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San Francisco County closing costs

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

Source-verified · 2026-Q2FIPS 06075 Official source ↗
Effective transfer tax
0.68%
≈ $2,720 on a $400,000 home

Transfer tax in San Francisco County

Seller customarily pays. SF imposes a single combined city-and-county transfer tax (no separate county DTT applies within the city).

Recording fees in San Francisco County

San Francisco's transfer tax is graduated: roughly $6.80/$1,000 up to $1M, rising to 5.50%–6.00% on sales above $10M. Recording fee first page ~$26 plus per-page charges.

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

Estimate your San Francisco 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 Francisco County?

San Francisco County (California): the applicable real-estate transfer tax works out to about 0.68%. Seller customarily pays. SF imposes a single combined city-and-county transfer tax (no separate county DTT applies within the city).

What are recording fees in San Francisco County?

San Francisco's transfer tax is graduated: roughly $6.80/$1,000 up to $1M, rising to 5.50%–6.00% on sales above $10M. Recording fee first page ~$26 plus per-page charges.

How much are closing costs in San Francisco County?

Closing costs in San Francisco 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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