Horry County closing costs
The county-specific transfer tax and deed recording fees for Horry County, South Carolina - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.37%
- ≈ $1,480 on a $400,000 home
- Typical lender + 3rd-party fees
- $5,760
- median of 8,482 purchase loans · HMDA 2023
Horry County compared with South Carolina counties
In the verified South Carolina county records we have, Horry County's effective transfer-tax rate ranks #1 of 6 by highest rate. At $400,000, the county-specific transfer tax is $1,480, which is the same as the state-level calculation before city surtaxes.
- County rank
- #1 of 6
- within verified South Carolina county pages
- Tax at $400,000
- $1,480
- state baseline $1,480
- HMDA fee sample
- 8,482
- purchase loans in 2023
Horry County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Horry County
SC has a single state-imposed Deed Recording Fee (the state's documentary/transfer tax), NOT a separately county-levied transfer tax. Rate = $1.85 per $500 of realty value (= 0.0037 of price), composed of a state portion of $1.30/$500 and a 'county portion' of $0.55/$500. Critically, the $0.55 county portion is a state-mandated split allocated back to the county under SC Code Title 12 Ch. 24 (the clerk/register collects the whole fee and remits the state's portion monthly) — it is NOT an independently county-enacted tax like Michigan's separate county transfer tax, so per task rules county_transfer_tax_rate is null. WHO PAYS: the grantor/seller customarily pays the deed recording fee. No city of Myrtle Beach / Conway municipal transfer tax exists. For total seller transfer-cost modeling the full 0.0037 (state+county combined) applies but it is a state-level fee.
Recording fees in Horry County
Flat recording fees (per H3243, effective 8/1/2019, replacing per-page fees): Deed = $25; Mortgage / Agreement / Amendment / Assignment / Contract / Declaration / Easement / Lease / Restrictive Covenant / UCC = $25; Affidavit / Article / Mechanics Lien / Release = $10. These recording fees are SEPARATE from and in addition to the SC deed recording fee (transfer tax). Source: Horry County Register of Deeds; confirm current amounts at the official fee schedule PDF or (843) 915-5430.
Official recorder: Horry County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Horry County
Across 8,482 home-purchase mortgages originated in Horry County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $5,760, of which about $3,085 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 45051, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Horry County closing costs
Pre-set to South Carolina. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Horry County?
Horry County (South Carolina): the applicable real-estate transfer tax works out to about 0.37%. SC has a single state-imposed Deed Recording Fee (the state's documentary/transfer tax), NOT a separately county-levied transfer tax. Rate = $1.85 per $500 of realty value (= 0.0037 of price), composed of a state portion of $1.30/$500 and a 'county portion' of $0.55/$500. Critically, the $0.55 county portion is a state-mandated split allocated back to the county under SC Code Title 12 Ch. 24 (the clerk/register collects the whole fee and remits the state's portion monthly) — it is NOT an independently county-enacted tax like Michigan's separate county transfer tax, so per task rules county_transfer_tax_rate is null. WHO PAYS: the grantor/seller customarily pays the deed recording fee. No city of Myrtle Beach / Conway municipal transfer tax exists. For total seller transfer-cost modeling the full 0.0037 (state+county combined) applies but it is a state-level fee.
What are recording fees in Horry County?
Flat recording fees (per H3243, effective 8/1/2019, replacing per-page fees): Deed = $25; Mortgage / Agreement / Amendment / Assignment / Contract / Declaration / Easement / Lease / Restrictive Covenant / UCC = $25; Affidavit / Article / Mechanics Lien / Release = $10. These recording fees are SEPARATE from and in addition to the SC deed recording fee (transfer tax). Source: Horry County Register of Deeds; confirm current amounts at the official fee schedule PDF or (843) 915-5430.
How much are closing costs in Horry County?
Closing costs in Horry County follow South Carolina'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 Horry County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 8,482 home-purchase mortgages in Horry County were about $5,760, of which roughly $3,085 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 South Carolina county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.