Florida charges sales and use tax plus county discretionary sales surtax of 6% at the state level, and local jurisdictions add their own, which brings a typical vehicle to about 7%. A trade-in does reduce the taxable price, which is real money on the deal.
Type your own numbers and see the same car priced as cash and as a loan, with the taxes and state fees for Florida. Nothing you type leaves this page.
To see a lease, pick a vehicle. A lease is priced on one car: what it is expected to be worth at the end (its residual) and the leasing company's money factor change by model and by month.
An estimate on the numbers you type, not an offer of credit or a quote from any dealership. Starting loan rates are Rateous's rates for each credit range and term; they are not an offer from any lender. The documentary fee starts at an example figure, the state's legal cap where it has one or $599 where it does not, not any dealership's fee; each dealership sets its own. Taxes and state fees are estimates for Florida; the dealership's paperwork and your motor vehicle agency have the final numbers. Nothing you type is sent, saved, or used to check your credit.
Dealers collect the surtax of the county where the vehicle will be registered, on the first $5,000 only; 2026 county rates range 0% (Citrus, Collier) to 2.0% (Hamilton); the most common rate is 1.0% and the large metro counties are 0.5%-1.5% (DR-15DSS calendar 2026).
Manufacturer rebates do not reduce the taxable sales price in Florida; dealer discounts do.
Title fee $77.25 is for an electronic new title; $75.25 base plus $2 for a vehicle previously titled out of state; add $2.50 for a printed paper title.
On a $35,000 new car with a $37,000 sticker, registered in Miami, no trade-in: the same figures the calculator above uses. The dealership's documentary fee is its own and is not included.
| Fee | Amount |
|---|---|
| Title fee | $77.25 |
| Registration (est., weight based) | $46.00 |
| License plate fee | $28.00 |
| Initial Registration Fee (first time a plate is issued to the owner (no plate transferred)) | $225.00 |
| In all | $376.25 |
Florida taxes a lease one payment at a time: the tax is added to each monthly payment, so you pay it as you go.
Pick your city for the exact combined rate where you register, plus what title and registration run there.
Florida charges 6% at the state level and local jurisdictions add more, so a typical combined rate on a vehicle is about 7% and can reach 8% at the high end. The rate is set by the address you register the car to, so pick your city above for the exact figure.
Trade-in allowance for tangible personal property taken in trade at the time of sale reduces the taxable price (F.S. 212.09).
On a $35,000 new car with a $37,000 sticker, registered in Miami: Title fee $77.25, Registration (est., weight based) $46.00, License plate fee $28.00, Initial Registration Fee (first time a plate is issued to the owner (no plate transferred)) $225.00, about $376.25 in all. Base annual fee by net weight: up to 2,499 lbs $14.50; 2,500-3,499 lbs $22.50; 3,500 lbs and over $32.50. Statutory add-ons (reflectorization $0.50, LERSTF $1, juvenile justice $1, air pollution $1, $2.50 transportation, $5 and $10 surcharges, etc.) bring a 3,500+ lb car to roughly $46 per year; the $6.25 tax collector service fee may apply.
No. Florida sets no statutory cap. Each dealership sets its own documentary fee (not a government fee), and each car shows its dealership's fee. Florida dealers must disclose it as a pre-delivery service fee, with the notice the law requires (F.S. 501.976).
Florida taxes a lease one payment at a time: the tax is added to each monthly payment, so you pay it as you go.