How much does it cost to sell a house in Indian River County?

Apart from the mortgage payoff, a Indian River County 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 Indian River County?

In Indian River 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 Indian River County single family home sale of $370,750, that is about $2,595. The seller customarily pays it.

Who pays for title insurance in Indian River County, the buyer or the seller?

By local custom the seller chooses the title company and pays for the owner's policy in Indian River 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 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.

Cost to Sell a House in Indian River County

Know what you would keep from your Indian River County sale, line by line, before you decide to sell.

Every cost a Indian River County seller pays at closing, what each one is, who customarily pays it in Indian River 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 Indian River County 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 Indian River County sold prices, so the net proceeds are not a surprise at the closing table.

Indian River County Market at a Glance

Updated November 8, 2026 from BeachesMLS.

Newest Indian River County Homes for Sale

The 30 newest homes, condos and townhomes on the market in Indian River County, straight from BeachesMLS. The 30 listings on this page run from $69,900 to $2,500,000, with a median of $532,495, about $254 per square foot, and they have been listed a median of 6 days.

The communities with the most listings here are Riviera Lake Subdivision (4), Hampton Park (3), Sebastian Highlands (3) and Verolago (2), 12 of the 30; the others are spread across 18 more communities.
By type: 25 single-family homes and 4 condos.
Bedrooms run from 2 to 6, a median of 3; they were built between 1952 and 2026, a median of 2006, and 11 in the last ten years.
8 of the 30 have a pool, and 8 are on the water.
They sit in 6 ZIP codes: 32958, 32962, 32963, 32966, 32967 and 32968.

See every Indian River County home for sale with map and filters.

	Single-family homes	Condos & townhomes
Active listings	406	143
Median list price	$448,000	$245,000
Median list price per sq ft	$236/sq ft	$191/sq ft
Average days on market	105 days	85 days
Sold in the last 90 days	222	48
Median sold price (90 days)	$370,750	$187,500
Sale price as % of list price	97.9%	95.8%
Months of inventory	5.5 months	8.9 months
Median sold price vs. a year ago	-1.1%	+7.1%

Source: BeachesMLS. Active listings as of November 8, 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 Indian River County, in Order of Size

For most Indian River County 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 Indian River County

Florida charges a documentary stamp tax on every deed, customarily paid by the seller. In Indian River County, as in every Florida county except Miami-Dade, the rate is 70 cents per $100 of the sale price. On the median Indian River County single family home sale of $370,750, that comes to about $2,595. It is calculated on the full price, not on your gain, and it is due at closing.

Title Insurance and Closing Charges in Indian River County

Who pays for the owner's title insurance policy is a matter of local custom, and it is written into the contract. In Indian River 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 Indian River County'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 Indian River County 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 Indian River County sales and the actual Indian River 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.

Indian River County Costs Beyond the County Norms

Selling in Indian River County carries a few costs that the usual Florida customs do not predict. Older mainland houses usually need a four-point and wind mitigation inspection before a buyer can insure them, and an ageing roof becomes a price conversation. Where a home is on a well and septic, as in parts of Vero Lake Estates and Sebastian Highlands, buyers often ask for a septic inspection or pump-out, and a failing drain field turns into a repair or a credit. Club communities on the island and the river may charge a transfer or capital contribution fee, and open permits for pools, sheds or enclosures must be closed before the sale. Owners who spend summers away also carry lawn, pool and storm-preparation costs while an Indian River County listing is live.

Selling a Indian River County Condo or Association Home

Condo and association sales in Indian River County run on the association's paperwork and timetable. Florida allows an association to charge for the estoppel certificate that states what the seller owes, and many require a buyer application or interview before approval. In fifty-five-plus communities such as Vista Royale and Woodfield, the association also confirms the buyer's age. For buildings of three stories or more, including the oceanfront condos on the island, buyers expect the milestone inspection and the structural integrity reserve study, and any approved special assessment must be disclosed. Club communities such as Grand Harbor and Indian River Club add membership questions. An Indian River County seller who orders the estoppel early and assembles the budget, rules and insurance before listing avoids delays after the contract.

When Indian River County Sellers Close Fastest

Indian River County sellers meet the widest pool of buyers in winter, when seasonal residents fill the island, the river and the golf communities, so listings aimed at them should be ready by the new year. Mainland family homes in Vero Lake Estates, Sebastian Highlands and the western communities follow the school calendar, with many buyers hoping to close by early summer. Hurricane season can delay a closing, because insurers often stop binding new policies while a named storm threatens, which can hold up a financed purchase. Cash buyers can close in a few weeks; financed buyers need an appraisal and insurance quotes first. Condo and club sales need time for approvals. A home priced from its own community's sales and ready to show closes sooner in any Indian River County season.

Recently Sold in Indian River County

The newest closings in Indian River County, with the sale price, closing date and days on market for each.

Recently sold homes in Indian River County

What Is Your Indian River County Home Worth?

Request a free valuation built on recent Indian River County 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 Indian River County?: Apart from the mortgage payoff, a Indian River County 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 Indian River County?: In Indian River 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 Indian River County single family home sale of $370,750, that is about $2,595. The seller customarily pays it.
Who pays for title insurance in Indian River County, the buyer or the seller?: By local custom the seller chooses the title company and pays for the owner's policy in Indian River 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.