State: Florida

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How a FL car payment calculator includes tax:

Florida includes the sale price, doc fee, extended warranty, and prepaid service in the taxable cost of an auto loan but excludes the trade-in vehicle.

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Florida car buyers get a tax break on trade-in vehicles.

Principal vs Interest

Tax vs Tags

Verbal Equation

See credit union interest rates for APR.

Principal vs Interest

Tax vs Tags

Cost Breakdown

Tax
Florida car tax is $ at % based on an amount of $. This taxable value is combined from the sale price of $ plus the doc fee of $ plus the extended warranty of $ minus the trade-in value of $.

The state tax rate is 6%, but the total tax must include a county surtax ranging from 1/2% to 2% levied upon a maximum of $5000 of the taxable value.

Some counties do not charge the surtax.

Select your location to view your amount, and see our car tax calculator for more details.

Tags
Florida DMV title and license cost is about $ on a $ vehicle based on a flat fee that fluctuates depending on vehicle usage and weight.

View the Florida tag fee estimator to verify your registration cost, and use our DMV Override to adjust the calculator.

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All data based on your calculation.

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Verbal Equation

A car payment with Florida tax and tags included is $ at % APR for months on a loan amount of $.

The payment is based on a net vehicle price of $, plus Florida DMV fees, plus extended warranties. The net price comes from the sale price of $ minus the rebate of $.

The payment of tax and tags combined is $, but this may vary based on vehicle type and intended usage.

The trade vehicle value is $, and after a trade loan payoff of $, the equity of $ applies to the vehicle purchase.

The doc fee is $.

Adjust numbers in calculator.

Notes

GAP insurance is not taxed in Florida.

You can include maintenance on the warranty line of the calculator for accurate tax handling.

The documentation fee is set by the dealer, but is not negotiable so clarify upfront what the dealer charges. The customary doc fee is $799 in Florida but may differ as there is no maximum set by the state.

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