Knox County closing costs
The county-specific transfer tax and deed recording fees for Knox 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
- $6,105
- median of 5,497 purchase loans · HMDA 2023
Knox County compared with Tennessee counties
In the verified Tennessee county records we have, Knox 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
- 5,497
- purchase loans in 2023
Knox County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Knox County
Knox County levies NO separate county real-estate transfer tax. The only transfer tax is Tennessee's statewide realty transfer (recordation) tax of $0.37 per $100 (0.0037) under Tenn. Code Ann. § 67-4-409; it is collected by the county Register of Deeds but remitted to the TN Department of Revenue, and the rate is uniform across all counties. The grantee/buyer customarily pays it. The Knox County Register of Deeds states recording fees are set by Tennessee statute, so there is no county-specific transfer tax or fee variation. Knoxville (the county's major city) levies no city transfer tax.
Recording fees in Knox County
Deed recording (set by TN statute, uniform statewide): $12.00 for the first two pages, $5.00 each additional page, $5.00 each additional instrument/document; plus $1.00 register fee when the state conveyance (realty transfer) tax applies. Deed of Trust: $12.00 first two pages, $5.00 each additional page, plus $1.00 register fee when state mortgage tax applies. State realty transfer (conveyance) tax = $3.70 per $1,000 ($0.37 per $100 = 0.0037); state mortgage/indebtedness tax = $0.115 per $100 of indebtedness over $2,000. Source: Knox County Register of Deeds fee schedule / deeds.com recorder page.
Official recorder: Knox County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Knox County
Across 5,497 home-purchase mortgages originated in Knox County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $6,105, of which about $2,983 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 47093, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Knox County closing costs
Pre-set to Tennessee. County-level taxes above may add to this estimate.
Current source data is loading. Until it finishes, the amount shown is a server-rendered static example and the controls are disabled.
Frequently asked questions
What is the transfer tax in Knox County?
Knox County (Tennessee): the applicable real-estate transfer tax works out to about 0.37%. Knox County levies NO separate county real-estate transfer tax. The only transfer tax is Tennessee's statewide realty transfer (recordation) tax of $0.37 per $100 (0.0037) under Tenn. Code Ann. § 67-4-409; it is collected by the county Register of Deeds but remitted to the TN Department of Revenue, and the rate is uniform across all counties. The grantee/buyer customarily pays it. The Knox County Register of Deeds states recording fees are set by Tennessee statute, so there is no county-specific transfer tax or fee variation. Knoxville (the county's major city) levies no city transfer tax.
What are recording fees in Knox County?
Deed recording (set by TN statute, uniform statewide): $12.00 for the first two pages, $5.00 each additional page, $5.00 each additional instrument/document; plus $1.00 register fee when the state conveyance (realty transfer) tax applies. Deed of Trust: $12.00 first two pages, $5.00 each additional page, plus $1.00 register fee when state mortgage tax applies. State realty transfer (conveyance) tax = $3.70 per $1,000 ($0.37 per $100 = 0.0037); state mortgage/indebtedness tax = $0.115 per $100 of indebtedness over $2,000. Source: Knox County Register of Deeds fee schedule / deeds.com recorder page.
How much are closing costs in Knox County?
Closing costs in Knox 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 Knox County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 5,497 home-purchase mortgages in Knox County were about $6,105, of which roughly $2,983 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.