Closing costs in Oregon
What a buyer or seller pays at the closing table in Oregon — the real transfer-tax rate, recording fees, title-insurance method and attorney rules, plus a calculator that uses Oregon's actual rates.
- Transfer tax
- none
- customarily negotiable-paid
- Recording fee (deed)
- ~$81
- charged per page of the document
- Title insurance
- filed
- ~$4.50 / $1,000
- Attorney at closing
- Not required
Oregon in the national transfer-tax dataset
0%, #37 of 51 nationally; at $400,000, that is $640 below the median $640 tax at $400,000. The comparison uses the 51 source-verified state and DC records in the TallyClose dataset; null transfer-tax states count as 0% rather than being filled with an estimate.
- National rank
- #37 of 51
- highest state transfer-tax rate first
- Median-state tax at $400,000
- $640
- Oregon: $0
- County coverage
- 2
- 0 with a city-tax field
Oregon transfer-tax data: official source linked on this page, reviewed 2026-Q2.
How closing costs work in Oregon
The biggest closing-cost variable in Oregon is the real-estate transfer tax, which here is none and is customarily negotiable-paid. Oregon bars real-estate transfer taxes statewide under Or. Rev. Stat. § 306.815; only Washington County (Portland metro area) retains a grandfathered local transfer tax of approximately 0.1%.
On a $400,000 home, the state-level transfer tax works out to roughly $0 — there is no state transfer tax here, before any county or city add-ons. County recording fees are charged per page of the document and run around $81 for the deed.
For title insurance, Oregon title-insurance rates are filed with the state and broadly similar between companies, though you can sometimes shop. Oregon does not require an attorney at closing — a title or escrow company typically handles settlement, though you can hire an attorney if you want one. Lenders here typically charge $1,400–$3,200 in origination and processing fees, and 2 months of property-tax escrow is commonly collected at closing.
Statute: Or. Rev. Stat. § 306.815 (transfer-tax prohibition). Official source ↗
Oregon closing cost calculator
Pre-set to Oregon. Adjust your price, down payment and loan type.
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Counties in Oregon
County and city taxes can change the total significantly. Open a county for its precise rate.
Frequently asked questions
How much are closing costs in Oregon?
In Oregon, buyer closing costs typically run about 2%–5% of the purchase price. The state-specific pieces are the transfer tax (none, customarily negotiable-paid), county recording fees (charged per page of the document, around $81), and title insurance. Oregon does not require an attorney at closing. Use the calculator above for your price.
What is the transfer tax in Oregon?
Oregon's real-estate transfer tax is none and is customarily negotiable-paid. Oregon bars real-estate transfer taxes statewide under Or. Rev. Stat. § 306.815; only Washington County (Portland metro area) retains a grandfathered local transfer tax of approximately 0.1%.
Who pays closing costs in Oregon?
Both buyer and seller pay different items. The transfer tax in Oregon is customarily negotiable-paid. Buyers generally cover lender fees, the appraisal, lender's title insurance and prepaids; sellers generally cover the agent commission and, in most states, the bulk of the transfer tax. Everything is negotiable in the contract.
Do I need an attorney to close in Oregon?
No. Oregon does not require an attorney at closing; a title or escrow company typically handles settlement. You may still choose to hire one.
Closest transfer-tax comparisons
Algorithmic neighbors by verified transfer-tax rate, not a static related-links block.
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