Cobb County closing costs
The county-specific transfer tax and deed recording fees for Cobb County, Georgia - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.1%
- ≈ $400 on a $400,000 home
- Typical lender + 3rd-party fees
- $7,594
- median of 7,941 purchase loans · HMDA 2023
Cobb County compared with Georgia counties
In the verified Georgia county records we have, Cobb County's effective transfer-tax rate ranks #1 of 4 by highest rate. At $400,000, the county-specific transfer tax is $400, which is the same as the state-level calculation before city surtaxes.
- County rank
- #1 of 4
- within verified Georgia county pages
- Tax at $400,000
- $400
- state baseline $400
- HMDA fee sample
- 7,941
- purchase loans in 2023
Cobb County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Cobb County
No county- or city-level transfer tax exists in Georgia. Georgia levies a single STATEWIDE real estate transfer tax (O.C.G.A. 48-6-1) of $1 for the first $1,000 plus $0.10 per additional $100 (= $1.00 per $1,000 = 0.001 of price); seller is statutorily liable though contracts often shift it to the buyer. It is collected via the PT-61 form by the Cobb County Clerk of Superior Court and then distributed among state/county/municipalities, but the rate is fixed by the state with no local add-on. Separately, GA charges an intangible recording (mortgage) tax of $1.50 per $500 of loan amount (0.30%, capped at $25,000), also collected by the Clerk — that is a loan tax, not a sale-price transfer tax.
Recording fees in Cobb County
Flat $25.00 to record a deed (and $25.00 each for security deeds, assignments, separate cancellations, lien recordings/cancellations, UCC filings), per Georgia HB 288 / O.C.G.A. 15-6-77, effective Jan 1, 2020 — a statewide predictable flat-fee structure identical across all 159 GA counties. Plain copies $1.00/page; certified copies $2.50 first page + $1.00/page thereafter.
Official recorder: Cobb County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Cobb County
Across 7,941 home-purchase mortgages originated in Cobb County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $7,594, of which about $4,098 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 13067, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Cobb County closing costs
Pre-set to Georgia. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Cobb County?
Cobb County (Georgia): the applicable real-estate transfer tax works out to about 0.1%. No county- or city-level transfer tax exists in Georgia. Georgia levies a single STATEWIDE real estate transfer tax (O.C.G.A. 48-6-1) of $1 for the first $1,000 plus $0.10 per additional $100 (= $1.00 per $1,000 = 0.001 of price); seller is statutorily liable though contracts often shift it to the buyer. It is collected via the PT-61 form by the Cobb County Clerk of Superior Court and then distributed among state/county/municipalities, but the rate is fixed by the state with no local add-on. Separately, GA charges an intangible recording (mortgage) tax of $1.50 per $500 of loan amount (0.30%, capped at $25,000), also collected by the Clerk — that is a loan tax, not a sale-price transfer tax.
What are recording fees in Cobb County?
Flat $25.00 to record a deed (and $25.00 each for security deeds, assignments, separate cancellations, lien recordings/cancellations, UCC filings), per Georgia HB 288 / O.C.G.A. 15-6-77, effective Jan 1, 2020 — a statewide predictable flat-fee structure identical across all 159 GA counties. Plain copies $1.00/page; certified copies $2.50 first page + $1.00/page thereafter.
How much are closing costs in Cobb County?
Closing costs in Cobb County follow Georgia'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 Cobb County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 7,941 home-purchase mortgages in Cobb County were about $7,594, of which roughly $4,098 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 Georgia county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.