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Williamson County closing costs

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

Williamson County county closing-cost photography
Source-verified · 2026-Q2FIPS 48491 Official source ↗
Effective transfer tax
none
≈ $0 on a $400,000 home
Typical lender + 3rd-party fees
$8,317
median of 12,121 purchase loans · HMDA 2023

Williamson County compared with Texas counties

In the verified Texas county records we have, Williamson 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
12,121
purchase loans in 2023

Williamson County transfer-tax data: official source linked on this page, reviewed 2026-Q2.

Transfer tax in Williamson County

No transfer/excise tax — Texas has no state real estate transfer tax (constitutionally prohibited via Tex. Const. Art. 8, Sec. 29 since 2016) and Williamson County levies none; no Williamson County city (Round Rock, Georgetown, Cedar Park, Leander) imposes one either. Buyer customarily pays deed/mortgage recording fees at closing; recording fees are flat per-document (not price-based). Williamson County Clerk: Nancy E. Rister.

Recording fees in Williamson County

Deed (real property) recording, per official Williamson County Clerk schedule effective 1-1-2024: First page = $25.00 total (composed of $5 filing/recording fee incl. indexing + $10 Records Management & Preservation Fee + $10 Archive Fee). Each additional page = $4.00. Each name indexed over the first five = $0.25/name. Missing grantee mailing address (Tex. Property Code 11.003) = $25. Illegible/non-conforming page may be returned at twice the page fee (Local Gov. Code 191.007(h)). Plat (1st page) = $95, additional plat pages $75/page. Copies $1/page; certified copies $1/page + $5 certification. Authority: Texas Local Government Code Chap. 118.011.

Official recorder: Williamson County recorder ↗ — the authoritative source for the current recording fee schedule.

What lenders actually charge in Williamson County

Across 12,121 home-purchase mortgages originated in Williamson County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $8,317, of which about $3,830 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 48491, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.

Estimate your Williamson County closing costs

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

$
%

Estimated closing costs

$9,102

≈ 2.28% of the home price · excludes your down payment

Cash to close

$89,102

incl. down payment

0 of 3 line items settled

Based on dataset June 2026. View rule changes

Get notified when this dataset is revised

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Line-by-line breakdown

Transfer tax (buyer share) verified source $0
Deed & mortgage recording fees verified source $30
Owner's title insurance verified source $2,262
Lender's title insurance verified source $100
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) estimate $1,490

Frequently asked questions

What is the transfer tax in Williamson County?

Williamson County (Texas): the applicable real-estate transfer tax works out to about none. No transfer/excise tax — Texas has no state real estate transfer tax (constitutionally prohibited via Tex. Const. Art. 8, Sec. 29 since 2016) and Williamson County levies none; no Williamson County city (Round Rock, Georgetown, Cedar Park, Leander) imposes one either. Buyer customarily pays deed/mortgage recording fees at closing; recording fees are flat per-document (not price-based). Williamson County Clerk: Nancy E. Rister.

What are recording fees in Williamson County?

Deed (real property) recording, per official Williamson County Clerk schedule effective 1-1-2024: First page = $25.00 total (composed of $5 filing/recording fee incl. indexing + $10 Records Management & Preservation Fee + $10 Archive Fee). Each additional page = $4.00. Each name indexed over the first five = $0.25/name. Missing grantee mailing address (Tex. Property Code 11.003) = $25. Illegible/non-conforming page may be returned at twice the page fee (Local Gov. Code 191.007(h)). Plat (1st page) = $95, additional plat pages $75/page. Copies $1/page; certified copies $1/page + $5 certification. Authority: Texas Local Government Code Chap. 118.011.

How much are closing costs in Williamson County?

Closing costs in Williamson 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 Williamson County?

In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 12,121 home-purchase mortgages in Williamson County were about $8,317, of which roughly $3,830 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.

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