Utah County closing costs
The county-specific transfer tax and deed recording fees for Utah 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
- $8,566
- median of 8,423 purchase loans · HMDA 2023
Utah County compared with Utah counties
In the verified Utah county records we have, Utah 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
- 8,423
- purchase loans in 2023
Utah County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Utah County
Utah imposes NO state, county, or city real-estate transfer, deed, documentary, or conveyance tax, and no mortgage/recording tax on the loan amount — Utah County levies none. (A 2023-2024 legislative effort sought to constitutionally prohibit such taxes; it did not reach the ballot.) Counties charge only a flat recording fee, which is statutorily set statewide and identical across Utah counties.
Recording fees in Utah County
Deed/document recording: $40.00 per document (flat), plus $2.00 for each additional description or unit over ten. Subdivision maps $50.00/page + $2.00/lot. Copies $1.00/page; certification $5.00. Fees set by the Utah State Legislature effective May 14, 2019 (Utah Code 17-21-18.5).
Official recorder: Utah County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Utah County
Across 8,423 home-purchase mortgages originated in Utah County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $8,566, of which about $5,357 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 49049, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Utah 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 Utah County?
Utah County (Utah): the applicable real-estate transfer tax works out to about 0%. Utah imposes NO state, county, or city real-estate transfer, deed, documentary, or conveyance tax, and no mortgage/recording tax on the loan amount — Utah County levies none. (A 2023-2024 legislative effort sought to constitutionally prohibit such taxes; it did not reach the ballot.) Counties charge only a flat recording fee, which is statutorily set statewide and identical across Utah counties.
What are recording fees in Utah County?
Deed/document recording: $40.00 per document (flat), plus $2.00 for each additional description or unit over ten. Subdivision maps $50.00/page + $2.00/lot. Copies $1.00/page; certification $5.00. Fees set by the Utah State Legislature effective May 14, 2019 (Utah Code 17-21-18.5).
How much are closing costs in Utah County?
Closing costs in Utah 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 Utah County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 8,423 home-purchase mortgages in Utah County were about $8,566, of which roughly $5,357 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.