Florida county guide
Gulf County real estate: closing costs, taxes and market data
What it costs to buy and sell a home in Gulf County, Florida, with the state's own formulas and the latest market figures.
Market snapshot
Gulf County is a small coastal county on Florida's Panhandle, with 14,192 residents in the 2020 Census. Port St. Joe is the county seat, and Wewahitchka is the other incorporated city. Redfin reported a median home sale price of $410K in its latest monthly data, down 7.5% from a year earlier, while the median price per square foot rose 14.1% to $270.
Main cities: Port St. Joe, Wewahitchka
Closing costs at common prices
| Sale price | Deed doc stamps | Owner's title policy | Note doc stamps + intangible tax (80% loan) |
|---|---|---|---|
| $250,000 | $1,750 | $1,325 | $1,100 |
| $410,000 | $2,870 | $2,125 | $1,804 |
| $500,000 | $3,500 | $2,575 | $2,200 |
| $750,000 | $5,250 | $3,825 | $3,300 |
Deed doc stamps are $0.70 per $100 of the price and are normally paid by the seller. In Gulf County the seller customarily pays the owner's title policy, at Florida's promulgated rate. Buyers with a loan also pay $0.35 per $100 on the note and 0.2% intangible tax. Property tax uses the county's typical millage less the $50,000 homestead exemption, so it's an estimate; check the property appraiser for any parcel.
Flood risk
Much of Gulf County lies along the Gulf of Mexico and St. Joseph Bay, so buyers should check the FEMA flood zone for each property and get flood insurance quotes before closing.
Local offices
Questions agents and buyers ask
- How much are doc stamps in Gulf County?
- On a $410,000 sale, deed doc stamps are about $2,870 ($0.70 per $100 of the price). The seller normally pays them.
- Who pays for title insurance in Gulf County?
- By custom the seller pays for the owner's title policy. At $410,000 it's about $2,125 at Florida's promulgated rate; the contract can say otherwise.
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Sources
- 2026 Gulf County, FL Housing Market - Redfin
- Gulf County, Florida (2020 census population)
- Gulf County Property Appraiser
- Gulf County Clerk of Circuit Court & County Comptroller
Market figures researched November 3, 2026.