Henrico County closing costs
The county-specific transfer tax and deed recording fees for Henrico 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
- $6,029
- median of 3,518 purchase loans · HMDA 2023
Henrico County compared with Virginia counties
In the verified Virginia county records we have, Henrico 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
- 3,518
- purchase loans in 2023
Henrico County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Henrico County
VA has NO percentage county transfer tax set by Henrico itself; transfer/recordation taxes are state-level statutory rates that apply uniformly statewide. The seller-side "transfer tax" is the Virginia GRANTOR TAX (Code Sec. 58.1-802): $0.50 per $500 of price = 0.001 (0.10%), split equally between the state and the locality, paid by the GRANTOR/seller (grantee may agree to pay). The BUYER pays the state recordation tax of $0.25 per $100 = 0.0025 (0.25%) on the deed (Code Sec. 58.1-801), PLUS a local recordation tax equal to 1/3 of the state rate = ~$0.0833 per $100 = ~0.000833 (Code Sec. 58.1-814), which Henrico imposes. Buyer also pays recordation tax on the deed of trust (mortgage) at the state $0.25/$100 rate plus the local 1/3 add-on. Henrico is NOT a Northern Virginia or Hampton Roads locality, so the regional congestion-relief / transportation grantor fees do NOT apply (those affect Alexandria, Fairfax, Falls Church, Manassas, Manassas Park, Arlington, Fairfax Co., Loudoun, Prince William, and HRTAC member jurisdictions only). No incorporated cities exist within Henrico County (Richmond is an independent city, not part of Henrico), so there is no separate city transfer tax. Recording is handled by the Henrico County Circuit Court Clerk (Record Room).
Recording fees in Henrico County
Deeds are recorded under the statewide Virginia Circuit Court Clerk fee schedule (Code of VA Sec. 17.1-275). Base clerk recording fee is tiered by number of pages: $14.50 for a deed up to 10 pages, +$0.50 for each page beyond 10 (plus statutory add-ons such as the Library of Virginia, technology trust fund, and open-space fees that are built into the statewide schedule, totaling roughly $25-30 for a standard 1-2 page deed). PLUS a $5.00 per-instrument fee for every land record filed by paper (effective Jan 1, 2020, Code Sec. 17.1-258.3:1). Subdivision plats: $25 per page. Copies: $0.50/page; certification $2.00. Card payments incur a 2% convenience fee. Henrico Circuit Court directs filers to the Supreme Court of Virginia Deed Calculation Tool for exact recording costs. Record Room: (804) 501-4249.
Official recorder: Henrico County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Henrico County
Across 3,518 home-purchase mortgages originated in Henrico County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $6,029, of which about $2,807 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 51087, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Henrico 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 Henrico County?
Henrico County (Virginia): the applicable real-estate transfer tax works out to about 0.25%. VA has NO percentage county transfer tax set by Henrico itself; transfer/recordation taxes are state-level statutory rates that apply uniformly statewide. The seller-side "transfer tax" is the Virginia GRANTOR TAX (Code Sec. 58.1-802): $0.50 per $500 of price = 0.001 (0.10%), split equally between the state and the locality, paid by the GRANTOR/seller (grantee may agree to pay). The BUYER pays the state recordation tax of $0.25 per $100 = 0.0025 (0.25%) on the deed (Code Sec. 58.1-801), PLUS a local recordation tax equal to 1/3 of the state rate = ~$0.0833 per $100 = ~0.000833 (Code Sec. 58.1-814), which Henrico imposes. Buyer also pays recordation tax on the deed of trust (mortgage) at the state $0.25/$100 rate plus the local 1/3 add-on. Henrico is NOT a Northern Virginia or Hampton Roads locality, so the regional congestion-relief / transportation grantor fees do NOT apply (those affect Alexandria, Fairfax, Falls Church, Manassas, Manassas Park, Arlington, Fairfax Co., Loudoun, Prince William, and HRTAC member jurisdictions only). No incorporated cities exist within Henrico County (Richmond is an independent city, not part of Henrico), so there is no separate city transfer tax. Recording is handled by the Henrico County Circuit Court Clerk (Record Room).
What are recording fees in Henrico County?
Deeds are recorded under the statewide Virginia Circuit Court Clerk fee schedule (Code of VA Sec. 17.1-275). Base clerk recording fee is tiered by number of pages: $14.50 for a deed up to 10 pages, +$0.50 for each page beyond 10 (plus statutory add-ons such as the Library of Virginia, technology trust fund, and open-space fees that are built into the statewide schedule, totaling roughly $25-30 for a standard 1-2 page deed). PLUS a $5.00 per-instrument fee for every land record filed by paper (effective Jan 1, 2020, Code Sec. 17.1-258.3:1). Subdivision plats: $25 per page. Copies: $0.50/page; certification $2.00. Card payments incur a 2% convenience fee. Henrico Circuit Court directs filers to the Supreme Court of Virginia Deed Calculation Tool for exact recording costs. Record Room: (804) 501-4249.
How much are closing costs in Henrico County?
Closing costs in Henrico 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 Henrico County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 3,518 home-purchase mortgages in Henrico County were about $6,029, of which roughly $2,807 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.