Chesterfield County closing costs
The county-specific transfer tax and deed recording fees for Chesterfield County, Virginia - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.25%
- ≈ $1,000 on a $400,000 home
- Typical lender + 3rd-party fees
- $7,100
- median of 4,861 purchase loans · HMDA 2023
Chesterfield County compared with Virginia counties
In the verified Virginia county records we have, Chesterfield County's effective transfer-tax rate ranks #1 of 6 by highest rate. At $400,000, the county-specific transfer tax is $1,000, which is the same as the state-level calculation before city surtaxes.
- County rank
- #1 of 6
- within verified Virginia county pages
- Tax at $400,000
- $1,000
- state baseline $1,000
- HMDA fee sample
- 4,861
- purchase loans in 2023
Chesterfield County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Chesterfield County
Virginia's transfer tax is the STATE grantor tax (Va. Code §58.1-802): $0.50 per $500 of value = $1.00/$1,000 = 0.001 of price, paid by the GRANTOR (seller); grantor and grantee may agree to shift it. Revenue is split 50/50 between the state treasury and the locality, but the RATE is uniform statewide — Chesterfield does NOT levy a separate county transfer/excise tax on top, so county_transfer_tax_rate = null. Separately, the buyer pays the state recordation tax (§58.1-801) of $0.25 per $100 = 0.0025 of price on the deed, plus a local recordation tax equal to 1/3 of the state rate (§58.1-814) — these are recordation taxes on the instrument, not a seller transfer tax. The Northern Virginia regional grantor fees (WMATA §58.1-802.3, congestion relief §58.1-802.4) and the Hampton Roads regional fee (§58.1-802.5) do NOT apply to Chesterfield — it is in the Richmond metro area, not NVTA and not a Hampton Roads transportation district. No municipal/city transfer tax. Clerk of Circuit Court: Amanda L. Pohl.
Recording fees in Chesterfield County
Deed recording fees are set statewide by Va. Code §17.1-275 (uniform across all VA circuit courts, including Chesterfield). Typical deed-in-deed-book base fee is about $26 (breakdown $14.50 clerk + $3.50 Library of Virginia recording/indexing + $5.00 + $3.00) plus $0.50 per page (§17.1-275(A)(8)) and a $5.00 Technology Trust Fund fee per recording. Copies $0.50/page; certified copy +$2.00. Land Records/Deed Recording division: 804-748-1246, CCCLandRecords@chesterfield.gov. Use the VA Supreme Court deed-calculation tool (select Chesterfield Circuit Court) for an exact per-document figure. Official Circuit Court Fee Schedule: https://www.vacourts.gov/static/courts/circuit/resources/manuals/appendixc.pdf
Official recorder: Chesterfield County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Chesterfield County
Across 4,861 home-purchase mortgages originated in Chesterfield County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $7,100, of which about $3,551 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 51041, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Chesterfield County closing costs
Pre-set to Virginia. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Chesterfield County?
Chesterfield County (Virginia): the applicable real-estate transfer tax works out to about 0.25%. Virginia's transfer tax is the STATE grantor tax (Va. Code §58.1-802): $0.50 per $500 of value = $1.00/$1,000 = 0.001 of price, paid by the GRANTOR (seller); grantor and grantee may agree to shift it. Revenue is split 50/50 between the state treasury and the locality, but the RATE is uniform statewide — Chesterfield does NOT levy a separate county transfer/excise tax on top, so county_transfer_tax_rate = null. Separately, the buyer pays the state recordation tax (§58.1-801) of $0.25 per $100 = 0.0025 of price on the deed, plus a local recordation tax equal to 1/3 of the state rate (§58.1-814) — these are recordation taxes on the instrument, not a seller transfer tax. The Northern Virginia regional grantor fees (WMATA §58.1-802.3, congestion relief §58.1-802.4) and the Hampton Roads regional fee (§58.1-802.5) do NOT apply to Chesterfield — it is in the Richmond metro area, not NVTA and not a Hampton Roads transportation district. No municipal/city transfer tax. Clerk of Circuit Court: Amanda L. Pohl.
What are recording fees in Chesterfield County?
Deed recording fees are set statewide by Va. Code §17.1-275 (uniform across all VA circuit courts, including Chesterfield). Typical deed-in-deed-book base fee is about $26 (breakdown $14.50 clerk + $3.50 Library of Virginia recording/indexing + $5.00 + $3.00) plus $0.50 per page (§17.1-275(A)(8)) and a $5.00 Technology Trust Fund fee per recording. Copies $0.50/page; certified copy +$2.00. Land Records/Deed Recording division: 804-748-1246, CCCLandRecords@chesterfield.gov. Use the VA Supreme Court deed-calculation tool (select Chesterfield Circuit Court) for an exact per-document figure. Official Circuit Court Fee Schedule: https://www.vacourts.gov/static/courts/circuit/resources/manuals/appendixc.pdf
How much are closing costs in Chesterfield County?
Closing costs in Chesterfield County follow Virginia'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 Chesterfield County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 4,861 home-purchase mortgages in Chesterfield County were about $7,100, of which roughly $3,551 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 Virginia county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.