Bucks County closing costs
The county-specific transfer tax and deed recording fees for Bucks County, Pennsylvania - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 1%
- ≈ $4,000 on a $400,000 home
- Typical lender + 3rd-party fees
- $7,853
- median of 4,752 purchase loans · HMDA 2023
Bucks County compared with Pennsylvania counties
In the verified Pennsylvania county records we have, Bucks County's effective transfer-tax rate ranks #3 of 11 by highest rate. At $400,000, the county-specific transfer tax is $4,000, which is the same as the state-level calculation before city surtaxes.
- County rank
- #3 of 11
- within verified Pennsylvania county pages
- Tax at $400,000
- $4,000
- state baseline $4,000
- HMDA fee sample
- 4,752
- purchase loans in 2023
Bucks County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Bucks County
Bucks County itself levies NO separate real estate transfer tax. Pennsylvania charges a 2% total realty transfer tax: 1% to the Commonwealth (state) plus 1% local (split between the municipality and the school district, typically 0.5% each). Tax is paid at the time of recording; state/local law does not stipulate who pays, so buyer and seller commonly split it by agreement, but the new owner is ultimately responsible for any shortfall. No major city in the county levies a distinct higher rate (largest places are townships/boroughs such as Bensalem, Middletown, and Bristol Township at the standard ~1% local).
Recording fees in Bucks County
Deed (any form) base fee: $82.75 — includes up to 4 pages, 4 names, and 1 tax parcel number. Additional pages $4.00 each; additional names $1.00 each; additional tax parcel numbers $10.00 each. (Bucks County Recorder of Deeds Fee Schedule, effective January 1, 2026.) Certified copy: $1.00/page document certification + $1.50 certification fee.
Official recorder: Bucks County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Bucks County
Across 4,752 home-purchase mortgages originated in Bucks County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $7,853, of which about $3,263 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 42017, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Bucks County closing costs
Pre-set to Pennsylvania. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Bucks County?
Bucks County (Pennsylvania): the applicable real-estate transfer tax works out to about 1%. Bucks County itself levies NO separate real estate transfer tax. Pennsylvania charges a 2% total realty transfer tax: 1% to the Commonwealth (state) plus 1% local (split between the municipality and the school district, typically 0.5% each). Tax is paid at the time of recording; state/local law does not stipulate who pays, so buyer and seller commonly split it by agreement, but the new owner is ultimately responsible for any shortfall. No major city in the county levies a distinct higher rate (largest places are townships/boroughs such as Bensalem, Middletown, and Bristol Township at the standard ~1% local).
What are recording fees in Bucks County?
Deed (any form) base fee: $82.75 — includes up to 4 pages, 4 names, and 1 tax parcel number. Additional pages $4.00 each; additional names $1.00 each; additional tax parcel numbers $10.00 each. (Bucks County Recorder of Deeds Fee Schedule, effective January 1, 2026.) Certified copy: $1.00/page document certification + $1.50 certification fee.
How much are closing costs in Bucks County?
Closing costs in Bucks County follow Pennsylvania'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 Bucks County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 4,752 home-purchase mortgages in Bucks County were about $7,853, of which roughly $3,263 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 Pennsylvania county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.