The average out-the-door price for a 2026 Mazda CX-5 in Florida is approximately $31,900 including Florida's 6% state sales tax ($1,726 on the base $28,770 MSRP), title and registration fees of about $372, and the state's average dealer documentation fee of $999. Local county taxes, optional dealer add-ons, and chosen trim level can all push the final figure higher — use the calculator below to dial in the exact number for your situation.
| Cost component | Estimated amount |
|---|---|
| Base MSRP (Mazda CX-5) | $28,770 |
| Florida state sales tax (6%) | $1,726 |
| Average dealer doc fee | $999 |
| Title & registration (estimate) | $372 |
| Estimated out-the-door total | $31,900 |
On a base Mazda CX-5 (MSRP $28,770), Florida buyers should plan for roughly $31,900 out-the-door. That figure stacks $1,726 in Florida state sales tax (6% on the vehicle), about $999 in dealer documentation fees, and roughly $372 for title and registration paid to the Florida DMV.
Higher trims, packages, and county-level taxes can push the final number several thousand dollars above this baseline. The numbers above assume the lowest available trim and the state's average doc fee — your actual quote will vary by dealer and county.
Florida charges a 6% state sales tax on vehicle purchases, a rate unchanged since 1988. Most counties add a Discretionary Sales Surtax of 0.5%–1.5%, but Florida law caps the county surtax to apply only on the first $5,000 of the vehicle's price — limiting how much a high-tax county can add on a $30,000+ purchase.
Miami-Dade County — 7.00% (capped above $5,000) combined. Miami-Dade's 1% discretionary surtax applies to the first $5,000, adding $50 to any vehicle. The 6% state rate then applies to the full price. A $40,000 vehicle pays $2,400 state + $50 county = $2,450 total.
Hillsborough County (Tampa) — 8.50% (capped above $5,000) combined. Hillsborough has the state's highest discretionary surtax at 2.5%, but it's capped on the first $5,000 — adding only $125 regardless of vehicle price. On a $40,000 vehicle the total is $2,400 state + $125 county = $2,525.
Duval County (Jacksonville) — 7.50% (capped above $5,000) combined. Duval's 1.5% surtax adds $75 on the first $5,000 of any purchase. Combined with 6% state on the full price, a $40,000 vehicle costs $2,400 state + $75 county = $2,475.
A Miami-Dade buyer purchasing a 2026 Mazda CX-5 2.5 S Premium at $32,000 negotiated price would pay approximately $1,920 in state sales tax (6%), $50 in Miami-Dade discretionary surtax (1% capped on the first $5,000), $77.25 title, $225 initial Florida registration, and a Florida-typical $899 dealer doc fee. Total OTD lands near $35,171 before any options. A $9,000 trade would cut the taxable amount to $23,000, saving about $540 in state tax thanks to Florida's trade-in credit.
Florida grants a full trade-in tax credit: you pay the 6% state sales tax (plus the capped county surtax) only on the difference between the new vehicle's price and your trade-in. On a $40,000 purchase with a $15,000 trade-in, you'd owe tax on $25,000 — saving $900 in state tax plus the negligible county portion.
Florida requires title transfer and registration within 30 days of purchase, or a $20 late penalty applies. The dealer handles the paperwork at point of sale via the Electronic Filing System (ETR/ETC). A 10-day temporary tag ($6) bridges the gap until plates arrive.
Florida has no legal cap on dealer documentation fees, and Florida dealers regularly charge $899 to $1,499 — among the highest in the nation. The Florida DMV does require the fee to be disclosed pre-sale, but it can be set at any dollar figure the dealer chooses.
Florida's $225 Initial Registration Fee is a one-time charge that applies to vehicles being registered in Florida for the first time (new cars and out-of-state transfers). It is non-negotiable and not collected on subsequent renewals.
Title fees are $77.25 for new vehicles, $85.25 for used. Florida is a title-holding state for financed vehicles, meaning the lienholder retains the paper title until the loan is paid off — typical processing is 2–4 weeks after payoff.
Florida has no state income tax, which is one reason snowbird buyers register here. But to register in Florida you must be a Florida resident, with a Florida driver's license and proof of residency (utility bill, lease, etc.). Out-of-state registrations are not permitted.
Documentary fee (UNCAPPED): $899–$1,499. Florida is notorious for high uncapped doc fees. Compare across dealers — there's huge variance.
Pre-delivery service charge (PDS): $199–$599. Florida-specific line. Often pads the doc fee. Negotiable in theory; rarely in practice.
Title transfer: $77.25 (new) / $85.25 (used). Includes $1.50 lien fee if financing. Set by state — non-negotiable.
Initial Registration Fee: $225. One-time charge for new-to-Florida vehicles. Statutory; cannot be waived.
Annual registration (weight-based): $27.60–$47.00. Sedans cheaper; trucks and SUVs slightly more.
Temporary tag: $6. Optional 10-day plate while permanent registration processes.
Florida dealers carry heavy inventory year-round to serve snowbirds and rental fleets, but the peak clearance window is June through September — hurricane season — when many coastal dealers offer aggressive incentives to move stock ahead of storms. The September Labor Day and end-of-month combination is one of the best buying windows in the country.
Florida's doc fees vary wildly between dealer groups — AutoNation, Morgan Auto, and Hendrick Florida stores commonly charge $1,099–$1,499; smaller independent dealers can be $599–$899. Always include the doc fee in your apples-to-apples OTD comparison; a 'lower price' dealer with a $1,499 doc fee is rarely the cheaper deal.
Florida is one of the few states where private-party sales avoid the dealer doc fee entirely (you still owe state sales tax at registration). For high-mileage shoppers, a private-party purchase can be $1,000+ cheaper out-the-door than the same vehicle from a dealer.
Watch for 'Florida Lemon Law' aftermarket service contracts and tire-and-wheel protection bundled into Florida finance contracts. They're rarely required and inflate the OTD price by $1,500–$3,000. You can decline every one of them and still get the dealer's advertised rate.
A 2026 Mazda CX-5 2.5 S at $28,770 MSRP runs about $31,500–$32,000 OTD in Florida after 6% state sales tax, $50 county surtax, $77.25 title, $225 initial registration, and a typical $899–$1,099 dealer doc fee. 2.5 S Premium, Premium Plus, and Turbo trims push OTD to $33,000–$42,000.
Florida doesn't cap dealer doc fees. Mazda dealers in Florida (Brickell, Wesley Chapel, AutoNation Mazda) typically charge $899–$1,399. Smaller volume Mazda dealers may run $599–$799. Always include the doc fee in your apples-to-apples OTD comparison — a lower advertised price with a $1,299 doc fee is usually NOT the better deal.
Yes. Florida applies sales tax only on the difference between the CX-5 price and your trade-in. A $9,000 trade against a $32,000 CX-5 drops the taxable amount to $23,000, saving about $540 in state tax plus a small county portion.
Florida's $225 Initial Registration Fee is a statutory one-time charge that applies to vehicles being titled in Florida for the first time (new cars and out-of-state transfers). It's not collected on renewals. Combined with a $77.25 title fee, you'll see roughly $302 in DMV charges on top of state sales tax. This is fixed by statute — non-negotiable.
Hurricane season (June–September) is the strongest window in Florida — coastal Mazda dealers push to clear inventory ahead of storm risk. End of model year (August–October) and the Mazda December holiday push are also reliable. The CX-5 Turbo trims see the deepest cuts because of slower turn rates; the 2.5 S Select and 2.5 S Carbon Edition are higher-volume and harder to mark down.