Spartanburg County closing costs
The county-specific transfer tax and deed recording fees for Spartanburg 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
- $6,732
- median of 4,826 purchase loans · HMDA 2023
Spartanburg County compared with South Carolina counties
In the verified South Carolina county records we have, Spartanburg 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
- 4,826
- purchase loans in 2023
Spartanburg County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
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.
Estimate your Spartanburg 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 Spartanburg County?
Spartanburg County (South Carolina): the applicable real-estate transfer tax works out to about 0.37%. 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.
What are 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.
How much are closing costs in Spartanburg County?
Closing costs in Spartanburg 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 Spartanburg County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 4,826 home-purchase mortgages in Spartanburg County were about $6,732, of which roughly $3,400 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.