,000+)
  • 312sold in the last 30 days
Single-family homesCondos & townhomes
Active listings508945
Median list price$1,582,000$350,000
Median list price per sq ft$557/sq ft$281/sq ft
Average days on market100 days123 days
Sold in the last 90 days532455
Median sold price (90 days)$1,032,500$390,000
Sale price as % of list price96.5%95.2%
Months of inventory2.9 months6.2 months
Median sold price vs. a year ago+18%+20%

Source: BeachesMLS via the Spark API. Active listings as of September 23, 2026; sold figures cover closings in the last 90 days, compared with the same 90 days one year earlier. Not an appraisal. How these figures are calculated.

The Costs of Selling a House in Boca Raton, in Order of Size

For most Boca Raton sellers the list runs: the mortgage payoff, the brokerage commission, the Florida documentary stamp tax on the deed, title and settlement charges, property taxes for the part of the year you owned the home, association fees and estoppel charges where there is an association, and whatever you agree with the buyer after inspection. None of them is paid up front. They are deducted from the sale price on the closing statement, and what is left is wired to you.

Documentary Stamp Tax in Palm Beach County

Florida charges a documentary stamp tax on every deed, customarily paid by the seller. In Palm Beach County, as in every Florida county except Miami-Dade, the rate is 70 cents per $100 of the sale price. On the median Boca Raton single-family home sale of $1,032,500, that comes to about $7,227. It is calculated on the full price, not on your gain, and it is due at closing.

Title Insurance and Closing Charges in Palm Beach County

Who pays for the owner's title insurance policy is a matter of local custom, and it is written into the contract. In Palm Beach County the seller customarily chooses the title company and pays for the owner's policy, the reverse of Miami-Dade and Broward, where the buyer does. Florida sets title insurance premiums by a published rate, so the policy costs the same at any company and rises with the price. The seller also pays a settlement fee, a lien search, and the cost of clearing anything it turns up, such as an open permit or an unpaid utility balance. All of it is negotiable, so read the contract rather than relying on custom.

Property Taxes, Association Fees and Assessments

Florida property taxes are paid in arrears, so at closing the seller credits the buyer for the taxes from January 1 to the closing date; the later in the year you close, the larger that credit. If the home is in a condominium or a homeowners' association, the association charges for an estoppel certificate showing what is owed, a fee capped by Florida statute, and any unpaid dues are settled at closing. In Boca Raton's older condominium buildings, ask early about special assessments tied to the milestone inspection and the structural reserve study: the contract decides whether the seller or the buyer pays one that has been levied but not yet billed.

Repairs, Credits and Preparing the Home

After the inspection, most buyers ask for repairs or a credit. South Florida insurers care about four things, the roof, the electrical panel, the plumbing and the air conditioning, so a buyer's four-point inspection tends to decide what is asked for. Knowing the roof's age and having permits closed before you list removes most surprises. Preparation costs (cleaning, paint, landscaping, staging) are optional, and we tell you which ones the Boca Raton comparables say will come back in the price and which will not.

Taxes on the Gain, and Foreign Sellers

Florida has no state income tax, so any tax on your gain is federal. Owners who lived in the home as their main residence for two of the last five years can usually exclude up to $250,000 of gain, or $500,000 for a married couple filing jointly; investment and second homes do not qualify, which is where a 1031 exchange comes in. If the seller is a foreign person, the buyer is generally required under FIRPTA to withhold 15% of the sale price for the IRS unless an exception or a withholding certificate applies, something to plan for months before closing. This is general information, not tax advice; confirm your position with a CPA.

Estimating What You Keep

Net proceeds are the sale price less the mortgage payoff and the costs above. We prepare a written estimate for your address before you decide anything, using a valuation from matching Boca Raton sales and the actual Palm Beach County charges, and we put a guaranteed cash offer beside it if you want to compare a certain, as-is sale with a listing. Request it with the form on this page.

Boca Raton Costs Beyond the County Norms

Boca Raton adds costs that a county checklist will not mention. In a mandatory-membership community the club has its own transfer process, its own paperwork and its own fees, and how a membership is resigned or passed on can hold up a closing if it is left until the end. Waterfront sellers are asked for a seawall and dock inspection, and a buyer will negotiate hard over a seawall near the end of its life, while moving a boat off the dock for showings and closing falls to the owner. East of Federal Highway an elevation certificate is needed for the buyer's flood policy, and any insurer will want the wind mitigation and four-point reports. Open permits on a rebuilt house have to be closed out first.

Selling a Boca Raton Condo or Association Home

Selling an association home in Boca Raton means two reviews, sometimes three. The village or building approves the buyer, charges its fee and takes its own time, and in a club community the club reviews the purchaser as well and sets what the new owner may use. Some buildings downtown and on A1A hold a right of first refusal that has to be waived before the contract can move. Buyers now ask for the structural inspection report, the reserve study, the budget and any voted assessment before they offer, so a seller who has them ready avoids a renegotiation. Leasing caps matter because they decide whether an investor can buy at all, and in Century Village and parts of Boca Lago the age rule narrows the pool further.

When Boca Raton Sellers Close Fastest

The Boca Raton calendar is written by the winter. Buyers who intend to live here part of the year are in town from January through April, so an oceanfront condo or a club home brought to market in the autumn meets the largest audience, and a listing launched in midsummer competes for a much smaller one. Families looking at the school boundaries west of I-95 shop in spring for a summer move. Hurricane season from June through November can stall a financed closing when an insurer pauses binding during a named storm. Cash sales in the age-restricted communities can close quickly, but any sale needing an association and a club approval takes longer, so the contract dates should allow for both.

Recently Sold in Boca Raton

The newest closings in Boca Raton, with the sale price, closing date and days on market for each.

Recently sold homes in Boca Raton

What Is Your Boca Raton Home Worth?

Request a free valuation built on recent Boca Raton sales, or a full comparative market analysis before you list. No fee, no obligation, and a licensed broker answers within one business day.

Cost to Sell: Frequently Asked Questions

How much does it cost to sell a house in Boca Raton?
Apart from the mortgage payoff, a Boca Raton seller pays the brokerage commission, the Florida documentary stamp tax on the deed, title and settlement charges, prorated property taxes, any association estoppel fee and unpaid dues, and whatever repairs or credits are agreed after inspection. Everything is deducted at closing; nothing is paid up front. We prepare a written net proceeds estimate for your address before you decide.
How much are documentary stamps on a home sale in Palm Beach County?
In Palm Beach County the documentary stamp tax on a deed is 70 cents per $100 of the sale price, the rate in every Florida county except Miami-Dade. On the median Boca Raton single-family home sale of $1,032,500, that is about $7,227. The seller customarily pays it.
Who pays for title insurance in Palm Beach County, the buyer or the seller?
By local custom the seller chooses the title company and pays for the owner's policy in Palm Beach County. In Miami-Dade and Broward the custom is reversed and the buyer pays. It is a custom, not a law, so the contract controls.
Do I pay capital gains tax when I sell my home in Florida?
Florida has no state income tax, so any tax on the gain is federal. If the home was your main residence for two of the last five years you can usually exclude up to $250,000 of gain, or $500,000 for a married couple filing jointly. Second homes and rentals do not qualify. This is general information, not tax advice; confirm it with a CPA.
Do I have to make repairs before I sell?
No. You can sell as-is, and the standard Florida as-is contract gives the buyer an inspection period rather than a repair obligation. Repairs become a negotiation after the inspection, usually settled with a credit. If you would rather avoid showings and inspections altogether, ask us for the guaranteed cash offer and compare it with the listing estimate.

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