U.S. · Mortgage & closing costs
Transfer tax calculator by state.
Short answer: pick the state, enter the sale price, and see the deed transfer, doc stamp or mansion tax under each statute, and who pays what. A $400,000 home costs $2,800 in Florida doc stamps, $400 in Georgia and $3,215 in New Jersey. A $1.2 million New York home adds a 1% buyer-paid mansion tax. Covers FL, GA, PA, NJ, NY (with NYC), TN, IA, ME and CA, for residential sales. Runs in your browser; nothing is stored.
Inputs
Your transfer tax
Fill the form and press Calculate.
How this calculator works
Each state's tax is computed from the rate in its statute or tax-agency page, applied to the sale price you enter. Per-$100 and per-$500 taxes count a fractional unit as a whole one, as the statutes say. The price is taken as the full consideration; in Florida and Iowa the consideration includes any mortgage the buyer assumes. The tool covers residential sales (houses, condos, co-ops) with no exemptions or credits.
- Florida: $0.70 per $100 on the deed. Customarily paid by the seller.
- Georgia: $1 for the first $1,000, then $0.10 per $100. The seller is liable, though contracts often shift it.
- Pennsylvania: 1% state tax plus a local tax you enter, customarily split 50/50.
- New Jersey: the realty transfer fee, charged by $500 band (for a price over $350,000: $2.90 on the first $150,000, $4.25 to $200,000, $4.80 to $550,000, $5.30 to $850,000, $5.80 to $1,000,000, $6.05 above), plus the Graduated Percent Fee on the full price of 1% over $1M, 2% over $2M, 2.5% over $2.5M, 3% over $3M and 3.5% over $3.5M. Both are on the seller. The standard schedule for a price at or under $350,000 uses $2.00, $3.35 and $3.90 per $500; the senior, disabled and low-income schedules are not modelled.
- New York: $2 per $500 state tax (seller); 1% mansion tax at $1M or more (buyer). In NYC add the $1.25 per $500 additional base tax at $3M or more (seller), the supplemental tax of 0.25% ($2M to under $3M), 0.5% ($3M to under $5M), 1.25% ($5M to under $10M), 2.25% ($10M to under $15M), 2.5% ($15M to under $20M), 2.75% ($20M to under $25M) or 2.9% ($25M and up) of the full price (buyer), and the city RPT of 1% up to $500,000 or 1.425% above it on houses, condo units and co-op apartments (customarily the seller).
- Tennessee: $0.37 per $100. Customarily paid by the buyer.
- Iowa: $0.80 per $500 above the first $500. Customarily the seller.
- Maine: $2.20 per $500, plus $3.80 per $500 on the value over $1,000,000 (effective November 1, 2025), each split half to the grantor and half to the grantee by statute.
- California: county tax of $0.55 per $500 ($1.10 per $1,000), excluding liens remaining on the property. Cities may add their own; enter it if so.
“Customarily” marks who commonly pays when the statute does not decide; it is a default you can override with the split option. It is not legal advice, and local practice and your contract control.
Worked examples
- Florida, $400,000: $400,000 ÷ $100 = 4,000 units × $0.70 = $2,800.
- Georgia, $400,000: $1 + (3,990 units of $100 × $0.10) = $400.
- New Jersey, $400,000: $870 + $425 + $1,920 = $3,215, all on the seller. At $1.5 million: $15,625 fee plus $15,000 Graduated Percent Fee = $30,625.
- New York outside NYC, $1.2 million: $4,800 state tax (seller) plus $12,000 mansion tax (buyer) = $16,800.
- NYC, $4 million: $16,000 state + $10,000 additional base + $57,000 city RPT on the seller ($83,000), $40,000 mansion + $20,000 supplemental on the buyer ($60,000). Total $143,000.
- Maine, $1.2 million: $5,280 + $1,520 = $6,800, $3,400 each.
What is not included
Mortgage-side taxes (Florida taxes on a new note, Georgia intangible tax, Tennessee mortgage tax, New York mortgage recording tax), recording fees, title insurance, lender fees, commissions, county and city add-ons other than those you can type in, Miami-Dade and other county surtaxes, and local taxes in cities such as Yonkers or Philadelphia. Exemptions, such as transfers between spouses or inherited property, are not modelled either.
Sources
- Florida Statutes 201.02 (70 cents per $100)
- Georgia Department of Revenue: Real Estate Transfer Tax (O.C.G.A. 48-6-1)
- Pennsylvania Department of Revenue: Realty Transfer Tax (1% state tax, additional local tax; 72 P.S. 8102-C)
- NJ Division of Taxation: Realty Transfer Fee and the fee schedule (N.J.S.A. 46:15-7.2)
- NY Tax Department: Real estate transfer tax (Tax Law 1402, 1402-a) and TP-584-NYC-I (NYC additional base and supplemental taxes)
- NYC Department of Finance: Real Property Transfer Tax
- Tennessee Department of Revenue: Recordation tax rates
- Iowa Code 428A.1
- 36 M.R.S. 4641-A (as amended effective November 1, 2025)
- California Revenue and Taxation Code 11911
Sources reviewed October 2, 2026. Rates change; confirm with your closing agent or title company before relying on a figure. This site has no relationship with any state agency, lender or title company.
Transfer tax FAQ
How much are Florida documentary stamps on a home sale?
Florida charges 70 cents per $100 of consideration, or fractional part, on the deed (Fla. Stat. 201.02(1)(a)). The consideration includes any mortgage the buyer assumes. On a $400,000 sale that is $2,800. The statute does not say who pays it; the seller customarily does, but the contract can say otherwise. Taxes on a new mortgage note are separate and not included here.
What is the New York mansion tax and who pays it?
New York charges the buyer an additional tax of 1% of the price on residential conveyances of $1 million or more (Tax Law 1402-a), statewide. In New York City the buyer also owes a supplemental tax of 0.25% to 2.9% of the full price once the price reaches $2 million, using the bracket the whole price falls in. The seller pays the $2 per $500 state tax, and in NYC the additional base tax from $3 million and the city Real Property Transfer Tax.
Is the New Jersey mansion tax paid by the buyer or the seller?
The New Jersey Division of Taxation states that the seller is statutorily responsible for the Graduated Percent Fee, which replaced the old flat 1% buyer-paid fee for sales above $1 million. It runs from 1% of the full price (over $1 million) up to 3.5% (over $3.5 million). Contracts sometimes shift the cost, but the tax is assessed on the seller. This tool shows it on the seller side.
Do all states charge a transfer tax?
No. This tool covers nine states that do. Other states and many counties or cities levy their own taxes or none at all, and rates differ widely. If your state is not listed, check the county recorder or your closing agent; this page does not model it.
What closing costs are not in this calculator?
Title insurance premiums, lender fees, mortgage recording and intangible taxes (such as Florida taxes on a new mortgage note), agent commissions, escrow or attorney fees and local add-ons are not calculated here, because they depend on your lender, title company and county. Enter any amounts you have been quoted in the optional buyer and seller boxes and they are added to the totals as typed.
Why does my county or city charge more than this tool shows?
Several jurisdictions add their own transfer taxes on top of the state tax. Pennsylvania municipalities and school districts add a local tax, California cities can add their own, and a few New York cities outside NYC do too. This tool lets you type your local rate for Pennsylvania and California. Check with your county recorder or closing agent for the exact figure.
Disclaimer
Educational estimate, not tax, legal or closing advice. Exemptions, local taxes and contract terms change the real amount. Your closing agent or title company calculates the official figure.