Cook County (Chicago) closing costs
The county-specific transfer tax and deed recording fees for Cook County (Chicago), Illinois — the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.15%
- ≈ $600 on a $400,000 home
Transfer tax in Cook County (Chicago)
Chicago's municipal transfer tax dominates the closing cost — and the buyer pays the larger share, unusual for Illinois.
Recording fees in Cook County (Chicago)
State $0.50/$500 + Cook County $0.25/$500. The City of Chicago adds its own transfer tax of $5.25 per $500 (the $3.75 city portion is buyer-paid; the $1.50 CTA portion seller-paid). Recording via the Cook County Clerk.
Official recorder: Cook County (Chicago) recorder ↗ — the authoritative source for the current recording fee schedule.
Estimate your Cook County (Chicago) closing costs
Pre-set to Illinois. County-level taxes above may add to this estimate.
Estimated closing costs
$9,851
≈ 2.46% of the home price · excludes your down payment
Cash to close
$89,851
incl. down payment
Line-by-line breakdown
Frequently asked questions
What is the transfer tax in Cook County (Chicago)?
Cook County (Chicago) (Illinois): the applicable real-estate transfer tax works out to about 0.15%. Chicago's municipal transfer tax dominates the closing cost — and the buyer pays the larger share, unusual for Illinois.
What are recording fees in Cook County (Chicago)?
State $0.50/$500 + Cook County $0.25/$500. The City of Chicago adds its own transfer tax of $5.25 per $500 (the $3.75 city portion is buyer-paid; the $1.50 CTA portion seller-paid). Recording via the Cook County Clerk.
How much are closing costs in Cook County (Chicago)?
Closing costs in Cook County (Chicago) follow Illinois'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.