Montgomery County closing costs
The county-specific transfer tax and deed recording fees for Montgomery 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
- $8,361
- median of 11,992 purchase loans · HMDA 2023
Montgomery County compared with Texas counties
In the verified Texas county records we have, Montgomery 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
- 11,992
- purchase loans in 2023
Montgomery County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Montgomery County
Texas levies NO real estate transfer/excise tax at the state, county, or city level — a transfer tax is constitutionally prohibited (2016 amendment from 2015 Proposition 1), so both county and city transfer tax are null. The only deed-related government charge at closing is the county clerk recording fee ($25 first page + $4/additional page). Recording fees are customarily paid by the buyer in Texas.
Recording fees in Montgomery County
Real property (deed) recording per official Montgomery County Clerk schedule (updated Jan 1, 2025): first page TOTAL $25 = $5 recording fee + $10 records management + $10 records archive fee (Loc. Gov't Code 118.011); each additional page $4; each 8.5"x14" attachment/rider $4; $0.25 per name indexed in excess of 5 names; $25 penalty fee for no grantee's address on a deed. Plain copies $1/page; certified copies $5/document set.
Official recorder: Montgomery County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Montgomery County
Across 11,992 home-purchase mortgages originated in Montgomery County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $8,361, of which about $3,560 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 48339, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Montgomery 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 Montgomery County?
Montgomery 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 — a transfer tax is constitutionally prohibited (2016 amendment from 2015 Proposition 1), so both county and city transfer tax are null. The only deed-related government charge at closing is the county clerk recording fee ($25 first page + $4/additional page). Recording fees are customarily paid by the buyer in Texas.
What are recording fees in Montgomery County?
Real property (deed) recording per official Montgomery County Clerk schedule (updated Jan 1, 2025): first page TOTAL $25 = $5 recording fee + $10 records management + $10 records archive fee (Loc. Gov't Code 118.011); each additional page $4; each 8.5"x14" attachment/rider $4; $0.25 per name indexed in excess of 5 names; $25 penalty fee for no grantee's address on a deed. Plain copies $1/page; certified copies $5/document set.
How much are closing costs in Montgomery County?
Closing costs in Montgomery 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 Montgomery County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 11,992 home-purchase mortgages in Montgomery County were about $8,361, of which roughly $3,560 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.