Spartanburg County closing costs

Transfer tax in Spartanburg County

South Carolina has NO separate county-imposed transfer tax. The only transfer levy is the statewide SC Deed Recording Fee (deed tax / documentary stamps) under S.C. Code Title 12, Ch. 24, charged at $1.85 per $500 of consideration (= 0.0037 of price total). That fee is set by the state and split $1.30 state + $0.55 county per $500; the $0.55 county share is a distribution of the statewide fee, NOT a county-levied add-on, so county_transfer_tax_rate = null per the task's SC rule (transfer tax is state-level). For reference, the full STATE deed recording fee as a decimal of price is 0.0037 (0.0026 state portion + 0.0011 county portion). Who pays: by custom and statute the GRANTOR (seller) pays the deed recording fee; collected by the Register of Deeds where the deed is recorded; certain transfers are exempt via affidavit. No municipal transfer tax in City of Spartanburg. Deed recording requires a recording fee of $15 (deed) plus the deed tax. Register of Deeds: 366 N. Church St., Suite 100, Spartanburg, SC 29303; (864) 596-2514.

Recording fees in Spartanburg County

Deed (with or without consideration): $15.00 flat recording fee per document (Mortgage $25.00; certified copy $10.00; copies $0.50/page). Source: Spartanburg County Register of Deeds Fee Schedule, effective July 1, 2023 (Exhibit E). Separately, the SC Deed Recording Fee ("deed tax"/stamps) of $1.85 per $500 of consideration applies on transfers of $100+ ($1.30 state + $0.55 county per $500; equivalently $3.70 per $1,000 = $2.60 state + $1.10 county). Per official Spartanburg Deed Stamp Table: $100.01-$500 = $1.85 total; rounds up per $500 increment.

Official recorder: Spartanburg County recorder ↗ — the authoritative source for the current recording fee schedule.

What lenders actually charge in Spartanburg County

Across 4,826 home-purchase mortgages originated in Spartanburg County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $6,732, of which about $3,400 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 45083, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.