Montgomery County closing costs
The county-specific transfer tax and deed recording fees for Montgomery County, Maryland - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 1.5%
- ≈ $6,000 on a $400,000 home
- Typical lender + 3rd-party fees
- $6,972
- median of 7,374 purchase loans · HMDA 2023
Montgomery County compared with Maryland counties
In the verified Maryland county records we have, Montgomery County's effective transfer-tax rate ranks #3 of 4 by highest rate. At $400,000, the county-specific transfer tax is $6,000, which is $4,000 above the state-level calculation before city surtaxes.
- County rank
- #3 of 4
- within verified Maryland county pages
- Tax at $400,000
- $6,000
- state baseline $2,000
- HMDA fee sample
- 7,374
- purchase loans in 2023
Montgomery County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Montgomery County
Custom: buyer and seller commonly split state transfer + recordation; county transfer often buyer-paid by contract. Always check the contract.
Recording fees in Montgomery County
County transfer tax 1.0% (with a partial exemption on the first $50k for owner-occupants), plus the 0.5% state transfer tax and recordation tax of about $4.45 per $500. Among Maryland's higher-cost counties.
Official recorder: Montgomery County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Montgomery County
Across 7,374 home-purchase mortgages originated in Montgomery County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $6,972, of which about $2,564 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 24031, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Montgomery County closing costs
Pre-set to Maryland. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Montgomery County?
Montgomery County (Maryland): the applicable real-estate transfer tax works out to about 1.5%. Custom: buyer and seller commonly split state transfer + recordation; county transfer often buyer-paid by contract. Always check the contract.
What are recording fees in Montgomery County?
County transfer tax 1.0% (with a partial exemption on the first $50k for owner-occupants), plus the 0.5% state transfer tax and recordation tax of about $4.45 per $500. Among Maryland's higher-cost counties.
How much are closing costs in Montgomery County?
Closing costs in Montgomery County follow Maryland'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 Montgomery County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 7,374 home-purchase mortgages in Montgomery County were about $6,972, of which roughly $2,564 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 Maryland county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.