Bergen County closing costs
The county-specific transfer tax and deed recording fees for Bergen County, New Jersey - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 1%
- ≈ $4,000 on a $400,000 home
- Typical lender + 3rd-party fees
- $7,984
- median of 5,791 purchase loans · HMDA 2023
Bergen County compared with New Jersey counties
In the verified New Jersey county records we have, Bergen County's effective transfer-tax rate ranks #1 of 3 by highest rate. At $400,000, the county-specific transfer tax is $4,000, which is the same as the state-level calculation before city surtaxes.
- County rank
- #1 of 3
- within verified New Jersey county pages
- Tax at $400,000
- $4,000
- state baseline $4,000
- HMDA fee sample
- 5,791
- purchase loans in 2023
Bergen County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Bergen County
New Jersey has NO separate county or municipal real-estate transfer tax. The only transfer levy is the state Realty Transfer Fee (RTF), a graduated fee paid by the SELLER and collected by the county clerk at recording, then largely remitted to the state (the county retains only a small statutory share, which is not an additional charge to the parties). Buyers pay a separate state "Mansion Tax" / 1% supplemental fee on residential transfers over $1,000,000; as of July 10, 2025 NJ enacted a graduated percent schedule for considerations over $1,000,000 (rates up to ~3.5%), but this is a STATE fee, not a Bergen County tax. Earlier informal claims of "1.2% township transfer tax" conflate the state RTF/mansion tax brackets with a municipal tax that does not exist in NJ.
Recording fees in Bergen County
Deed recording: $45 for the first page (includes a $10 tax abstract/realty transfer fee abstract charge) + $10 per each additional page. A $20 fee applies if no cover sheet (or electronic synopsis) is submitted. Certified copies: $10 first page + $2 each additional page (military/veteran documents free). Source: Bergen County Clerk Document Directory & Recording Fees (bergencountyclerk.gov/Services/41).
Official recorder: Bergen County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Bergen County
Across 5,791 home-purchase mortgages originated in Bergen County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $7,984, of which about $2,840 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 34003, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Bergen County closing costs
Pre-set to New Jersey. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Bergen County?
Bergen County (New Jersey): the applicable real-estate transfer tax works out to about 1%. New Jersey has NO separate county or municipal real-estate transfer tax. The only transfer levy is the state Realty Transfer Fee (RTF), a graduated fee paid by the SELLER and collected by the county clerk at recording, then largely remitted to the state (the county retains only a small statutory share, which is not an additional charge to the parties). Buyers pay a separate state "Mansion Tax" / 1% supplemental fee on residential transfers over $1,000,000; as of July 10, 2025 NJ enacted a graduated percent schedule for considerations over $1,000,000 (rates up to ~3.5%), but this is a STATE fee, not a Bergen County tax. Earlier informal claims of "1.2% township transfer tax" conflate the state RTF/mansion tax brackets with a municipal tax that does not exist in NJ.
What are recording fees in Bergen County?
Deed recording: $45 for the first page (includes a $10 tax abstract/realty transfer fee abstract charge) + $10 per each additional page. A $20 fee applies if no cover sheet (or electronic synopsis) is submitted. Certified copies: $10 first page + $2 each additional page (military/veteran documents free). Source: Bergen County Clerk Document Directory & Recording Fees (bergencountyclerk.gov/Services/41).
How much are closing costs in Bergen County?
Closing costs in Bergen County follow New Jersey'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 Bergen County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 5,791 home-purchase mortgages in Bergen County were about $7,984, of which roughly $2,840 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 New Jersey county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.