Lubbock County closing costs
The county-specific transfer tax and deed recording fees for Lubbock 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
- $6,539
- median of 3,617 purchase loans · HMDA 2023
Lubbock County compared with Texas counties
In the verified Texas county records we have, Lubbock 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
- 3,617
- purchase loans in 2023
Lubbock County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Lubbock County
Texas levies NO real-estate transfer/excise tax at the state, county, OR city level — the Texas Constitution (Art. VIII, since the 2016 amendment) prohibits any real-property transfer tax, so Lubbock County and the City of Lubbock cannot and do not impose one. The only mandatory governmental cost at closing tied to the deed is the County Clerk recording fee (see schedule). By custom in Texas, recording fees for the warranty deed are typically paid by the buyer, while the seller pays recording costs to clear/release existing liens; this is negotiable per the sales contract. No documentary stamp tax exists (unlike FL). Title insurance premiums in TX are state-regulated (set by the TX Dept. of Insurance), not a county item.
Recording fees in Lubbock County
Deed/real property recording (Lubbock County Clerk fee schedule, effective 1/1/2024): $25.00 for the first page of a real property record (includes all statutory surcharges — records management, archive, courthouse security), $4.00 for each additional page, and $0.25 for each additional name to be indexed in excess of 5. Tiered example: 1 page = $25.00, up to 5 pages = $40.00.
Official recorder: Lubbock County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Lubbock County
Across 3,617 home-purchase mortgages originated in Lubbock County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $6,539, of which about $1,750 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 48303, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Lubbock 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 Lubbock County?
Lubbock County (Texas): the applicable real-estate transfer tax works out to about none. Texas levies NO real-estate transfer/excise tax at the state, county, OR city level — the Texas Constitution (Art. VIII, since the 2016 amendment) prohibits any real-property transfer tax, so Lubbock County and the City of Lubbock cannot and do not impose one. The only mandatory governmental cost at closing tied to the deed is the County Clerk recording fee (see schedule). By custom in Texas, recording fees for the warranty deed are typically paid by the buyer, while the seller pays recording costs to clear/release existing liens; this is negotiable per the sales contract. No documentary stamp tax exists (unlike FL). Title insurance premiums in TX are state-regulated (set by the TX Dept. of Insurance), not a county item.
What are recording fees in Lubbock County?
Deed/real property recording (Lubbock County Clerk fee schedule, effective 1/1/2024): $25.00 for the first page of a real property record (includes all statutory surcharges — records management, archive, courthouse security), $4.00 for each additional page, and $0.25 for each additional name to be indexed in excess of 5. Tiered example: 1 page = $25.00, up to 5 pages = $40.00.
How much are closing costs in Lubbock County?
Closing costs in Lubbock 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 Lubbock County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 3,617 home-purchase mortgages in Lubbock County were about $6,539, of which roughly $1,750 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.