DuPage County closing costs
The county-specific transfer tax and deed recording fees for DuPage County, Illinois - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.05%
- ≈ $200 on a $400,000 home
- City transfer tax
- 0.3%
- where the city levies its own
- Typical lender + 3rd-party fees
- $6,278
- median of 7,939 purchase loans · HMDA 2023
DuPage County compared with Illinois counties
In the verified Illinois county records we have, DuPage County's effective transfer-tax rate ranks #2 of 5 by highest rate. At $400,000, the county-specific transfer tax is $200, which is $200 below the state-level calculation before city surtaxes.
- County rank
- #2 of 5
- within verified Illinois county pages
- Tax at $400,000
- $200
- state baseline $400
- HMDA fee sample
- 7,939
- purchase loans in 2023
DuPage County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in DuPage County
Illinois imposes a state real-estate transfer tax of $0.50 per $500 (0.001) PLUS a separate county transfer tax of $0.25 per $500 (0.0005); both are customarily paid by the seller and collected by the DuPage County Recorder via revenue stamps at recording. Several DuPage municipalities add their own transfer tax on top — notably the City of Naperville at $1.50 per $500 (0.003), which by ordinance is paid by the BUYER; many other DuPage towns levy no municipal transfer tax, so verify the specific municipality. Deeds cannot be recorded without transfer-tax stamps or a valid exemption stamp.
Recording fees in DuPage County
DuPage County uses a "predictable" (flat) recording fee per document, not a first-page/per-additional-page schedule. Standard documents (deeds, mortgages, leases, easements, etc.) record for a flat $86.00 regardless of page count, effective June 1, 2025 (County Ordinance FI-O-0001-25; previously $76.00). This flat fee bundles the base recording charge plus statutory surcharges: Document Storage System $10, Geographic Information System (GIS) $31, Real Property $1, and Rental Housing Support Program (RHSP) $18 (the Real Property and RHSP fees do not apply to documents recorded by units of government or to public-utility easements). Non-standard documents that do not meet formatting/predictable-fee requirements record at $102.00. Plats/maps up to 30x36 are $100.00 first page plus $2.00 per tract/parcel/lot.
Official recorder: DuPage County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in DuPage County
Across 7,939 home-purchase mortgages originated in DuPage County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $6,278, of which about $1,751 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 17043, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your DuPage County closing costs
Pre-set to Illinois. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in DuPage County?
DuPage County (Illinois): the applicable real-estate transfer tax works out to about 0.05%, before any additional city tax. Illinois imposes a state real-estate transfer tax of $0.50 per $500 (0.001) PLUS a separate county transfer tax of $0.25 per $500 (0.0005); both are customarily paid by the seller and collected by the DuPage County Recorder via revenue stamps at recording. Several DuPage municipalities add their own transfer tax on top — notably the City of Naperville at $1.50 per $500 (0.003), which by ordinance is paid by the BUYER; many other DuPage towns levy no municipal transfer tax, so verify the specific municipality. Deeds cannot be recorded without transfer-tax stamps or a valid exemption stamp.
What are recording fees in DuPage County?
DuPage County uses a "predictable" (flat) recording fee per document, not a first-page/per-additional-page schedule. Standard documents (deeds, mortgages, leases, easements, etc.) record for a flat $86.00 regardless of page count, effective June 1, 2025 (County Ordinance FI-O-0001-25; previously $76.00). This flat fee bundles the base recording charge plus statutory surcharges: Document Storage System $10, Geographic Information System (GIS) $31, Real Property $1, and Rental Housing Support Program (RHSP) $18 (the Real Property and RHSP fees do not apply to documents recorded by units of government or to public-utility easements). Non-standard documents that do not meet formatting/predictable-fee requirements record at $102.00. Plats/maps up to 30x36 are $100.00 first page plus $2.00 per tract/parcel/lot.
How much are closing costs in DuPage County?
Closing costs in DuPage County 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.
What do lenders charge in fees in DuPage County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 7,939 home-purchase mortgages in DuPage County were about $6,278, of which roughly $1,751 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 Illinois county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.