Hamilton County closing costs
The county-specific transfer tax and deed recording fees for Hamilton 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
- $6,155
- median of 4,107 purchase loans · HMDA 2023
Hamilton County compared with Tennessee counties
In the verified Tennessee county records we have, Hamilton 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
- 4,107
- purchase loans in 2023
Hamilton County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Hamilton County
Tennessee levies a state realty transfer tax of $0.37 per $100 (0.0037) on the greater of consideration or value, collected by the county Register of Deeds but imposed under TCA 67-4-409 as a privilege "Taxable by State Only" — there is NO county or city transfer tax (Chattanooga has none). Customarily the buyer/grantee pays the transfer tax. A separate mortgage/indebtedness recordation tax of $0.115 per $100 applies (first $2,000 exempt), plus a $1.00 register fee on each taxable document.
Recording fees in Hamilton County
Deed (Warranty/Quitclaim/Deed of Trust, etc.): $12.00 up to 2 pages ($2.00 data-processing fee included), $5.00 each additional page. Assignments/Releases: $12.00 (1 book/page, up to 2 pages), $5.00 each additional book/page reference, $5.00 each additional page. Plats/Surveys: $17.00 first page, $15.00 each additional page. UCC/Fixture filing: $15.00 (up to 10 pages, 1 debtor), $0.50/page over 10. Plus $1.00 additional fee on each taxable document. Copies $0.15/page; certified copies $1.00/page deeds, $5.00 plats. Military DD214: no charge. (Official schedule dated 08/23/20.)
Official recorder: Hamilton County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Hamilton County
Across 4,107 home-purchase mortgages originated in Hamilton County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $6,155, of which about $3,168 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 47065, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Hamilton 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 Hamilton County?
Hamilton County (Tennessee): the applicable real-estate transfer tax works out to about 0.37%. Tennessee levies a state realty transfer tax of $0.37 per $100 (0.0037) on the greater of consideration or value, collected by the county Register of Deeds but imposed under TCA 67-4-409 as a privilege "Taxable by State Only" — there is NO county or city transfer tax (Chattanooga has none). Customarily the buyer/grantee pays the transfer tax. A separate mortgage/indebtedness recordation tax of $0.115 per $100 applies (first $2,000 exempt), plus a $1.00 register fee on each taxable document.
What are recording fees in Hamilton County?
Deed (Warranty/Quitclaim/Deed of Trust, etc.): $12.00 up to 2 pages ($2.00 data-processing fee included), $5.00 each additional page. Assignments/Releases: $12.00 (1 book/page, up to 2 pages), $5.00 each additional book/page reference, $5.00 each additional page. Plats/Surveys: $17.00 first page, $15.00 each additional page. UCC/Fixture filing: $15.00 (up to 10 pages, 1 debtor), $0.50/page over 10. Plus $1.00 additional fee on each taxable document. Copies $0.15/page; certified copies $1.00/page deeds, $5.00 plats. Military DD214: no charge. (Official schedule dated 08/23/20.)
How much are closing costs in Hamilton County?
Closing costs in Hamilton 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 Hamilton County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 4,107 home-purchase mortgages in Hamilton County were about $6,155, of which roughly $3,168 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.