Updated November 2026. For Tampa owners comparing a 1% listing fee with listing on Stellar MLS themselves.
A 1% listing fee on the typical $375,600 Tampa home is $3,756, paid at closing. As of November 2026, a flat fee broker can put the same home on Stellar MLS, the MLS for the Tampa Bay area, for a set price instead. Beycome Basic is from $99 in most states (see the Florida page), with $0 due to Beycome at closing. Florida’s deed stamps add $2,629.20 either way.
The 1% is an example rate. Commissions are not set by law or NAR rules and are negotiable. See Florida flat fee MLS packages to compare with a quote you already have.
Jump to: 💲 1% vs flat fee · 📍 Stellar MLS · 🪜 Steps · 📸 Photo rules · 💲 Costs · 🤝 Showings · ❓ FAQ
Key takeaways
- Stellar MLS (formerly My Florida Regional MLS) serves 84,000 customers and covers Tampa and Hillsborough County.
- A 1% listing fee on $375,600 is $3,756. A flat fee listing on Stellar MLS starts at $99 upfront.
- Tampa’s typical home value was $375,600 in September 2026, up 0.4% in a year (Zillow).
- Florida deed stamps are $0.70 per $100 outside Miami-Dade, so $2,629.20 on $375,600.
- Since August 17, 2024, buyers touring with an MLS agent must first sign a written agreement with that agent.
What does a 1% listing fee get you, compared with a flat fee MLS listing?
A 1% listing agent usually does more of the work. A flat fee listing gives you the same MLS and leaves the rest to you, with help where you add it. Here’s the split on the typical Tampa home.
| Item | 1% listing agent (example) | Beycome flat fee listing |
|---|---|---|
| Listing fee on $375,600 | $3,756 at closing | From $99 upfront, $0 at closing |
| Stellar MLS and the major home search sites | Yes | Yes |
| Pricing advice | From the agent | Free home value tool; you set the price |
| Showings | Agent or lockbox, by agreement | You approve each request in ShowingTime |
| Offers and negotiation | Agent works the offers with you | Artur AI on Basic and Enhanced; an expert with you on Concierge |
| Contracts and e-sign | Agent’s forms | Florida forms and e-sign in your dashboard |
Neither path is wrong. If you’d rather hand off showings and offers, a 1% agent may be worth the fee. If you’re comfortable running them, the flat fee keeps the difference in your pocket.
Which MLS covers Tampa?
Stellar MLS. It’s the MLS Tampa agents use, and Beycome’s Tampa page lists it as the MLS your listing goes on. You may still see its older name, My Florida Regional MLS, in old articles. It’s the same system, not two separate MLSs.
Stellar says it serves 84,000 customers. It also runs bilingual support six days a week for its members. Those members are agents and brokers, not homeowners, which is why you need a broker to enter your listing.
Once your home is on Stellar, the listing feeds the big home search sites. Buyer’s agents also get automatic alerts when a new listing matches their client’s search. That matters: NAR’s 2025 Profile of Home Buyers and Sellers found 88% of buyers used an agent or broker.
Want a list of the companies that list on Stellar? Our Tampa Bay flat fee MLS rankings compare them side by side.
How do you list your house on the MLS in Florida without a realtor?
Through a licensed flat fee broker, who enters it on your local MLS. In Tampa that’s Stellar MLS. Here are the steps, in the order Tampa sellers meet them.
1. Confirm who must sign
Everyone on the deed signs the listing agreement and the sale contract. If the home is in a trust, an estate or an LLC, have the paperwork that shows who can sign. Title companies ask for it early, so sort it out first.
2. Check your property record
Buyers and agents compare your listing with the county record. Look up your home on the Hillsborough County Property Appraiser site. Make sure the square footage, year built and lot size match what you’ll enter. Our note on the Florida property tax number shows where to find your folio.
3. Gather your disclosures
Florida requires a flood disclosure at or before the time the contract is signed, under section 689.302, Florida Statutes. It asks whether you know of flooding that damaged the home while you owned it, and whether you filed a flood claim or got FEMA help. A radon notice and, for most pre-1978 homes, a lead paint disclosure also apply. Read about radon in Florida homes.
4. Set your price
Look at homes like yours that sold in the last few months, not at asking prices. Our Beycome home value tool gives a free starting range.
