Closing costs in Montana
What a buyer or seller pays at the closing table in Montana — the real transfer-tax rate, recording fees, title-insurance method and attorney rules, plus a calculator that uses Montana's actual rates.
- Transfer tax
- none
- customarily negotiable-paid
- Recording fee (deed)
- ~$20
- charged per page of the document
- Title insurance
- filed
- ~$4.00 / $1,000
- Attorney at closing
- Not required
Montana in the national transfer-tax dataset
0%, #37 of 51 nationally; at $400,000, that is $640 below the median $640 tax at $400,000. The comparison uses the 51 source-verified state and DC records in the TallyClose dataset; null transfer-tax states count as 0% rather than being filled with an estimate.
- National rank
- #37 of 51
- highest state transfer-tax rate first
- Median-state tax at $400,000
- $640
- Montana: $0
- County coverage
- 0
- 0 with a city-tax field
Montana transfer-tax data: official source linked on this page, reviewed 2026-Q2.
How closing costs work in Montana
The biggest closing-cost variable in Montana is the real-estate transfer tax, which here is none and is customarily negotiable-paid. Montana has no real-estate transfer tax and no state sales tax. Recording fee is $20 for the first page effective 2025-10-01 under MCA § 7-4-2637, plus $10 for each additional page.
On a $400,000 home, the state-level transfer tax works out to roughly $0 — there is no state transfer tax here, before any county or city add-ons. County recording fees are charged per page of the document and run around $20 for the deed.
For title insurance, Montana title-insurance rates are filed with the state and broadly similar between companies, though you can sometimes shop. Montana does not require an attorney at closing — a title or escrow company typically handles settlement, though you can hire an attorney if you want one. Lenders here typically charge $1,400–$3,200 in origination and processing fees, and 2 months of property-tax escrow is commonly collected at closing.
Statute: No transfer-tax statute; MCA § 7-4-2637 (recording fee, eff. 2025-10-01). Official source ↗
Montana closing cost calculator
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Frequently asked questions
How much are closing costs in Montana?
In Montana, buyer closing costs typically run about 2%–5% of the purchase price. The state-specific pieces are the transfer tax (none, customarily negotiable-paid), county recording fees (charged per page of the document, around $20), and title insurance. Montana does not require an attorney at closing. Use the calculator above for your price.
What is the transfer tax in Montana?
Montana's real-estate transfer tax is none and is customarily negotiable-paid. Montana has no real-estate transfer tax and no state sales tax. Recording fee is $20 for the first page effective 2025-10-01 under MCA § 7-4-2637, plus $10 for each additional page.
Who pays closing costs in Montana?
Both buyer and seller pay different items. The transfer tax in Montana is customarily negotiable-paid. Buyers generally cover lender fees, the appraisal, lender's title insurance and prepaids; sellers generally cover the agent commission and, in most states, the bulk of the transfer tax. Everything is negotiable in the contract.
Do I need an attorney to close in Montana?
No. Montana does not require an attorney at closing; a title or escrow company typically handles settlement. You may still choose to hire one.
Closest transfer-tax comparisons
Algorithmic neighbors by verified transfer-tax rate, not a static related-links block.
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