Closing costs in Tennessee
What a buyer or seller pays at the closing table in Tennessee — the real transfer-tax rate, recording fees, title-insurance method and attorney rules, plus a calculator that uses Tennessee's actual rates.
- Transfer tax
- 0.37%
- customarily buyer-paid
- Recording fee (deed)
- ~$12
- a flat fee per document
- Title insurance
- filed
- ~$4.00 / $1,000
- Attorney at closing
- Not required
Tennessee in the national transfer-tax dataset
0.37%, #17 of 51 nationally; at $400,000, that is $840 above the median $640 tax at $400,000. The comparison uses the 51 source-verified state and DC records in the TallyClose dataset; null transfer-tax states count as 0% rather than being filled with an estimate.
- National rank
- #17 of 51
- highest state transfer-tax rate first
- Median-state tax at $400,000
- $640
- Tennessee: $1,480
- County coverage
- 5
- 0 with a city-tax field
Tennessee transfer-tax data: official source linked on this page, reviewed 2026-Q2.
How closing costs work in Tennessee
The biggest closing-cost variable in Tennessee is the real-estate transfer tax, which here is 0.37% and is customarily buyer-paid. Tennessee's realty transfer tax is $0.37 per $100 of value (0.37%), paid by the buyer under Tenn. Code § 67-4-409.
On a $400,000 home, the state-level transfer tax works out to roughly $1,480 , before any county or city add-ons. County recording fees are a flat fee per document and run around $12 for the deed.
For title insurance, Tennessee title-insurance rates are filed with the state and broadly similar between companies, though you can sometimes shop. Tennessee does not require an attorney at closing — a title or escrow company typically handles settlement, though you can hire an attorney if you want one. Lenders here typically charge $1,400–$3,200 in origination and processing fees, and 2 months of property-tax escrow is commonly collected at closing.
Statute: Tenn. Code § 67-4-409 (realty transfer tax). Official source ↗
Tennessee closing cost calculator
Pre-set to Tennessee. Adjust your price, down payment and loan type.
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Counties in Tennessee
County and city taxes can change the total significantly. Open a county for its precise rate.
Frequently asked questions
How much are closing costs in Tennessee?
In Tennessee, buyer closing costs typically run about 2%–5% of the purchase price. The state-specific pieces are the transfer tax (0.37%, customarily buyer-paid), county recording fees (a flat fee per document, around $12), and title insurance. Tennessee does not require an attorney at closing. Use the calculator above for your price.
What is the transfer tax in Tennessee?
Tennessee's real-estate transfer tax is 0.37% and is customarily buyer-paid. Tennessee's realty transfer tax is $0.37 per $100 of value (0.37%), paid by the buyer under Tenn. Code § 67-4-409.
Who pays closing costs in Tennessee?
Both buyer and seller pay different items. The transfer tax in Tennessee is customarily buyer-paid. Buyers generally cover lender fees, the appraisal, lender's title insurance and prepaids; sellers generally cover the agent commission and, in most states, the bulk of the transfer tax. Everything is negotiable in the contract.
Do I need an attorney to close in Tennessee?
No. Tennessee does not require an attorney at closing; a title or escrow company typically handles settlement. You may still choose to hire one.
Closest transfer-tax comparisons
Algorithmic neighbors by verified transfer-tax rate, not a static related-links block.
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