Collin County closing costs
The county-specific transfer tax and deed recording fees for Collin County, Texas - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- none
- ≈ $0 on a $400,000 home
- Typical lender + 3rd-party fees
- $8,359
- median of 17,951 purchase loans · HMDA 2023
Collin County compared with Texas counties
In the verified Texas county records we have, Collin County's effective transfer-tax rate ranks #1 of 21 by highest rate. At $400,000, the county-specific transfer tax is $0, which is the same as the state-level calculation before city surtaxes.
- County rank
- #1 of 21
- within verified Texas county pages
- Tax at $400,000
- $0
- state baseline $0
- HMDA fee sample
- 17,951
- purchase loans in 2023
Collin County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Collin County
No transfer tax at any level: Texas constitutionally prohibits real-estate transfer taxes (2015 Proposition 1, effective 2016), barring both the state and all counties/cities — so Collin County and its major cities (Plano, McKinney, Frisco, Allen) levy none. The only document cost at closing is the per-page recording fee paid to the County Clerk; recording of the deed/instruments is customarily paid by the buyer (or split per contract), and title/escrow services are typically handled by a title company per Texas custom.
Recording fees in Collin County
Collin County Clerk records real property documents (deeds) at $25.00 for the first page (this all-in figure already includes the state-mandated records-management and records-archive surcharges) and $4.00 for each additional page. Add $0.25 for each name to be indexed in excess of 5 names. A required 4-inch margin at the bottom of the last page (or any marking on a page's back side) counts as an extra page. Example totals: 1 page $25, 2 pages $29, 3 pages $33, 5 pages $40. Certified copies $5.00 plus $1.00/page; standard copies $1.00/page. (Some local-attorney references quote $26 first page; the $25 figure is the all-surcharges-included amount.)
Official recorder: Collin County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Collin County
Across 17,951 home-purchase mortgages originated in Collin County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $8,359, of which about $3,340 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 48085, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Collin County closing costs
Pre-set to Texas. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Collin County?
Collin County (Texas): the applicable real-estate transfer tax works out to about none. No transfer tax at any level: Texas constitutionally prohibits real-estate transfer taxes (2015 Proposition 1, effective 2016), barring both the state and all counties/cities — so Collin County and its major cities (Plano, McKinney, Frisco, Allen) levy none. The only document cost at closing is the per-page recording fee paid to the County Clerk; recording of the deed/instruments is customarily paid by the buyer (or split per contract), and title/escrow services are typically handled by a title company per Texas custom.
What are recording fees in Collin County?
Collin County Clerk records real property documents (deeds) at $25.00 for the first page (this all-in figure already includes the state-mandated records-management and records-archive surcharges) and $4.00 for each additional page. Add $0.25 for each name to be indexed in excess of 5 names. A required 4-inch margin at the bottom of the last page (or any marking on a page's back side) counts as an extra page. Example totals: 1 page $25, 2 pages $29, 3 pages $33, 5 pages $40. Certified copies $5.00 plus $1.00/page; standard copies $1.00/page. (Some local-attorney references quote $26 first page; the $25 figure is the all-surcharges-included amount.)
How much are closing costs in Collin County?
Closing costs in Collin County follow Texas'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 Collin County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 17,951 home-purchase mortgages in Collin County were about $8,359, of which roughly $3,340 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 Texas county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.