El Paso County closing costs
The county-specific transfer tax and deed recording fees for El Paso 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
- $8,253
- median of 6,643 purchase loans · HMDA 2023
El Paso County compared with Texas counties
In the verified Texas county records we have, El Paso 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
- 6,643
- purchase loans in 2023
El Paso County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in El Paso County
Texas levies NO real estate transfer/excise tax at any level — the state constitution (Art. VIII, Sec. 29, adopted 2015/effective 2016) prohibits transfer taxes on real property, so neither El Paso County nor the City of El Paso imposes one (county and city transfer tax = null). Buyer/seller closing costs are allocated by contract; recording fees for the deed are typically paid by the buyer. Only the flat per-document/per-page recording fee applies; there are no stamp taxes.
Recording fees in El Paso County
Deed/real-property recording: $25.00 for the first page (Records Archive $10 + Records Management & Preservation $10 + Recording $5, per Local Gov't Code 118.011/118.001), plus $4.00 for each additional page per document, plus $0.25 per grantor/grantee name after the first 5 names indexed. Certified copy: $5.00 certification + $1.00/page. (Fees reflect the HB 1612 reduction effective Jan 1, 2024.)
Official recorder: El Paso County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in El Paso County
Across 6,643 home-purchase mortgages originated in El Paso County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $8,253, of which about $3,424 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 48141, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your El Paso 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 El Paso County?
El Paso County (Texas): the applicable real-estate transfer tax works out to about none. Texas levies NO real estate transfer/excise tax at any level — the state constitution (Art. VIII, Sec. 29, adopted 2015/effective 2016) prohibits transfer taxes on real property, so neither El Paso County nor the City of El Paso imposes one (county and city transfer tax = null). Buyer/seller closing costs are allocated by contract; recording fees for the deed are typically paid by the buyer. Only the flat per-document/per-page recording fee applies; there are no stamp taxes.
What are recording fees in El Paso County?
Deed/real-property recording: $25.00 for the first page (Records Archive $10 + Records Management & Preservation $10 + Recording $5, per Local Gov't Code 118.011/118.001), plus $4.00 for each additional page per document, plus $0.25 per grantor/grantee name after the first 5 names indexed. Certified copy: $5.00 certification + $1.00/page. (Fees reflect the HB 1612 reduction effective Jan 1, 2024.)
How much are closing costs in El Paso County?
Closing costs in El Paso 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 El Paso County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 6,643 home-purchase mortgages in El Paso County were about $8,253, of which roughly $3,424 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.