Hudson County closing costs
The county-specific transfer tax and deed recording fees for Hudson 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
- $7,264
- median of 3,264 purchase loans · HMDA 2023
Hudson County compared with New Jersey counties
In the verified New Jersey county records we have, Hudson 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
- 3,264
- purchase loans in 2023
Hudson County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Hudson County
No separate county-levied transfer tax. New Jersey's graduated Realty Transfer Fee (RTF) is a STATE fee paid by the seller at deed recording ($2.00-$6.05 per $500); the county only retains a $0.50/$500 share of that state RTF, so it is not an independent county tax. The buyer-side 1% "mansion tax" on residential consideration of $1,000,000+ is also a state fee, not municipal. Jersey City and Hoboken do not impose their own municipal transfer taxes. Recording fees themselves are flat per-document/per-page amounts (not price-based).
Recording fees in Hudson County
Deed/Easement/Final Judgment: $45.00 first page + $10.00 each additional page (one side); $10.00 per marginal notation. Cover sheet (or electronic synopsis) required with all land documents; $20.00 extra fee if submitted without it. Plus a $2.00 Homelessness Trust Fund surcharge per document (effective May 1, 2019). Indexing fee $6.00 each for instruments with more than 5 names. (Mortgage recording: $35.00 first page + $10.00 each additional page.)
Official recorder: Hudson County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Hudson County
Across 3,264 home-purchase mortgages originated in Hudson County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $7,264, of which about $2,061 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 34017, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Hudson 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 Hudson County?
Hudson County (New Jersey): the applicable real-estate transfer tax works out to about 1%. No separate county-levied transfer tax. New Jersey's graduated Realty Transfer Fee (RTF) is a STATE fee paid by the seller at deed recording ($2.00-$6.05 per $500); the county only retains a $0.50/$500 share of that state RTF, so it is not an independent county tax. The buyer-side 1% "mansion tax" on residential consideration of $1,000,000+ is also a state fee, not municipal. Jersey City and Hoboken do not impose their own municipal transfer taxes. Recording fees themselves are flat per-document/per-page amounts (not price-based).
What are recording fees in Hudson County?
Deed/Easement/Final Judgment: $45.00 first page + $10.00 each additional page (one side); $10.00 per marginal notation. Cover sheet (or electronic synopsis) required with all land documents; $20.00 extra fee if submitted without it. Plus a $2.00 Homelessness Trust Fund surcharge per document (effective May 1, 2019). Indexing fee $6.00 each for instruments with more than 5 names. (Mortgage recording: $35.00 first page + $10.00 each additional page.)
How much are closing costs in Hudson County?
Closing costs in Hudson 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 Hudson County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 3,264 home-purchase mortgages in Hudson County were about $7,264, of which roughly $2,061 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.