Real Estate Transfer Tax Varies Wildly by State
Unlike a single national tax, the real estate transfer tax in the U.S. is set at the state, county, and sometimes city level — so the same home price can trigger very different closing costs depending on where you buy. States like Texas and Montana charge nothing at all, while New York and Pennsylvania combine state and local rates that can exceed 1.5–2% of the sale price. On top of the base rate, some cities layer additional fees, and high-value sales in places like New York City can trigger a separate "mansion tax." This calculator uses typical published rates for a few major states as a starting point, but you should always confirm the exact combined rate with your county recorder or closing attorney before budgeting.
Typical State Transfer Tax Rates
| State | Typical Rate |
|---|---|
| New York | ~1.40% (+ mansion tax over $1M) |
| Pennsylvania | ~2.00% combined |
| Washington | 1.28% + local add-on |
| Texas | No state transfer tax |
This is a simplified estimate for reference only, using typical published rates. It does not include recording fees, title insurance, or other closing costs, and actual local rates may differ.
Frequently Asked Questions
A fee charged when property ownership changes hands, usually a percentage of the sale price, paid at closing.
Texas, Idaho, Missouri, Mississippi, Louisiana, Montana, New Mexico, North Dakota, Wyoming, and Alaska generally don't charge one at the state level.
Yes, many cities add their own transfer tax, and some charge a mansion tax on homes over $1 million. Confirm the total with your closing attorney.
※ Rates shown are typical estimates for reference only and can vary by county or city. Confirm exact rates locally before closing.