Hennepin County closing costs
The county-specific transfer tax and deed recording fees for Hennepin County, Minnesota - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.01%
- ≈ $40 on a $400,000 home
- Typical lender + 3rd-party fees
- $5,847
- median of 12,322 purchase loans · HMDA 2023
Hennepin County compared with Minnesota counties
In the verified Minnesota county records we have, Hennepin County's effective transfer-tax rate ranks #4 of 5 by highest rate. At $400,000, the county-specific transfer tax is $40, which is $1,280 below the state-level calculation before city surtaxes.
- County rank
- #4 of 5
- within verified Minnesota county pages
- Tax at $400,000
- $40
- state baseline $1,320
- HMDA fee sample
- 12,322
- purchase loans in 2023
Hennepin County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Hennepin County
Minnesota deed tax (transfer tax) is customarily paid by the SELLER. State Deed Tax is 0.0033 of price; Hennepin (like Ramsey) adds a county-level Environmental Response Fund (ERF) tax of 0.0001 under Minn. Stat. 383B.80, for a combined 0.0034. Minneapolis (the major city) has NO city transfer tax — it was only being explored by the city council in 2026 and would require state legislative approval, so none exists today.
Recording fees in Hennepin County
Flat $46 per document to record a deed, mortgage, or most land-title documents (abstract or Torrens/registered land) — NOT charged per page; additional pages do not increase the fee. Transfer-of-fee-ownership certificate (Torrens) is also $46 for the first certificate cancelled and issued. Add-on fees that apply to a typical sale: a $5 Minnesota Conservation Fund fee on each instrument where State Deed Tax or Mortgage Registry Tax is paid; a $5 Agricultural Conservation fee on each transfer deed/mortgage where deed/mortgage tax is payable (Minn. Stat. 40A.152); and a $54 Well Disclosure Certificate fee when required. Fees set under Minn. Stat. 357.18.
Official recorder: Hennepin County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Hennepin County
Across 12,322 home-purchase mortgages originated in Hennepin County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $5,847, of which about $3,163 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 27053, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Hennepin County closing costs
Pre-set to Minnesota. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Hennepin County?
Hennepin County (Minnesota): the applicable real-estate transfer tax works out to about 0.01%. Minnesota deed tax (transfer tax) is customarily paid by the SELLER. State Deed Tax is 0.0033 of price; Hennepin (like Ramsey) adds a county-level Environmental Response Fund (ERF) tax of 0.0001 under Minn. Stat. 383B.80, for a combined 0.0034. Minneapolis (the major city) has NO city transfer tax — it was only being explored by the city council in 2026 and would require state legislative approval, so none exists today.
What are recording fees in Hennepin County?
Flat $46 per document to record a deed, mortgage, or most land-title documents (abstract or Torrens/registered land) — NOT charged per page; additional pages do not increase the fee. Transfer-of-fee-ownership certificate (Torrens) is also $46 for the first certificate cancelled and issued. Add-on fees that apply to a typical sale: a $5 Minnesota Conservation Fund fee on each instrument where State Deed Tax or Mortgage Registry Tax is paid; a $5 Agricultural Conservation fee on each transfer deed/mortgage where deed/mortgage tax is payable (Minn. Stat. 40A.152); and a $54 Well Disclosure Certificate fee when required. Fees set under Minn. Stat. 357.18.
How much are closing costs in Hennepin County?
Closing costs in Hennepin County follow Minnesota'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 Hennepin County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 12,322 home-purchase mortgages in Hennepin County were about $5,847, of which roughly $3,163 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 Minnesota county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.