Westmoreland County closing costs
The county-specific transfer tax and deed recording fees for Westmoreland County, Pennsylvania - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 1%
- ≈ $4,000 on a $400,000 home
- City transfer tax
- 1.5%
- where the city levies its own
- Typical lender + 3rd-party fees
- $5,705
- median of 2,693 purchase loans · HMDA 2023
Westmoreland County compared with Pennsylvania counties
In the verified Pennsylvania county records we have, Westmoreland 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
- 2,693
- purchase loans in 2023
Westmoreland County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Westmoreland County
Pennsylvania has NO county-level realty transfer tax. The state imposes a 1% (0.01) realty transfer tax (state-level, not county). Localities additionally impose their own local realty transfer tax, split between municipality and school district. In Westmoreland County the typical/standard local rate is 1.0% (0.5% municipality + 0.5% school district), making the common total 2.0% (1% state + 1% local). City-level quirks: City of Greensburg (county seat) levies 1.5% local (total 2.5% with state); Municipality of Murrysville raised its rate effective 1/1/2022 to a 1.5% local total (1% municipal + 0.5% school), total 2.5% with state. Local rate therefore varies by municipality/school district within the county — verify exact location. Who pays: grantor and grantee are jointly and severally liable under PA law; by PA custom, buyer and seller typically split the transfer tax 50/50. city_transfer_tax_rate reflects the county seat (Greensburg) local rate of 1.5%; the most common local rate elsewhere in the county is 1.0%.
Recording fees in Westmoreland County
Standard deed recording fee: $110.25 base (includes 4 names, 4 pages, 1 tax map number, 1 UPI). Additional charges: +$2.00 per extra page beyond 4; +$0.50 per extra name beyond 4; +$0.50 per extra tax map number; +$20.00 per extra UPI. All recording fees and realty transfer taxes are due and collected at time of recording. Source: official Westmoreland County Recorder of Deeds Fee Schedule (westmorelandcountypa.gov/152/Fee-Schedule).
Official recorder: Westmoreland County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Westmoreland County
Across 2,693 home-purchase mortgages originated in Westmoreland County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $5,705, of which about $2,045 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 42129, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Westmoreland 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 Westmoreland County?
Westmoreland County (Pennsylvania): the applicable real-estate transfer tax works out to about 1%, before any additional city tax. Pennsylvania has NO county-level realty transfer tax. The state imposes a 1% (0.01) realty transfer tax (state-level, not county). Localities additionally impose their own local realty transfer tax, split between municipality and school district. In Westmoreland County the typical/standard local rate is 1.0% (0.5% municipality + 0.5% school district), making the common total 2.0% (1% state + 1% local). City-level quirks: City of Greensburg (county seat) levies 1.5% local (total 2.5% with state); Municipality of Murrysville raised its rate effective 1/1/2022 to a 1.5% local total (1% municipal + 0.5% school), total 2.5% with state. Local rate therefore varies by municipality/school district within the county — verify exact location. Who pays: grantor and grantee are jointly and severally liable under PA law; by PA custom, buyer and seller typically split the transfer tax 50/50. city_transfer_tax_rate reflects the county seat (Greensburg) local rate of 1.5%; the most common local rate elsewhere in the county is 1.0%.
What are recording fees in Westmoreland County?
Standard deed recording fee: $110.25 base (includes 4 names, 4 pages, 1 tax map number, 1 UPI). Additional charges: +$2.00 per extra page beyond 4; +$0.50 per extra name beyond 4; +$0.50 per extra tax map number; +$20.00 per extra UPI. All recording fees and realty transfer taxes are due and collected at time of recording. Source: official Westmoreland County Recorder of Deeds Fee Schedule (westmorelandcountypa.gov/152/Fee-Schedule).
How much are closing costs in Westmoreland County?
Closing costs in Westmoreland 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 Westmoreland County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 2,693 home-purchase mortgages in Westmoreland County were about $5,705, of which roughly $2,045 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.