Closing costs in Connecticut
What a buyer or seller pays at the closing table in Connecticut — the real transfer-tax rate, recording fees, title-insurance method and attorney rules, plus a calculator that uses Connecticut's actual rates.
- Transfer tax
- 0.75%
- customarily seller-paid
- Recording fee (deed)
- ~$15
- charged per page of the document
- Title insurance
- filed
- ~$5.00 / $1,000
- Attorney at closing
- Required
Connecticut in the national transfer-tax dataset
0.75%, #7 of 51 nationally; at $400,000, that is $2,360 above the median $640 tax at $400,000. The comparison uses the 51 source-verified state and DC records in the TallyClose dataset; null transfer-tax states count as 0% rather than being filled with an estimate.
- National rank
- #7 of 51
- highest state transfer-tax rate first
- Median-state tax at $400,000
- $640
- Connecticut: $3,000
- County coverage
- 0
- 0 with a city-tax field
Connecticut transfer-tax data: official source linked on this page, reviewed 2026-Q2.
How closing costs work in Connecticut
The biggest closing-cost variable in Connecticut is the real-estate transfer tax, which here is 0.75% and is customarily seller-paid. Connecticut's state conveyance tax is graduated: 0.75% on the first $800,000 of the sale price, 1.25% on $800,001–$2,500,000, and 2.25% above $2,500,000 (residential). Municipalities add a local conveyance tax of 0.25% (cga.ct.gov chap.223). The seller pays. Recording fee: $10 base + $5 per page under CGS § 7-34a; a typical deed is approximately $15.
On a $400,000 home, the state-level transfer tax works out to roughly $3,000 , before any county or city add-ons. County recording fees are charged per page of the document and run around $15 for the deed.
For title insurance, Connecticut title-insurance rates are filed with the state and broadly similar between companies, though you can sometimes shop. Connecticut is also an "attorney state": a licensed attorney must be involved in the closing, which adds an attorney fee that title-only states don't have. Lenders here typically charge $1,400–$3,200 in origination and processing fees, and 2 months of property-tax escrow is commonly collected at closing.
Statute: Conn. Gen. Stat. § 12-494 et seq. (conveyance tax); § 7-34a (recording fee). Official source ↗
Connecticut closing cost calculator
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Frequently asked questions
How much are closing costs in Connecticut?
In Connecticut, buyer closing costs typically run about 2%–5% of the purchase price. The state-specific pieces are the transfer tax (0.75%, customarily seller-paid), county recording fees (charged per page of the document, around $15), and title insurance. Connecticut also requires an attorney at closing, which adds a fee. Use the calculator above for your price.
What is the transfer tax in Connecticut?
Connecticut's real-estate transfer tax is 0.75% and is customarily seller-paid. Connecticut's state conveyance tax is graduated: 0.75% on the first $800,000 of the sale price, 1.25% on $800,001–$2,500,000, and 2.25% above $2,500,000 (residential). Municipalities add a local conveyance tax of 0.25% (cga.ct.gov chap.223). The seller pays. Recording fee: $10 base + $5 per page under CGS § 7-34a; a typical deed is approximately $15.
Who pays closing costs in Connecticut?
Both buyer and seller pay different items. The transfer tax in Connecticut is customarily seller-paid. Buyers generally cover lender fees, the appraisal, lender's title insurance and prepaids; sellers generally cover the agent commission and, in most states, the bulk of the transfer tax. Everything is negotiable in the contract.
Do I need an attorney to close in Connecticut?
Yes. Connecticut is an "attorney state" — a licensed attorney must conduct or oversee the real-estate closing, which adds an attorney fee to your costs.
Closest transfer-tax comparisons
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