Macomb County closing costs
The county-specific transfer tax and deed recording fees for Macomb County, Michigan - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.11%
- ≈ $440 on a $400,000 home
- Typical lender + 3rd-party fees
- $4,807
- median of 8,814 purchase loans · HMDA 2023
Macomb County compared with Michigan counties
In the verified Michigan county records we have, Macomb County's effective transfer-tax rate ranks #1 of 7 by highest rate. At $400,000, the county-specific transfer tax is $440, which is $3,000 below the state-level calculation before city surtaxes.
- County rank
- #1 of 7
- within verified Michigan county pages
- Tax at $400,000
- $440
- state baseline $3,440
- HMDA fee sample
- 8,814
- purchase loans in 2023
Macomb County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Macomb County
Michigan counties under 2,000,000 population (Macomb pop. ~881k) levy a county real estate transfer tax of $0.55 per $500 of value = $1.10/$1,000 = 0.0011 (0.11%), authorized under MCL 207.504. This is on top of the state real estate transfer tax of $3.75/$500 = $7.50/$1,000 = 0.0075 (MCL 207.523). Combined state+county = $8.60/$1,000. By Michigan statute the SELLER/grantor pays both transfer taxes. Michigan municipalities do not levy their own real estate transfer tax, so no city transfer tax applies. Tax is based on total value (typically sale price); the instrument must state value on its face or attach a value affidavit.
Recording fees in Macomb County
Deed/document recording: flat $30.00 per document regardless of page count (effective Oct 1, 2016). Additional $3.00 per extra instrument referenced for documents that assign or discharge more than one instrument. Of the $30, $4.00 goes to the Michigan Survey & Remonumentation fund. Real estate record search $5.00; copies $1.00/page; UCC search $12.00/debtor name. Source: Macomb County Clerk/Register of Deeds official fee page.
Official recorder: Macomb County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Macomb County
Across 8,814 home-purchase mortgages originated in Macomb County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $4,807, of which about $2,263 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 26099, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Macomb County closing costs
Pre-set to Michigan. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Macomb County?
Macomb County (Michigan): the applicable real-estate transfer tax works out to about 0.11%. Michigan counties under 2,000,000 population (Macomb pop. ~881k) levy a county real estate transfer tax of $0.55 per $500 of value = $1.10/$1,000 = 0.0011 (0.11%), authorized under MCL 207.504. This is on top of the state real estate transfer tax of $3.75/$500 = $7.50/$1,000 = 0.0075 (MCL 207.523). Combined state+county = $8.60/$1,000. By Michigan statute the SELLER/grantor pays both transfer taxes. Michigan municipalities do not levy their own real estate transfer tax, so no city transfer tax applies. Tax is based on total value (typically sale price); the instrument must state value on its face or attach a value affidavit.
What are recording fees in Macomb County?
Deed/document recording: flat $30.00 per document regardless of page count (effective Oct 1, 2016). Additional $3.00 per extra instrument referenced for documents that assign or discharge more than one instrument. Of the $30, $4.00 goes to the Michigan Survey & Remonumentation fund. Real estate record search $5.00; copies $1.00/page; UCC search $12.00/debtor name. Source: Macomb County Clerk/Register of Deeds official fee page.
How much are closing costs in Macomb County?
Closing costs in Macomb County follow Michigan'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 Macomb County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 8,814 home-purchase mortgages in Macomb County were about $4,807, of which roughly $2,263 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 Michigan county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.