Lucas County closing costs
The county-specific transfer tax and deed recording fees for Lucas County, Ohio - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.3%
- ≈ $1,200 on a $400,000 home
- Typical lender + 3rd-party fees
- $4,757
- median of 3,481 purchase loans · HMDA 2023
Lucas County compared with Ohio counties
In the verified Ohio county records we have, Lucas County's effective transfer-tax rate ranks #1 of 9 by highest rate. At $400,000, the county-specific transfer tax is $1,200, which is $800 above the state-level calculation before city surtaxes.
- County rank
- #1 of 9
- within verified Ohio county pages
- Tax at $400,000
- $1,200
- state baseline $400
- HMDA fee sample
- 3,481
- purchase loans in 2023
Lucas County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Lucas County
Ohio levies a state conveyance fee of $1.00 per $1,000 (0.001) and permits counties a permissive fee up to $3.00 per $1,000 under ORC 322.02. Lucas County levies the maximum $3.00/$1,000 permissive portion, bringing the total real property conveyance fee to $4.00 per $1,000 of sale price (effective 1/15/2009), plus a flat $0.50-per-parcel transfer fee. The conveyance fee is customarily paid by the seller. Conveyance is processed by the County Auditor; recording fees are separate and charged by the County Recorder. No Ohio city/municipality (including Toledo) levies a separate real-estate transfer tax.
Recording fees in Lucas County
Deed/document recording: $39.00 for the first two pages + $8.00 each additional page (minimum $39.00), per ORC 317.32. Document standardization (ORC 317.114) non-compliance fee: $20.00/document. Marginal references (e.g., releases/assignments): $4.00 per reference (master mortgage exempt). Office copies: $2.00/page; certified copies: +$1.00/document. Effective April 1, 2026.
Official recorder: Lucas County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Lucas County
Across 3,481 home-purchase mortgages originated in Lucas County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $4,757, of which about $1,938 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 39095, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Lucas County closing costs
Pre-set to Ohio. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Lucas County?
Lucas County (Ohio): the applicable real-estate transfer tax works out to about 0.3%. Ohio levies a state conveyance fee of $1.00 per $1,000 (0.001) and permits counties a permissive fee up to $3.00 per $1,000 under ORC 322.02. Lucas County levies the maximum $3.00/$1,000 permissive portion, bringing the total real property conveyance fee to $4.00 per $1,000 of sale price (effective 1/15/2009), plus a flat $0.50-per-parcel transfer fee. The conveyance fee is customarily paid by the seller. Conveyance is processed by the County Auditor; recording fees are separate and charged by the County Recorder. No Ohio city/municipality (including Toledo) levies a separate real-estate transfer tax.
What are recording fees in Lucas County?
Deed/document recording: $39.00 for the first two pages + $8.00 each additional page (minimum $39.00), per ORC 317.32. Document standardization (ORC 317.114) non-compliance fee: $20.00/document. Marginal references (e.g., releases/assignments): $4.00 per reference (master mortgage exempt). Office copies: $2.00/page; certified copies: +$1.00/document. Effective April 1, 2026.
How much are closing costs in Lucas County?
Closing costs in Lucas County follow Ohio'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 Lucas County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 3,481 home-purchase mortgages in Lucas County were about $4,757, of which roughly $1,938 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 Ohio county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.