5. Pick a flat fee broker and submit
You fill in the listing form, upload photos and sign the listing agreement. The broker checks the data and enters it on Stellar. With Beycome, a complete, correct file goes live within 2 business days, often in a few hours.
6. Answer showings and offers
Expect calls from buyer’s agents in the first week. Offers in Florida often come on a standard Florida purchase form. Our guide to Florida FSBO contracts explains the key terms.
What are Stellar MLS’s photo rules?
Photos sell the showing, and Stellar has firm rules, from photos to its Coming Soon rules for sellers. Its photo rules page says photo violations are among the issues most often reported to its compliance team. Here’s what stands out.
- Photos must show a true and accurate picture of the property.
- Photos or tours with people in them, including people in costume, aren’t allowed.
- A pool doesn’t count as a “water view” photo.
- Floor plans can be added as an image.
Virtual staging is allowed, within limits. You can change furniture that won’t stay and brighten dark photos. You can’t change paint colors, swap permanent fixtures, add plants outside or hide flaws.
Beycome Basic includes the maximum number of photos the MLS allows, for the longest term the state and MLS allow. Pro photos are a $189 add-on on Basic, and Enhanced ($399) includes a photo shoot. For tips, see how to improve your listing photos.
What does it cost to sell a Tampa home by owner?
Here’s a simple cost picture on the typical Tampa home. Your real numbers depend on your contract.
| Cost | How it’s figured | On $375,600 |
|---|---|---|
| Beycome Basic MLS listing | Flat fee, upfront | From $99 in most states |
| Due to Beycome at closing | Nothing | $0 |
| Deed stamps (documentary stamp tax) | $0.70 per $100 | $2,629.20 |
| Beycome Title settlement fee | $99 when prepaid on beycome.com | $99 |
| Title insurance, recording, prorated taxes | Varies | Ask for a quote |
| Buyer’s agent pay, if you offer any | Your choice, negotiated | $0 if you don’t |
The deed stamp rate is from the Florida Department of Revenue. In all counties except Miami-Dade, it’s 70 cents per $100 of the price. Who pays it is set in the contract.
How does a 1% listing fee compare in dollars?
Some Tampa brokers charge a 1% listing fee. On $375,600, that’s $3,756 at closing, compared with a flat fee from $99 upfront. A 1% agent may do more for you, like pricing, showings and negotiation. A flat fee listing leaves those jobs to you.
Sell smarter
List your home on the MLS from $99
A flat fee instead of a percentage, and $0 to Beycome at closing. You stay in control of your sale.
Sell your home →Buy smarter
Get up to 2% back at closing
On homes listed by other agents, Beycome credits you up to 2% of the price at closing (1% kept, $1,499 minimum; not on FSBO homes or homes listed by Beycome sellers).
Buy a home →The 1% figure is an example only. Real estate commissions are not set by law or by NAR rules and are fully negotiable. Sellers choose whether to offer a buyer’s agent any compensation, and how much. Since August 17, 2024, those offers can’t be shown on the MLS. Read more about 1% commission agents and their alternatives.
What is a Florida showing agreement?
Since August 17, 2024, agents who use an MLS must sign a written agreement with a buyer before touring a home with them. That’s from the NAR settlement practice changes, per NAR’s settlement facts page. The agreement must state the agent’s pay in clear terms, like a flat fee or a percent, and say fees are negotiable.
Stellar MLS even has a page to report a buyer broker agreement violation. For you as a seller, it means most agents who show your home already have a signed deal with their buyer. Ask early whether the buyer expects you to pay any of their agent’s fee. You can say yes, no, or offer a credit toward closing costs.
Many sellers prefer to answer that only when an offer comes in. Either way, put any agreement with the buyer’s agent in writing.
How do you handle showings in Tampa without an agent?
Most showing requests come from agents through the MLS. On every Beycome package, ShowingTime scheduling is included where the MLS offers it. You approve or decline each request from your phone.
For a vacant home, an agent-accessible lockbox lets showings happen while you’re away. For an occupied home, set fixed windows, like weekday evenings and weekend afternoons. Hot summer afternoons are hard on buyers, so leave the AC on.
Want an expert with you? Beycome Concierge (see current price) adds an expert who works with you on offers and coordinates the sale, always on your side, and you stay in control of every decision.
