Rutherford County closing costs
The county-specific transfer tax and deed recording fees for Rutherford 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
- $8,491
- median of 4,682 purchase loans · HMDA 2023
Rutherford County compared with Tennessee counties
In the verified Tennessee county records we have, Rutherford 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
- 4,682
- purchase loans in 2023
Rutherford County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Rutherford County
Tennessee levies its realty transfer (conveyance) tax at the STATE level only — $0.37 per $100 ($3.70/$1,000 = 0.0037) under Tenn. Code Ann. §67-4-409, customarily paid by the buyer/grantee and collected by the county Register of Deeds. Rutherford County imposes NO separate county transfer tax on top of the state rate; its official Register of Deeds fee pages list only state-mandated taxes and recording fees, no local add-on. The separate state mortgage/indebtedness tax of $1.15 per $1,000 applies to new debt secured by realty (first $2,000 exempt).
Recording fees in Rutherford County
Deed (warranty/quitclaim): $12.00 first two pages, $5.00 each additional page, $5.00 each additional instrument/reference. Deed of Trust (mortgage): $12.00 first two pages, $5.00 each additional page. Plus a $2.00 computer/data-processing fund charge on most documents. State conveyance (transfer) tax $3.70 per $1,000 of consideration/value (0.0037) carries a $1.00 register fee when paid; mortgage/indebtedness tax $1.15 per $1,000 (0.00115) with first $2,000 exempt; $1.00 probate fee collected only when state tax is paid. Fees per TCA §8-21-1001. Register of Deeds: 16 Public Square North, Suite 401, Murfreesboro, TN 37130, (615) 898-7870.
Official recorder: Rutherford County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Rutherford County
Across 4,682 home-purchase mortgages originated in Rutherford County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $8,491, of which about $4,154 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 47149, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Rutherford 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 Rutherford County?
Rutherford County (Tennessee): the applicable real-estate transfer tax works out to about 0.37%. Tennessee levies its realty transfer (conveyance) tax at the STATE level only — $0.37 per $100 ($3.70/$1,000 = 0.0037) under Tenn. Code Ann. §67-4-409, customarily paid by the buyer/grantee and collected by the county Register of Deeds. Rutherford County imposes NO separate county transfer tax on top of the state rate; its official Register of Deeds fee pages list only state-mandated taxes and recording fees, no local add-on. The separate state mortgage/indebtedness tax of $1.15 per $1,000 applies to new debt secured by realty (first $2,000 exempt).
What are recording fees in Rutherford County?
Deed (warranty/quitclaim): $12.00 first two pages, $5.00 each additional page, $5.00 each additional instrument/reference. Deed of Trust (mortgage): $12.00 first two pages, $5.00 each additional page. Plus a $2.00 computer/data-processing fund charge on most documents. State conveyance (transfer) tax $3.70 per $1,000 of consideration/value (0.0037) carries a $1.00 register fee when paid; mortgage/indebtedness tax $1.15 per $1,000 (0.00115) with first $2,000 exempt; $1.00 probate fee collected only when state tax is paid. Fees per TCA §8-21-1001. Register of Deeds: 16 Public Square North, Suite 401, Murfreesboro, TN 37130, (615) 898-7870.
How much are closing costs in Rutherford County?
Closing costs in Rutherford 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 Rutherford County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 4,682 home-purchase mortgages in Rutherford County were about $8,491, of which roughly $4,154 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.