What Is the Typical Real Estate Agent Commission in Florida?
Published by Cash Flow Deals · Last updated 2026-07-21 · Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (License #3280644, REALTOR®), affiliated with Silver Door Realty, LLC (License #CQ1064903)
The seller pays it. Real estate commission comes out of the seller's proceeds at closing, deducted by the title company before the seller ever sees the check. Nationally it runs roughly 4% to 8% of the sale price, historically split close to evenly between the listing agent's brokerage and the buyer's agent's brokerage. On a $400,000 Florida sale at a 6% total rate, that's $24,000 off the top before the seller walks away with anything. Rule changes that took effect in August 2024, following a National Association of Realtors settlement, changed one piece of that: buyer-agent compensation is no longer automatically built into the deal. It now has to be negotiated in writing before a buyer's agent shows the home. Sellers who want to skip that math altogether have another option: a locked-price sale through Cash Flow Deals, where the seller's net amount is agreed on in writing before any commission math applies.
| Cash Flow Deals | Traditional Listing | |
|---|---|---|
| Timeline | Net price returned within 24 hours; closing available in as little as 10 business days, with no buyer financing to wait on. | Commonly six to nine months once negotiation, inspection, and financing fallthrough risk are counted. |
| Repairs | Only a real structural issue found at inspection (foundation, moisture, wiring, or drain) gets re-costed, and the seller decides how to move forward. Everything else holds. | No equivalent exception -- repair requests and price renegotiation can surface again after the buyer's inspection. |
| Fees/Costs | A transparent line-item fee, paid only after the seller's locked price, closing costs, and the buyer's agent commission are covered. | Total commission typically runs 4% to 8% of the sale price, deducted from proceeds at closing by the title company. |
How CFD Actually Gets Paid — And Why Your Locked Price Never Moves
Before anything goes on the market, CFD agrees on a net price with the seller in writing. That's the exact cash amount the seller is guaranteed at closing, and it's locked. One standard exception: if foundation, moisture, wiring, or drain issues turn up at inspection, those items get re-costed and the seller decides how to move forward. Everything else holds.
To get the home in front of real buyers, CFD partners with Silver Door Realty, a licensed Florida brokerage, which lists it on the MLS through a flat-fee listing service. That's simply how the property gets found. It's not a fee the seller pays CFD, and it's not how CFD makes money. CFD then markets the home above the seller's locked-in number, aiming for a real, financed retail buyer: FHA, conventional, VA, or DSCR.
When the home sells, the proceeds pay out in order: the seller's agreed price first, then the seller's closing costs, then the buyer's agent commission. That commission typically splits close to 50-50 between the two sides and lands somewhere between 4% and 8% total. The title company deducts all of it at closing, the same way a mortgage payoff would. None of it comes out of the seller's pocket separately. Whatever's left after those three is CFD's fee: the spread between the sale price and the seller's number. The seller gets their agreed price either way.
It's one contract from start to finish. The end buyer purchases directly. CFD never takes title, and CFD is never the brokerage itself, always a partner to one. Curious what your locked number would look like? Get your net price locked in writing.
What Changed for Sellers in August 2024
A National Association of Realtors settlement changed how buyer-agent commission gets handled, effective August 2024. Buyer-agent compensation can no longer be advertised through the MLS. It now has to be negotiated in writing between a buyer and their agent before that agent can tour homes with them. A seller can still choose to offer to cover the buyer's agent's fee as part of their listing strategy, but it's optional now, not the default. Practically, that means a Florida seller working with a traditional listing agent has one more decision to make up front: whether to offer buyer-agent compensation at all, and if so how much. It affects how many agents are willing to show the home.
How This Fits Into Your Selling Decision
Commission isn't the only cost shaping what a Florida seller walks away with. It's one piece of a bigger tradeoff. A traditional listing still carries agent commission, on top of a timeline that commonly runs six to nine months, with real risk the deal falls through before closing. An investor paying in cash typically skips the commission question, but usually does it by pricing well below what the home would fetch on the open market.
Cash Flow Deals is a Florida real estate investor that locks in a net price for a seller's house before repairs are scoped, using a novation-based, flat-fee process arranged through its licensed FL brokerage partner, Silver Door Realty — not a traditional listing, and not a brokerage itself.
CFD's flat-fee brokerage model works differently. Sellers get connected to a real financed buyer (FHA, conventional, VA, or DSCR) through a single-contract novation structure, and CFD is paid a transparent line-item fee instead of a traditional split commission. The seller sees exactly what's being paid and to whom before signing anything.
Cash Flow Deals' Offer Process:
1. Cash Flow Deals reviews your property details and returns a written net-price offer, typically within 24 hours. You know your number before any commission math enters the picture.
2. If you accept, the property moves toward closing under a single-contract novation, with Silver Door Realty (Cash Flow Deals' licensed FL brokerage partner) handling the listing side needed to reach a real financed buyer.
3. Closing happens in as little as 10 business days once terms are signed. The seller's locked net price gets paid out first, ahead of closing costs and the buyer's agent commission.
Common questions
Do Florida sellers have to pay the buyer's agent commission?
No, not automatically. Since the August 2024 rule changes, offering to cover a buyer's agent's fee is the seller's choice, not a built-in requirement. It's still common to offer something, since it can affect how many buyer's agents are willing to show the home. But the amount, and whether to offer it at all, is now a separate written negotiation.
Is real estate commission negotiable?
Yes. Commission has never been a fixed, government-set rate. Total commission has ranged roughly between 4% and 8%, depending on the market and the agreement between the seller and their listing brokerage. Since 2024, buyer-agent compensation specifically has to be spelled out in a separate written agreement. It's no longer assumed.
Keep reading
What this means for your options
Selling without a realtor saves the listing-side commission, but you take on marketing, negotiation, and paperwork yourself. Our flat-fee structure gets you a licensed brokerage without the traditional 3% listing-side cost.
Wait and see
Keep the property as-is and hope conditions improve. The mortgage, insurance, and upkeep keep costing money while you wait, with no set date for things to turn around.
List with a traditional agent
Standard MLS listing, typically 5-6% in commission, and a financed buyer whose deal depends on appraisal, inspection, and lender approval — any of which can fall through after weeks on market.
Sell to Cash Flow Deals
No repairs, no showings, no financing contingency on your side — our novation structure connects you with a bank-financed buyer at a price locked at signing. Usually within one business day.
See your selling options before you decide anything.