Davis County closing costs
The county-specific transfer tax and deed recording fees for Davis County, Utah - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0%
- ≈ $0 on a $400,000 home
- Typical lender + 3rd-party fees
- $8,189
- median of 3,219 purchase loans · HMDA 2023
Davis County compared with Utah counties
In the verified Utah county records we have, Davis County's effective transfer-tax rate ranks #1 of 3 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 3
- within verified Utah county pages
- Tax at $400,000
- $0
- state baseline $0
- HMDA fee sample
- 3,219
- purchase loans in 2023
Davis County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Davis County
Utah levies NO real estate transfer/excise tax at the state, county, or municipal level — and a constitutional/statutory prohibition (UCA 59-1-101 area; reinforced by 2023-2024 legislative measures) bars any political subdivision, including Davis County and its cities (Layton, Bountiful, Clearfield, etc.), from imposing one. So there is no transfer tax for any party to pay; the only recording-side closing cost is the flat per-document recording fee charged by the Davis County Recorder. By custom in Utah the seller typically pays for the owner's title policy and the buyer pays recording fees, but this is negotiable.
Recording fees in Davis County
$45 per document (for up to 10 property descriptions), plus $2 per additional description beyond the first 10. Subdivision/condo plats: $55 per page plus $2 per lot/unit. Redaction of a recorded document: $10. Document copies: $2/page; certified copies: $5 plus $2/page. Military discharge (DD-214): no fee. Effective May 6, 2026 (statewide increase from $40 to $45 per Utah HB 38 / UCA 17-21-18.5).
Official recorder: Davis County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Davis County
Across 3,219 home-purchase mortgages originated in Davis County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $8,189, of which about $4,705 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 49011, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Davis County closing costs
Pre-set to Utah. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Davis County?
Davis County (Utah): the applicable real-estate transfer tax works out to about 0%. Utah levies NO real estate transfer/excise tax at the state, county, or municipal level — and a constitutional/statutory prohibition (UCA 59-1-101 area; reinforced by 2023-2024 legislative measures) bars any political subdivision, including Davis County and its cities (Layton, Bountiful, Clearfield, etc.), from imposing one. So there is no transfer tax for any party to pay; the only recording-side closing cost is the flat per-document recording fee charged by the Davis County Recorder. By custom in Utah the seller typically pays for the owner's title policy and the buyer pays recording fees, but this is negotiable.
What are recording fees in Davis County?
$45 per document (for up to 10 property descriptions), plus $2 per additional description beyond the first 10. Subdivision/condo plats: $55 per page plus $2 per lot/unit. Redaction of a recorded document: $10. Document copies: $2/page; certified copies: $5 plus $2/page. Military discharge (DD-214): no fee. Effective May 6, 2026 (statewide increase from $40 to $45 per Utah HB 38 / UCA 17-21-18.5).
How much are closing costs in Davis County?
Closing costs in Davis County follow Utah'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 Davis County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 3,219 home-purchase mortgages in Davis County were about $8,189, of which roughly $4,705 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 Utah county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.