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Harris County (Houston) closing costs

The county-specific transfer tax and deed recording fees for Harris County (Houston), Texas — the local details that change your total beyond the statewide rate.

Source-verified · 2026-Q2FIPS 48201 Official source ↗
Effective transfer tax
none
≈ $0 on a $400,000 home

Transfer tax in Harris County (Houston)

No transfer tax in Texas — only recording fees and title insurance.

Recording fees in Harris County (Houston)

No transfer tax. Deed recording is charged per page (first page ~$26, additional pages ~$4). Title insurance premiums are state-promulgated and identical everywhere.

Official recorder: Harris County (Houston) recorder ↗ — the authoritative source for the current recording fee schedule.

Estimate your Harris County (Houston) closing costs

Pre-set to Texas. County-level taxes above may add to this estimate.

$
%

Estimated closing costs

$9,782

≈ 2.45% of the home price · excludes your down payment

Cash to close

$89,782

incl. down payment

Line-by-line breakdown

Transfer tax (buyer share) $0
Deed & mortgage recording fees $30
Owner's title insurance $2,200
Lender's title insurance $1,232
Lender fees (origination, underwriting, processing) $2,350
Appraisal $550
Credit report & flood cert $70
Home inspection $450
Homeowners insurance (first year) $1,800
Property-tax escrow (~3 months) $1,100

Frequently asked questions

What is the transfer tax in Harris County (Houston)?

Harris County (Houston) (Texas): the applicable real-estate transfer tax works out to about none. No transfer tax in Texas — only recording fees and title insurance.

What are recording fees in Harris County (Houston)?

No transfer tax. Deed recording is charged per page (first page ~$26, additional pages ~$4). Title insurance premiums are state-promulgated and identical everywhere.

How much are closing costs in Harris County (Houston)?

Closing costs in Harris County (Houston) 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.

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