Florida county guide
Osceola County real estate: closing costs, taxes and market data
What it costs to buy and sell a home in Osceola County, Florida, with the state's own formulas and the latest market figures.
Market snapshot
In September 2026, Osceola County recorded 638 closed sales, up 0.9% from a year earlier, with a median sale price of $380,000, down 1.2% year over year. The median time to contract was 56 days, and active inventory stood at 4,588 listings. The Census Bureau estimated the county's population at 481,718 as of July 2025.
Main cities: Kissimmee, St. Cloud, Celebration, Poinciana, Buenaventura Lakes, Harmony
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 |
| $380,000 | $2,660 | $1,975 | $1,672 |
| $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 Osceola 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
Osceola County has many lakes, wetlands and low-lying areas near the Kissimmee River basin, so buyers should look up a property's FEMA flood zone and get flood insurance quotes before closing.
Local offices
Questions agents and buyers ask
- How much are doc stamps in Osceola County?
- On a $380,000 sale, deed doc stamps are about $2,660 ($0.70 per $100 of the price). The seller normally pays them.
- Who pays for title insurance in Osceola County?
- By custom the seller pays for the owner's title policy. At $380,000 it's about $1,975 at Florida's promulgated rate; the contract can say otherwise.
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Sources
- Osceola County Association of REALTORS – Osceola County Market Statistics, September 2026
- U.S. Census Bureau QuickFacts: Osceola County, Florida
Market figures researched November 3, 2026.