Davidson County closing costs
The county-specific transfer tax and deed recording fees for Davidson County, Tennessee - 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
- $6,530
- median of 8,057 purchase loans · HMDA 2023
Davidson County compared with Tennessee counties
In the verified Tennessee county records we have, Davidson County's effective transfer-tax rate ranks #1 of 5 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 5
- within verified Tennessee county pages
- Tax at $400,000
- $1,480
- state baseline $1,480
- HMDA fee sample
- 8,057
- purchase loans in 2023
Davidson County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Davidson County
Tennessee's only real-estate transfer tax is the STATE recordation/conveyance tax of $0.37 per $100 ($3.70/$1,000 = 0.0037), levied at recording and collected by the Metro Nashville Register of Deeds for the state; there is NO separate Davidson County or City of Nashville transfer tax. Tennessee statute does not assign who pays, but customarily the buyer/borrower pays the conveyance and mortgage taxes at closing. Davidson County is a consolidated Metropolitan Government (Nashville and Davidson County share one Register of Deeds). A 2024-2025 Metro Council resolution merely sought permission to receive a share of the state transfer tax — confirming no local transfer tax currently exists.
Recording fees in Davidson County
Deeds & deeds of trust: $5 per page, $10 minimum charge + $2 data processing fee (so ~$12 for first two pages, $5 each additional page). State conveyance (realty transfer) tax $3.70 per $1,000 of value (0.0037); mortgage tax $1.15 per $1,000 (first $2,000 exempt); $1 probate fee collected only when state tax is paid. Per Tenn. Code Ann. §8-21-1001 and §67-4-409.
Official recorder: Davidson County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Davidson County
Across 8,057 home-purchase mortgages originated in Davidson County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $6,530, of which about $3,185 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 47037, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Davidson County closing costs
Pre-set to Tennessee. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Davidson County?
Davidson County (Tennessee): the applicable real-estate transfer tax works out to about 0.37%. Tennessee's only real-estate transfer tax is the STATE recordation/conveyance tax of $0.37 per $100 ($3.70/$1,000 = 0.0037), levied at recording and collected by the Metro Nashville Register of Deeds for the state; there is NO separate Davidson County or City of Nashville transfer tax. Tennessee statute does not assign who pays, but customarily the buyer/borrower pays the conveyance and mortgage taxes at closing. Davidson County is a consolidated Metropolitan Government (Nashville and Davidson County share one Register of Deeds). A 2024-2025 Metro Council resolution merely sought permission to receive a share of the state transfer tax — confirming no local transfer tax currently exists.
What are recording fees in Davidson County?
Deeds & deeds of trust: $5 per page, $10 minimum charge + $2 data processing fee (so ~$12 for first two pages, $5 each additional page). State conveyance (realty transfer) tax $3.70 per $1,000 of value (0.0037); mortgage tax $1.15 per $1,000 (first $2,000 exempt); $1 probate fee collected only when state tax is paid. Per Tenn. Code Ann. §8-21-1001 and §67-4-409.
How much are closing costs in Davidson County?
Closing costs in Davidson County follow Tennessee'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 Davidson County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 8,057 home-purchase mortgages in Davidson County were about $6,530, of which roughly $3,185 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 Tennessee county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.