Closing costs in Georgia
What a buyer or seller pays at the closing table in Georgia — the real transfer-tax rate, recording fees, title-insurance method and attorney rules, plus a calculator that uses Georgia's actual rates.
- Transfer tax
- 0.1%
- customarily seller-paid
- Recording fee (deed)
- ~$25
- a flat fee per document
- Title insurance
- filed
- ~$3.75 / $1,000
- Attorney at closing
- Required
Georgia in the national transfer-tax dataset
0.1%, #29 of 51 nationally; at $400,000, that is $240 below 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
- #29 of 51
- highest state transfer-tax rate first
- Median-state tax at $400,000
- $640
- Georgia: $400
- County coverage
- 4
- 0 with a city-tax field
Georgia transfer-tax data: official source linked on this page, reviewed 2026-Q2.
How closing costs work in Georgia
The biggest closing-cost variable in Georgia is the real-estate transfer tax, which here is 0.1% and is customarily seller-paid. Georgia's real-estate transfer tax is $1.00 per $1,000 of price (0.10%), one of the lowest in the country, paid by the seller. Buyers who take a mortgage pay a separate intangibles tax of $1.50 per $500 on the loan amount. Georgia is an 'attorney state' — a licensed attorney must conduct the closing.
On a $400,000 home, the state-level transfer tax works out to roughly $400 , before any county or city add-ons. County recording fees are a flat fee per document and run around $25 for the deed.
For title insurance, Georgia title-insurance rates are filed with the state and broadly similar between companies, though you can sometimes shop. Georgia 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–$3,000 in origination and processing fees, and 2 months of property-tax escrow is commonly collected at closing.
Statute: O.C.G.A. § 48-6-1 (real estate transfer tax). Official source ↗
Georgia closing cost calculator
Pre-set to Georgia. Adjust your price, down payment and loan type.
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Counties in Georgia
County and city taxes can change the total significantly. Open a county for its precise rate.
Frequently asked questions
How much are closing costs in Georgia?
In Georgia, buyer closing costs typically run about 2%–5% of the purchase price. The state-specific pieces are the transfer tax (0.1%, customarily seller-paid), county recording fees (a flat fee per document, around $25), and title insurance. Georgia also requires an attorney at closing, which adds a fee. Use the calculator above for your price.
What is the transfer tax in Georgia?
Georgia's real-estate transfer tax is 0.1% and is customarily seller-paid. Georgia's real-estate transfer tax is $1.00 per $1,000 of price (0.10%), one of the lowest in the country, paid by the seller. Buyers who take a mortgage pay a separate intangibles tax of $1.50 per $500 on the loan amount. Georgia is an 'attorney state' — a licensed attorney must conduct the closing.
Who pays closing costs in Georgia?
Both buyer and seller pay different items. The transfer tax in Georgia 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 Georgia?
Yes. Georgia 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
Algorithmic neighbors by verified transfer-tax rate, not a static related-links block.
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