Bernalillo County closing costs
The county-specific transfer tax and deed recording fees for Bernalillo County, New Mexico - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0%
- ≈ $0 on a $400,000 home
- Typical lender + 3rd-party fees
- $6,302
- median of 5,948 purchase loans · HMDA 2023
Bernalillo County compared with New Mexico counties
In the verified New Mexico county records we have, Bernalillo County's effective transfer-tax rate ranks #1 of 1 by highest rate. At $400,000, the county-specific transfer tax is $0, which is the same as the state-level calculation before city surtaxes.
- County rank
- #1 of 1
- within verified New Mexico county pages
- Tax at $400,000
- $0
- state baseline $0
- HMDA fee sample
- 5,948
- purchase loans in 2023
Bernalillo County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Bernalillo County
New Mexico levies NO state real estate transfer tax, and Bernalillo County imposes NO county deed transfer/excise tax (NM counties fund via gross receipts taxes, not deed stamp/transfer taxes) — county_transfer_tax_rate is null. The City of Albuquerque (county seat) likewise has NO city transfer tax; a transfer tax has been proposed in the Albuquerque area but repeatedly opposed/never enacted (per GAAR realtor advocacy). Recording cost is a flat $25 per document (covers up to 10 indexed entries); the buyer/grantee typically pays recording fees at closing.
Recording fees in Bernalillo County
Deed/document recording: $25 per document for up to 10 indexed entries; each additional block of 10 indexed entries is an additional $25. Copies: $1 per page (uncertified, in-person or emailed electronic), $2 per document (certified), faxed $2 plus copy fee. Documents must be original, signed and notarized, and include the full legal description for property records. Source: Bernalillo County Clerk Recording & Filing page (berncoclerk.gov, page last modified 2025-08-22).
Official recorder: Bernalillo County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Bernalillo County
Across 5,948 home-purchase mortgages originated in Bernalillo County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $6,302, of which about $2,862 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 35001, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Bernalillo County closing costs
Pre-set to New Mexico. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Bernalillo County?
Bernalillo County (New Mexico): the applicable real-estate transfer tax works out to about 0%. New Mexico levies NO state real estate transfer tax, and Bernalillo County imposes NO county deed transfer/excise tax (NM counties fund via gross receipts taxes, not deed stamp/transfer taxes) — county_transfer_tax_rate is null. The City of Albuquerque (county seat) likewise has NO city transfer tax; a transfer tax has been proposed in the Albuquerque area but repeatedly opposed/never enacted (per GAAR realtor advocacy). Recording cost is a flat $25 per document (covers up to 10 indexed entries); the buyer/grantee typically pays recording fees at closing.
What are recording fees in Bernalillo County?
Deed/document recording: $25 per document for up to 10 indexed entries; each additional block of 10 indexed entries is an additional $25. Copies: $1 per page (uncertified, in-person or emailed electronic), $2 per document (certified), faxed $2 plus copy fee. Documents must be original, signed and notarized, and include the full legal description for property records. Source: Bernalillo County Clerk Recording & Filing page (berncoclerk.gov, page last modified 2025-08-22).
How much are closing costs in Bernalillo County?
Closing costs in Bernalillo County follow New Mexico'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 Bernalillo County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 5,948 home-purchase mortgages in Bernalillo County were about $6,302, of which roughly $2,862 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.