BreakThru Realty

Cost to Sell a House in Palm Beach Gardens

Every cost a Palm Beach Gardens 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 Palm Beach Gardens 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 Palm Beach Gardens sold prices, so the net proceeds are not a surprise at the closing table.

Palm Beach Gardens Market at a Glance

Updated September 22, 2026 from BeachesMLS.

  • 548homes & condos for sale
  • 48new listings this week
  • 208under contract
  • 190waterfront listings
  • 244luxury listings ($1,000,000+)
  • 111sold in the last 30 days
Single-family homesCondos & townhomes
Active listings318197
Median list price$1,499,000$415,000
Median list price per sq ft$500/sq ft$311/sq ft
Average days on market111 days101 days
Sold in the last 90 days279150
Median sold price (90 days)$1,075,000$401,000
Sale price as % of list price96.5%96.7%
Months of inventory3.4 months3.9 months
Median sold price vs. a year ago+7.5%+11.4%

Source: BeachesMLS via the Spark API. Active listings as of September 22, 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 Palm Beach Gardens, in Order of Size

For most Palm Beach Gardens 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 Palm Beach Gardens single-family home sale of $1,075,000, that comes to about $7,525. 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. A special assessment that has been levied but not fully paid is a negotiated item: the contract decides whether the seller pays it off or the buyer takes it over.

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 Palm Beach Gardens 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 Palm Beach Gardens 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.

Palm Beach Gardens Costs Beyond the County Norms

Costs that come up in Palm Beach Gardens beyond the county norms start with the club. In a mandatory-membership community the sale triggers your resignation from the club and the buyer's application to join, and the club's documents decide what you get back, when, and what transfer fee applies, so read them before you set a price. Many homes sit under two associations, a master and a neighborhood association, which means two estoppel certificates and two sets of approval rules. On the Intracoastal side, buyers order a dock and seawall inspection and ask for the elevation certificate. On acreage in Caloosa, Steeplechase or Palm Beach Country Estates, the well and septic inspection and any unpermitted barn or workshop are the seller's to clear. Open permits for a roof, a pool or impact windows cost less to close before the listing than during the inspection period.

Selling a Palm Beach Gardens Condo or Association Home

Selling a condo or villa in Palm Beach Gardens means selling through the association and, in the clubs, through the club as well. The buyer applies to the association and pays its fee, and in BallenIsles, Mirasol, Frenchman's Creek and Frenchman's Reserve the buyer must also be accepted as a member, which adds weeks and a joining fee the buyer needs to have ready. Ask your association whether it holds a right of first refusal and how many leases a year it permits, because both change who can buy. If the building is three stories or more, the milestone inspection and the structural reserve study belong in your disclosure package with the budget and any assessment. A Palm Beach Gardens condo in the older sections of PGA National or Eastpointe sells faster with those documents already gathered.

When Palm Beach Gardens Sellers Close Fastest

Sellers in Palm Beach Gardens close fastest when the buyer is already in town. Club homes go under contract in the winter, when the seasonal residents are here, and close in the spring after the club and the association approve the buyer, which can take weeks on top of the lender. Family houses in Garden Lakes, Evergrene and Alton move in late spring and summer so the buyer is settled before school. Hurricane season, June through November, is when a named storm in the forecast can pause a buyer's insurance and push a closing back, so a Palm Beach Gardens seller who lists in the fall gets the season's buyers without that risk. Cash buyers in the clubs close as fast as the membership approval allows.

Recently Sold in Palm Beach Gardens

The newest closings in Palm Beach Gardens, with the sale price, closing date and days on market for each.

Recently sold homes in Palm Beach Gardens

What Is Your Palm Beach Gardens Home Worth?

Request a free valuation built on recent Palm Beach Gardens 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 Palm Beach Gardens?
Apart from the mortgage payoff, a Palm Beach Gardens 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 Palm Beach Gardens single-family home sale of $1,075,000, that is about $7,525. 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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