Kane County closing costs
The county-specific transfer tax and deed recording fees for Kane County, Illinois - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.05%
- ≈ $200 on a $400,000 home
- Typical lender + 3rd-party fees
- $6,379
- median of 5,251 purchase loans · HMDA 2023
Kane County compared with Illinois counties
In the verified Illinois county records we have, Kane 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
- 5,251
- purchase loans in 2023
Kane County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Kane County
Illinois imposes a county real estate transfer tax of $0.25 per $500 of consideration (= 0.0005 of price) under 35 ILCS 200/31-25, applicable in all counties including Kane; this is ON TOP of the state transfer tax of $0.50 per $500 (0.001, rising to $0.75 per $500 effective July 1, 2026). By Illinois custom the SELLER pays both the state and county transfer tax via revenue stamps. Some municipalities in Kane County (e.g., parts of Aurora/Elgin) may levy their own municipal transfer tax, but no Kane County city transfer tax was confirmed from an official .gov source, so city rate left null.
Recording fees in Kane County
Flat predictable recording fee of $99.00 to record a standard real-estate-related document (e.g., a deed), effective October 1, 2024. Non-real-estate documents are $80.00. Fee is all-inclusive (predictable fee per 55 ILCS 5/3-5018) and includes the Recorder's Document Storage Fund $3, GIS fee, and Rental Housing Support Program surcharge; these surcharges are not doubled for non-conforming documents. Payment by cash or check only (no $100 bills).
Official recorder: Kane County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Kane County
Across 5,251 home-purchase mortgages originated in Kane County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $6,379, of which about $1,967 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 17089, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Kane 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 Kane County?
Kane County (Illinois): the applicable real-estate transfer tax works out to about 0.05%. Illinois imposes a county real estate transfer tax of $0.25 per $500 of consideration (= 0.0005 of price) under 35 ILCS 200/31-25, applicable in all counties including Kane; this is ON TOP of the state transfer tax of $0.50 per $500 (0.001, rising to $0.75 per $500 effective July 1, 2026). By Illinois custom the SELLER pays both the state and county transfer tax via revenue stamps. Some municipalities in Kane County (e.g., parts of Aurora/Elgin) may levy their own municipal transfer tax, but no Kane County city transfer tax was confirmed from an official .gov source, so city rate left null.
What are recording fees in Kane County?
Flat predictable recording fee of $99.00 to record a standard real-estate-related document (e.g., a deed), effective October 1, 2024. Non-real-estate documents are $80.00. Fee is all-inclusive (predictable fee per 55 ILCS 5/3-5018) and includes the Recorder's Document Storage Fund $3, GIS fee, and Rental Housing Support Program surcharge; these surcharges are not doubled for non-conforming documents. Payment by cash or check only (no $100 bills).
How much are closing costs in Kane County?
Closing costs in Kane 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 Kane County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 5,251 home-purchase mortgages in Kane County were about $6,379, of which roughly $1,967 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.