Spokane County closing costs
The county-specific transfer tax and deed recording fees for Spokane County, Washington - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.5%
- ≈ $2,000 on a $400,000 home
- City transfer tax
- 0.5%
- where the city levies its own
- Typical lender + 3rd-party fees
- $8,003
- median of 5,248 purchase loans · HMDA 2023
Spokane County compared with Washington counties
In the verified Washington county records we have, Spokane County's effective transfer-tax rate ranks #3 of 5 by highest rate. At $400,000, the county-specific transfer tax is $2,000, which is $3,120 below the state-level calculation before city surtaxes.
- County rank
- #3 of 5
- within verified Washington county pages
- Tax at $400,000
- $2,000
- state baseline $5,120
- HMDA fee sample
- 5,248
- purchase loans in 2023
Spokane County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Spokane County
WA has no traditional transfer/deed-stamp tax; instead it levies a Real Estate Excise Tax (REET) on the sale, customarily PAID BY THE SELLER. REET = STATE graduated portion + LOCAL portion. STATE portion (state-level, not county): graduated by selling price — 1.1% up to $525,000; 1.28% $525,000.01–$1,525,000; 2.75% $1,525,000.01–$3,025,000; 3.0% above $3,025,000 (thresholds in effect through 12/31/2026). LOCAL REET portion is imposed by the county/city and is the county-level moat data: Spokane County is uniformly 0.50% (0.005) — Spokane County Unincorporated 0.50%, City of Spokane 0.50%, Spokane Valley 0.50%, Liberty Lake 0.50%, Airway Heights/Cheney/Deer Park/Millwood/Medical Lake 0.50%. (A few small towns differ: Fairfield/Latah/Rockford/Spangle 0.25%, Waverly 0.00%.) So the 0.50% local surcharge applies in all population centers (county_transfer_tax_rate and city_transfer_tax_rate both = 0.005). Total seller REET on a typical home = state graduated rate + 0.50% local. Recording fees are buyer-side closing costs. Deed recording effected by the Spokane County Auditor.
Recording fees in Spokane County
Standard recorded document (e.g., deed): $303.50 first page, $1.00 each additional page (effective July 27, 2025). Non-standard documents: +$50.00 fee plus signed cover sheet in addition to normal recording fees. Fees set by WA State Legislature per RCW 36.18 and 36.22. Source: Spokane County Auditor Recording/Filing & Fee Schedule.
Official recorder: Spokane County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Spokane County
Across 5,248 home-purchase mortgages originated in Spokane County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $8,003, of which about $4,798 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 53063, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Spokane County closing costs
Pre-set to Washington. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Spokane County?
Spokane County (Washington): the applicable real-estate transfer tax works out to about 0.5%, before any additional city tax. WA has no traditional transfer/deed-stamp tax; instead it levies a Real Estate Excise Tax (REET) on the sale, customarily PAID BY THE SELLER. REET = STATE graduated portion + LOCAL portion. STATE portion (state-level, not county): graduated by selling price — 1.1% up to $525,000; 1.28% $525,000.01–$1,525,000; 2.75% $1,525,000.01–$3,025,000; 3.0% above $3,025,000 (thresholds in effect through 12/31/2026). LOCAL REET portion is imposed by the county/city and is the county-level moat data: Spokane County is uniformly 0.50% (0.005) — Spokane County Unincorporated 0.50%, City of Spokane 0.50%, Spokane Valley 0.50%, Liberty Lake 0.50%, Airway Heights/Cheney/Deer Park/Millwood/Medical Lake 0.50%. (A few small towns differ: Fairfield/Latah/Rockford/Spangle 0.25%, Waverly 0.00%.) So the 0.50% local surcharge applies in all population centers (county_transfer_tax_rate and city_transfer_tax_rate both = 0.005). Total seller REET on a typical home = state graduated rate + 0.50% local. Recording fees are buyer-side closing costs. Deed recording effected by the Spokane County Auditor.
What are recording fees in Spokane County?
Standard recorded document (e.g., deed): $303.50 first page, $1.00 each additional page (effective July 27, 2025). Non-standard documents: +$50.00 fee plus signed cover sheet in addition to normal recording fees. Fees set by WA State Legislature per RCW 36.18 and 36.22. Source: Spokane County Auditor Recording/Filing & Fee Schedule.
How much are closing costs in Spokane County?
Closing costs in Spokane County follow Washington'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 Spokane County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 5,248 home-purchase mortgages in Spokane County were about $8,003, of which roughly $4,798 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 Washington county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.