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San Diego County closing costs

The county-specific transfer tax and deed recording fees for San Diego County, California — the local details that change your total beyond the statewide rate.

Source-verified · 2026-Q2FIPS 06073 Official source ↗
Effective transfer tax
0.11%
≈ $440 on a $400,000 home

Transfer tax in San Diego County

Seller customarily pays.

Recording fees in San Diego County

County documentary transfer tax $1.10/$1,000. Recording first page $25, $3 each additional page, plus possible $75 SB2 fee. Most San Diego cities do not levy an additional city transfer tax.

Official recorder: San Diego County recorder ↗ — the authoritative source for the current recording fee schedule.

Estimate your San Diego County closing costs

Pre-set to California. County-level taxes above may add to this estimate.

$
%

Estimated closing costs

$9,323

≈ 2.33% of the home price · excludes your down payment

Cash to close

$89,323

incl. down payment

Line-by-line breakdown

Transfer tax (buyer share) $0
Deed & mortgage recording fees $100
Owner's title insurance $2,000
Lender's title insurance $1,120
Lender fees (origination, underwriting, processing) $2,500
Appraisal $550
Credit report & flood cert $70
Home inspection $450
Homeowners insurance (first year) $1,800
Property-tax escrow (~2 months) $733

Frequently asked questions

What is the transfer tax in San Diego County?

San Diego County (California): the applicable real-estate transfer tax works out to about 0.11%. Seller customarily pays.

What are recording fees in San Diego County?

County documentary transfer tax $1.10/$1,000. Recording first page $25, $3 each additional page, plus possible $75 SB2 fee. Most San Diego cities do not levy an additional city transfer tax.

How much are closing costs in San Diego County?

Closing costs in San Diego 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.

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