Ada County closing costs
The county-specific transfer tax and deed recording fees for Ada County, Idaho - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- none
- ≈ $0 on a $400,000 home
- Typical lender + 3rd-party fees
- $8,564
- median of 5,651 purchase loans · HMDA 2023
Ada County compared with Idaho counties
In the verified Idaho county records we have, Ada County's effective transfer-tax rate ranks #1 of 1 by highest rate. At $400,000, the county-specific transfer tax is $0, which is the same as the state-level calculation before city surtaxes.
- County rank
- #1 of 1
- within verified Idaho county pages
- Tax at $400,000
- $0
- state baseline $0
- HMDA fee sample
- 5,651
- purchase loans in 2023
Ada County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Ada County
Idaho is a NO-transfer-tax state: there is no state, county, or municipal real estate transfer/excise/conveyance tax or documentary stamp. Idaho law (intent of legislature) is to not impose any form of real estate transfer or excise tax by the state or any political subdivision. Closing costs therefore consist of recording fees, title insurance, escrow, and lender fees only. Recording fees are statutory and uniform statewide under Idaho Code 31-3205 — Ada County charges the same as every other Idaho county. Who pays: recording of the deed is customarily paid by the seller (or split per contract); the buyer/borrower pays recording for the deed of trust/mortgage. Note: Idaho requires a Declaration of Value / consideration disclosure for residential transfers to the county recorder, but this is informational and carries no tax. Ada County Recorder is at 200 W Front St., Boise, ID 83702; phone (208) 287-6840.
Recording fees in Ada County
Fees set uniformly statewide by Idaho Code 31-3205 (applies to all counties including Ada). Documents 30 pages or less: Deeds/grants/conveyances of real property = $15 flat; Trust deeds/mortgages (incl. fixture filings, security agreements, assignments of leases/rents in same instrument) = $45 flat; Reconveyances of trust deeds and releases of mortgages = $15 flat. Documents over 30 pages: $10 for the first page + $3 for each additional page. Idaho has NO real estate transfer/excise/documentary stamp tax at the state, county, or city level.
Official recorder: Ada County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Ada County
Across 5,651 home-purchase mortgages originated in Ada County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $8,564, of which about $5,016 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 16001, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Ada County closing costs
Pre-set to Idaho. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Ada County?
Ada County (Idaho): the applicable real-estate transfer tax works out to about none. Idaho is a NO-transfer-tax state: there is no state, county, or municipal real estate transfer/excise/conveyance tax or documentary stamp. Idaho law (intent of legislature) is to not impose any form of real estate transfer or excise tax by the state or any political subdivision. Closing costs therefore consist of recording fees, title insurance, escrow, and lender fees only. Recording fees are statutory and uniform statewide under Idaho Code 31-3205 — Ada County charges the same as every other Idaho county. Who pays: recording of the deed is customarily paid by the seller (or split per contract); the buyer/borrower pays recording for the deed of trust/mortgage. Note: Idaho requires a Declaration of Value / consideration disclosure for residential transfers to the county recorder, but this is informational and carries no tax. Ada County Recorder is at 200 W Front St., Boise, ID 83702; phone (208) 287-6840.
What are recording fees in Ada County?
Fees set uniformly statewide by Idaho Code 31-3205 (applies to all counties including Ada). Documents 30 pages or less: Deeds/grants/conveyances of real property = $15 flat; Trust deeds/mortgages (incl. fixture filings, security agreements, assignments of leases/rents in same instrument) = $45 flat; Reconveyances of trust deeds and releases of mortgages = $15 flat. Documents over 30 pages: $10 for the first page + $3 for each additional page. Idaho has NO real estate transfer/excise/documentary stamp tax at the state, county, or city level.
How much are closing costs in Ada County?
Closing costs in Ada County follow Idaho'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 Ada County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 5,651 home-purchase mortgages in Ada County were about $8,564, of which roughly $5,016 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.