Pasco County closing costs
The county-specific transfer tax and deed recording fees for Pasco County, Florida - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.7%
- ≈ $2,800 on a $400,000 home
- Typical lender + 3rd-party fees
- $7,877
- median of 11,757 purchase loans · HMDA 2023
Pasco County compared with Florida counties
In the verified Florida county records we have, Pasco County's effective transfer-tax rate ranks #1 of 18 by highest rate. At $400,000, the county-specific transfer tax is $2,800, which is the same as the state-level calculation before city surtaxes.
- County rank
- #1 of 18
- within verified Florida county pages
- Tax at $400,000
- $2,800
- state baseline $2,800
- HMDA fee sample
- 11,757
- purchase loans in 2023
Pasco County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Pasco County
Florida levies a STATE documentary stamp tax on deeds of $0.70 per $100 of consideration (rounded up to nearest $100), i.e. ~0.70% — collected by the Pasco County Clerk at recording but imposed under Ch. 201, F.S. (state, not county). Customarily paid by the seller. There is NO separate Pasco County or municipal transfer/excise tax; the only Florida county-level surtax exists in Miami-Dade, which does not apply here, so county_transfer_tax_rate is null.
Recording fees in Pasco County
Deed recording: $10.00 first page; $8.50 each additional page; $1.00 per name indexed after the first four. Copies $1.00/page; certification $2.00/document. (Pasco County Clerk & Comptroller official record fees.)
Official recorder: Pasco County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Pasco County
Across 11,757 home-purchase mortgages originated in Pasco County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $7,877, of which about $3,356 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 12101, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Pasco County closing costs
Pre-set to Florida. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Pasco County?
Pasco County (Florida): the applicable real-estate transfer tax works out to about 0.7%. Florida levies a STATE documentary stamp tax on deeds of $0.70 per $100 of consideration (rounded up to nearest $100), i.e. ~0.70% — collected by the Pasco County Clerk at recording but imposed under Ch. 201, F.S. (state, not county). Customarily paid by the seller. There is NO separate Pasco County or municipal transfer/excise tax; the only Florida county-level surtax exists in Miami-Dade, which does not apply here, so county_transfer_tax_rate is null.
What are recording fees in Pasco County?
Deed recording: $10.00 first page; $8.50 each additional page; $1.00 per name indexed after the first four. Copies $1.00/page; certification $2.00/document. (Pasco County Clerk & Comptroller official record fees.)
How much are closing costs in Pasco County?
Closing costs in Pasco County follow Florida'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 Pasco County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 11,757 home-purchase mortgages in Pasco County were about $7,877, of which roughly $3,356 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 Florida county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.