Which for sale by owner MLS listing companies work in Florida?
Several flat fee brokers list Florida homes on Stellar MLS, and their totals differ once closing fees are added. Our Tampa Bay flat fee MLS rankings compare them side by side. If you need to sell your house in Florida outside Tampa Bay, the steps are the same and only the MLS changes: Miami MLS in Miami, realMLS in Jacksonville, Beaches MLS in Broward and Palm Beach. Our guide to what it costs to list on the MLS shows the price ranges.
Who closes a Tampa FSBO sale?
A Florida title company or attorney holds the deposit and runs the closing. For the full process, see how to sell your house by owner in Florida. Beycome Title closes Florida sales with a $99 settlement fee when prepaid on beycome.com, and Texas sales for $299. It also closes in Michigan, Ohio, Illinois and Indiana.
Ready to start? See the Tampa flat fee MLS page for local numbers, or compare flat fee MLS listing packages in Florida. Buying your next home in the area? Our buyer program has no upfront fee.
Frequently asked questions
What MLS is used in Tampa, Florida?
Stellar MLS, formerly called My Florida Regional MLS. It covers Tampa and Hillsborough County.
How much is flat fee MLS in Tampa?
Beycome Basic is from $99 in most states (see the Florida page), with $0 due to Beycome at closing, as of November 2026. Other companies charge more upfront or add a fee at closing.
What is a 1% listing fee in real estate?
A listing commission of 1% of the sale price, paid to the listing broker at closing. On $375,600 it’s $3,756. Rates are negotiable and not set by law.
Is a 1% listing fee worth it in Tampa?
It depends on how much help you want. A 1% agent usually handles showings and offers. A flat fee listing gives the same MLS for less, and you do more yourself.
Can I list my Florida home on the MLS by owner?
Yes, through a licensed flat fee broker who enters the listing for you. You still handle showings and offers, or you can pay for help.
What is a Florida real estate showing agreement?
A written agreement a buyer signs with an MLS agent before touring a home, required since August 17, 2024. It states what the agent is paid.
How much are deed stamps on a Tampa home sale?
$0.70 per $100 of the price, so $2,629.20 on a $375,600 home.
Does Stellar MLS allow virtual staging?
Yes, within limits. You can change furniture that won’t stay, but not paint colors, fixtures or flaws.
Do I need a realtor to sell my house in Tampa?
No, it’s not required; it’s your choice. An agent handles the sale for a commission. With a flat fee listing, you handle the sale and pay a set fee.
Prices as of November 2026. Basic is from $99 in most states (see your state page); Concierge pricing is on the Concierge page. “$0 at closing” means no Beycome fee at closing; deed stamps, title insurance, recording fees, prorated taxes and any agreed buyer-agent compensation still apply.
Listing term is the maximum the state and MLS allow (24 months, or 12 in Maryland and Pennsylvania). Cancel free means no cancellation fee, not a refund; there’s no refund once the listing is live, and listings under contract can’t be canceled. The 2-business-day go-live time doesn’t include a photo shoot.
Beycome Title: Florida, Texas, Michigan, Ohio, Illinois and Indiana. The $99 Florida fee applies when prepaid on beycome.com. Home value is Zillow’s typical home value for Tampa, September 2026, an estimate. General information, not legal advice; rules vary by MLS.
Sources
- Stellar MLS home page, read October 22, 2026.
- Stellar MLS, photo rules and virtual staging, read October 22, 2026.
- Florida Department of Revenue, documentary stamp tax, read October 22, 2026.
- Section 689.302, Florida Statutes, flood disclosure, read October 22, 2026.
- NAR, what the settlement means for buyers and sellers, read October 22, 2026.
- NAR, 2025 Profile of Home Buyers and Sellers, read October 22, 2026.
- Zillow Research, Zillow Home Value Index, September 2026.
- Beycome Title, Florida settlement fee, read October 22, 2026.
- Beycome, Tampa flat fee MLS page and listing package features, November 2026.
- Beycome internal data, November 2026 (Florida MLS coverage).
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Articles are provided for general informational and educational purposes only, not as financial, tax, legal, or investment advice or a recommendation for your particular situation. Reading this blog does not create a brokerage, advisory, or other professional relationship.
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