Montgomery County closing costs
The county-specific transfer tax and deed recording fees for Montgomery 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
- $4,686
- median of 5,323 purchase loans · HMDA 2023
Montgomery County compared with Ohio counties
In the verified Ohio county records we have, Montgomery 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
- 5,323
- purchase loans in 2023
Montgomery County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Montgomery County
Ohio levies a state conveyance fee of $1.00 per $1,000 (0.1%); Montgomery County adds a permissive county conveyance fee of $3.00 per $1,000 (0.3%, the county portion reported here), for a combined $4.00 per $1,000 (0.4%). Plus a $0.50-per-parcel transfer fee. By custom the seller pays the conveyance fee at closing when the deed is recorded, though it is negotiable in the purchase agreement. No municipal/city real-estate transfer tax (Dayton has none).
Recording fees in Montgomery County
Deed recording: $39.00 for the first 2 pages, $8.00 each additional page. $20.00 standardization fee for non-conforming documents (e.g., no clear 3-inch top margin on first page). $4.00 marginal notation fee on Release/Assignment of Mortgages only. Of the recording fees, 50% is the basic recording fee and 50% goes to the Ohio Housing Trust Fund (ORC 317.32/317.36). Source: official Montgomery County Recorder Table of Fees (revised Oct 17, 2019).
Official recorder: Montgomery County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Montgomery County
Across 5,323 home-purchase mortgages originated in Montgomery County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $4,686, of which about $1,897 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 39113, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Montgomery 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 Montgomery County?
Montgomery 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 (0.1%); Montgomery County adds a permissive county conveyance fee of $3.00 per $1,000 (0.3%, the county portion reported here), for a combined $4.00 per $1,000 (0.4%). Plus a $0.50-per-parcel transfer fee. By custom the seller pays the conveyance fee at closing when the deed is recorded, though it is negotiable in the purchase agreement. No municipal/city real-estate transfer tax (Dayton has none).
What are recording fees in Montgomery County?
Deed recording: $39.00 for the first 2 pages, $8.00 each additional page. $20.00 standardization fee for non-conforming documents (e.g., no clear 3-inch top margin on first page). $4.00 marginal notation fee on Release/Assignment of Mortgages only. Of the recording fees, 50% is the basic recording fee and 50% goes to the Ohio Housing Trust Fund (ORC 317.32/317.36). Source: official Montgomery County Recorder Table of Fees (revised Oct 17, 2019).
How much are closing costs in Montgomery County?
Closing costs in Montgomery 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 Montgomery County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 5,323 home-purchase mortgages in Montgomery County were about $4,686, of which roughly $1,897 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.