Travis County closing costs
The county-specific transfer tax and deed recording fees for Travis 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
- $8,754
- median of 12,935 purchase loans · HMDA 2023
Travis County compared with Texas counties
In the verified Texas county records we have, Travis 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
- 12,935
- purchase loans in 2023
Travis County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Travis County
Texas levies NO state, county, or city real estate transfer/documentary tax — they are prohibited by the Texas Constitution (Art. VIII Sec. 29), so even the City of Austin (the major city in Travis County) imposes none. Closing costs here are recording fees plus title insurance (premiums are state-regulated/promulgated by the TX Dept. of Insurance); by local custom the seller typically pays the owner's title policy and the buyer pays for lender's policy and recording of the deed of trust, though this is negotiable.
Recording fees in Travis County
Deed/real property recording: $25.00 for the first page, $4.00 for each additional page. The last page must have at least 3 inches of blank space at the bottom or an additional page fee applies. Extra names indexed beyond 5 are $0.25 per name. Non-standard/non-compliant documents incur a penalty of $3.00 first page + $2.00 each additional page; a deed missing the grantee's mailing address is charged $20.00 or twice the recording fee, whichever is greater. (Credit-card transactions add a $3 fee under $100 or 3% for $100+.)
Official recorder: Travis County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Travis County
Across 12,935 home-purchase mortgages originated in Travis County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $8,754, of which about $3,737 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 48453, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Travis County closing costs
Pre-set to Texas. County-level taxes above may add to this estimate.
Current source data is loading. Until it finishes, the amount shown is a server-rendered static example and the controls are disabled.
Frequently asked questions
What is the transfer tax in Travis County?
Travis County (Texas): the applicable real-estate transfer tax works out to about none. Texas levies NO state, county, or city real estate transfer/documentary tax — they are prohibited by the Texas Constitution (Art. VIII Sec. 29), so even the City of Austin (the major city in Travis County) imposes none. Closing costs here are recording fees plus title insurance (premiums are state-regulated/promulgated by the TX Dept. of Insurance); by local custom the seller typically pays the owner's title policy and the buyer pays for lender's policy and recording of the deed of trust, though this is negotiable.
What are recording fees in Travis County?
Deed/real property recording: $25.00 for the first page, $4.00 for each additional page. The last page must have at least 3 inches of blank space at the bottom or an additional page fee applies. Extra names indexed beyond 5 are $0.25 per name. Non-standard/non-compliant documents incur a penalty of $3.00 first page + $2.00 each additional page; a deed missing the grantee's mailing address is charged $20.00 or twice the recording fee, whichever is greater. (Credit-card transactions add a $3 fee under $100 or 3% for $100+.)
How much are closing costs in Travis County?
Closing costs in Travis 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 Travis County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 12,935 home-purchase mortgages in Travis County were about $8,754, of which roughly $3,737 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.