Closing costs in Utah
What a buyer or seller pays at the closing table in Utah — the real transfer-tax rate, recording fees, title-insurance method and attorney rules, plus a calculator that uses Utah's actual rates.
- Transfer tax
- 0%
- customarily none-paid
- Recording fee (deed)
- ~$40
- charged per page of the document
- Title insurance
- filed
- ~$4.50 / $1,000
- Attorney at closing
- Not required
Utah in the national transfer-tax dataset
0%, #37 of 51 nationally; at $400,000, that is $640 below the median $640 tax at $400,000. The comparison uses the 51 source-verified state and DC records in the TallyClose dataset; null transfer-tax states count as 0% rather than being filled with an estimate.
- National rank
- #37 of 51
- highest state transfer-tax rate first
- Median-state tax at $400,000
- $640
- Utah: $0
- County coverage
- 3
- 0 with a city-tax field
Utah transfer-tax data: official source linked on this page, reviewed 2026-Q2.
How closing costs work in Utah
The biggest closing-cost variable in Utah is the real-estate transfer tax, which here is 0% and is customarily none-paid. Utah imposes NO state real-estate transfer, deed, documentary, or conveyance tax, and no separate mortgage/recording tax on the loan amount. There are no county or city transfer-tax add-ons either; counties only charge flat recording fees. The only "exemption" needed is that none applies because the tax does not exist.
On a $400,000 home, the state-level transfer tax works out to roughly $0 , before any county or city add-ons. County recording fees are charged per page of the document and run around $40 for the deed.
For title insurance, Utah title-insurance rates are filed with the state and broadly similar between companies, though you can sometimes shop. Utah does not require an attorney at closing — a title or escrow company typically handles settlement, though you can hire an attorney if you want one. Lenders here typically charge $1,400–$3,200 in origination and processing fees, and 2 months of property-tax escrow is commonly collected at closing.
Statute: Utah Code Ann. 17-21-18.5 (recorder fees; $40 per instrument). No statute levies a state transfer tax.. Official source ↗
Utah closing cost calculator
Pre-set to Utah. Adjust your price, down payment and loan type.
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Counties in Utah
County and city taxes can change the total significantly. Open a county for its precise rate.
Frequently asked questions
How much are closing costs in Utah?
In Utah, buyer closing costs typically run about 2%–5% of the purchase price. The state-specific pieces are the transfer tax (0%, customarily none-paid), county recording fees (charged per page of the document, around $40), and title insurance. Utah does not require an attorney at closing. Use the calculator above for your price.
What is the transfer tax in Utah?
Utah's real-estate transfer tax is 0% and is customarily none-paid. Utah imposes NO state real-estate transfer, deed, documentary, or conveyance tax, and no separate mortgage/recording tax on the loan amount. There are no county or city transfer-tax add-ons either; counties only charge flat recording fees. The only "exemption" needed is that none applies because the tax does not exist.
Who pays closing costs in Utah?
Both buyer and seller pay different items. The transfer tax in Utah is customarily none-paid. Buyers generally cover lender fees, the appraisal, lender's title insurance and prepaids; sellers generally cover the agent commission and, in most states, the bulk of the transfer tax. Everything is negotiable in the contract.
Do I need an attorney to close in Utah?
No. Utah does not require an attorney at closing; a title or escrow company typically handles settlement. You may still choose to hire one.
Closest transfer-tax comparisons
Algorithmic neighbors by verified transfer-tax rate, not a static related-links block.
Know when closing-cost rates change
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