San Bernardino County closing costs
The county-specific transfer tax and deed recording fees for San Bernardino County, California - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.11%
- ≈ $440 on a $400,000 home
- Typical lender + 3rd-party fees
- $12,092
- median of 15,091 purchase loans · HMDA 2023
San Bernardino County compared with California counties
In the verified California county records we have, San Bernardino County's effective transfer-tax rate ranks #2 of 18 by highest rate. At $400,000, the county-specific transfer tax is $440, which is the same as the state-level calculation before city surtaxes.
- County rank
- #2 of 18
- within verified California county pages
- Tax at $400,000
- $440
- state baseline $440
- HMDA fee sample
- 15,091
- purchase loans in 2023
San Bernardino County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in San Bernardino County
Standard CA state DTT only; no county or city transfer tax add-on; seller customarily pays in CA.
Recording fees in San Bernardino County
Per the official San Bernardino County Recorder-County Clerk fee schedule (effective 07-01-2026): First page of a title NOT subject to the Real Estate Fraud Fee = $14.00; first page of a title subject to the Real Estate Fraud Fee (most deeds/deeds of trust) = $24.00 (includes the $10 GC27388 fraud fee). Each additional page = $3.00. Non-conforming page size (other than 8.5x11) = $3.00 per page; penalty (small) print = $1.00 per page. SB2 'Building Homes and Jobs Act' fee = $75.00 per title, per document (max $225.00 per transaction). AB1466 Restrictive Covenant Modification fee = $2.00 per title. Documentary Transfer Tax = $0.55 per $500. Other possible add-ons: $20.00 if recorded without a Preliminary Change of Ownership Report (PCOR); $10.00 Survey Monument Preservation Fund (where applicable); $1.00 per additional indexing reference/name group.
Official recorder: San Bernardino County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in San Bernardino County
Across 15,091 home-purchase mortgages originated in San Bernardino County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $12,092, of which about $5,520 was the lender’s own origination charges. That is reported loan-level data from every lender under the Home Mortgage Disclosure Act — not a national average — so it reflects what buyers in this county actually paid. Lender fees vary widely, so comparing a few rate quotes is the single biggest lever on your closing total.
Source: FFIEC HMDA Data Browser ↗ (2023 purchase originations, FIPS 06071, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your San Bernardino County closing costs
Pre-set to California. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in San Bernardino County?
San Bernardino County (California): the applicable real-estate transfer tax works out to about 0.11%. Standard CA state DTT only; no county or city transfer tax add-on; seller customarily pays in CA.
What are recording fees in San Bernardino County?
Per the official San Bernardino County Recorder-County Clerk fee schedule (effective 07-01-2026): First page of a title NOT subject to the Real Estate Fraud Fee = $14.00; first page of a title subject to the Real Estate Fraud Fee (most deeds/deeds of trust) = $24.00 (includes the $10 GC27388 fraud fee). Each additional page = $3.00. Non-conforming page size (other than 8.5x11) = $3.00 per page; penalty (small) print = $1.00 per page. SB2 'Building Homes and Jobs Act' fee = $75.00 per title, per document (max $225.00 per transaction). AB1466 Restrictive Covenant Modification fee = $2.00 per title. Documentary Transfer Tax = $0.55 per $500. Other possible add-ons: $20.00 if recorded without a Preliminary Change of Ownership Report (PCOR); $10.00 Survey Monument Preservation Fund (where applicable); $1.00 per additional indexing reference/name group.
How much are closing costs in San Bernardino County?
Closing costs in San Bernardino County follow California's structure plus this county's specific transfer-tax and recording fees. Use the calculator below for an estimate; for the exact recording schedule, the county recorder is the authoritative source.
What do lenders charge in fees in San Bernardino County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 15,091 home-purchase mortgages in San Bernardino County were about $12,092, of which roughly $5,520 was the lender's own origination charges. This is reported loan-level data under the Home Mortgage Disclosure Act; actual fees vary by lender, so comparing quotes matters.
Closest California county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.