Buncombe County closing costs
The county-specific transfer tax and deed recording fees for Buncombe County, North Carolina - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.2%
- ≈ $800 on a $400,000 home
- Typical lender + 3rd-party fees
- $5,363
- median of 2,503 purchase loans · HMDA 2023
Buncombe County compared with North Carolina counties
In the verified North Carolina county records we have, Buncombe County's effective transfer-tax rate ranks #1 of 8 by highest rate. At $400,000, the county-specific transfer tax is $800, which is the same as the state-level calculation before city surtaxes.
- County rank
- #1 of 8
- within verified North Carolina county pages
- Tax at $400,000
- $800
- state baseline $800
- HMDA fee sample
- 2,503
- purchase loans in 2023
Buncombe County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Buncombe County
No COUNTY transfer tax. NC levies a STATE real estate excise tax (revenue stamps) of $1 per $500 (= $2 per $1,000) of consideration, i.e. 0.002 of price, paid by the seller/grantor and collected by the Register of Deeds at recording (G.S. 105-228.30). This is state-level, so county_transfer_tax_rate = null. Buncombe County is NOT one of the seven NC coastal counties (Dare, Camden, Chowan, Currituck, Pasquotank, Perquimans, Washington) authorized to levy an additional local land transfer tax of up to 1%; it imposes no county-level land transfer tax. Recording fees are uniform statewide per G.S. 161-10. Register of Deeds office at 205 College Street, Asheville, NC 28801. City of Asheville has no separate municipal transfer tax.
Recording fees in Buncombe County
Deed: $26 for first 15 pages, $4 per additional page. Deed of Trust/Mortgage: $64 for first 35 pages, $4 per additional page. Non-standard document: additional $25. Plat: $21 per sheet. Multiple instruments as one: $10 each additional. Excessive index entries (>20 party names): $2 each. Satisfaction/cancellation: no fee. Certified copies: $5 first page, $2 each additional. All fees set by NC Gen. Stat. 161-10.
Official recorder: Buncombe County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Buncombe County
Across 2,503 home-purchase mortgages originated in Buncombe County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $5,363, of which about $2,500 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 37021, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Buncombe County closing costs
Pre-set to North Carolina. 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 Buncombe County?
Buncombe County (North Carolina): the applicable real-estate transfer tax works out to about 0.2%. No COUNTY transfer tax. NC levies a STATE real estate excise tax (revenue stamps) of $1 per $500 (= $2 per $1,000) of consideration, i.e. 0.002 of price, paid by the seller/grantor and collected by the Register of Deeds at recording (G.S. 105-228.30). This is state-level, so county_transfer_tax_rate = null. Buncombe County is NOT one of the seven NC coastal counties (Dare, Camden, Chowan, Currituck, Pasquotank, Perquimans, Washington) authorized to levy an additional local land transfer tax of up to 1%; it imposes no county-level land transfer tax. Recording fees are uniform statewide per G.S. 161-10. Register of Deeds office at 205 College Street, Asheville, NC 28801. City of Asheville has no separate municipal transfer tax.
What are recording fees in Buncombe County?
Deed: $26 for first 15 pages, $4 per additional page. Deed of Trust/Mortgage: $64 for first 35 pages, $4 per additional page. Non-standard document: additional $25. Plat: $21 per sheet. Multiple instruments as one: $10 each additional. Excessive index entries (>20 party names): $2 each. Satisfaction/cancellation: no fee. Certified copies: $5 first page, $2 each additional. All fees set by NC Gen. Stat. 161-10.
How much are closing costs in Buncombe County?
Closing costs in Buncombe County follow North Carolina'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 Buncombe County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 2,503 home-purchase mortgages in Buncombe County were about $5,363, of which roughly $2,500 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 North Carolina county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.