Ramsey County closing costs
The county-specific transfer tax and deed recording fees for Ramsey 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
- $5,585
- median of 4,554 purchase loans · HMDA 2023
Ramsey County compared with Minnesota counties
In the verified Minnesota county records we have, Ramsey 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
- 4,554
- purchase loans in 2023
Ramsey County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Ramsey County
Minnesota levies a state Deed Tax of 0.0033 (0.33%) of net consideration, paid by the seller, due before recording. Ramsey County levies its OWN additional Environmental Response Fund (ERF) tax of 0.0001 (0.01%) on top of the state rate — one of only two MN counties (Ramsey and Hennepin) to do so — bringing the total deed tax to 0.0034 (0.34%) on property in the county. The 0.0001 reported here is the county-only portion. The deed tax does not apply to transfers under $3,000. St. Paul (the county's major city) has no separate municipal transfer tax. A $5 conservation/agricultural-preservation fee also applies to taxable deeds and mortgages.
Recording fees in Ramsey County
Deed/document recording fee: $46.00 per document (flat — additional pages no extra charge). Well disclosure certificate: $50.00. Plats: $56.00. Certified copies: $10.00. Plus a state-mandated $5.00 Agricultural Conservation / Preservation fee when state deed tax or mortgage registry tax is due (added to the tax, not the recording fee). Source: Ramsey County Recorder's Office, 15 W. Kellogg Blvd, Room 72, St. Paul, MN 55102; (651) 266-2050.
Official recorder: Ramsey County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Ramsey County
Across 4,554 home-purchase mortgages originated in Ramsey County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $5,585, of which about $3,032 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 27123, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Ramsey County closing costs
Pre-set to Minnesota. County-level taxes above may add to this estimate.
Current source data is loading. Until it finishes, the amount shown is a server-rendered static example and the controls are disabled.
Frequently asked questions
What is the transfer tax in Ramsey County?
Ramsey County (Minnesota): the applicable real-estate transfer tax works out to about 0.01%. Minnesota levies a state Deed Tax of 0.0033 (0.33%) of net consideration, paid by the seller, due before recording. Ramsey County levies its OWN additional Environmental Response Fund (ERF) tax of 0.0001 (0.01%) on top of the state rate — one of only two MN counties (Ramsey and Hennepin) to do so — bringing the total deed tax to 0.0034 (0.34%) on property in the county. The 0.0001 reported here is the county-only portion. The deed tax does not apply to transfers under $3,000. St. Paul (the county's major city) has no separate municipal transfer tax. A $5 conservation/agricultural-preservation fee also applies to taxable deeds and mortgages.
What are recording fees in Ramsey County?
Deed/document recording fee: $46.00 per document (flat — additional pages no extra charge). Well disclosure certificate: $50.00. Plats: $56.00. Certified copies: $10.00. Plus a state-mandated $5.00 Agricultural Conservation / Preservation fee when state deed tax or mortgage registry tax is due (added to the tax, not the recording fee). Source: Ramsey County Recorder's Office, 15 W. Kellogg Blvd, Room 72, St. Paul, MN 55102; (651) 266-2050.
How much are closing costs in Ramsey County?
Closing costs in Ramsey 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 Ramsey County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 4,554 home-purchase mortgages in Ramsey County were about $5,585, of which roughly $3,032 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.