Montana transfer tax
Montana has no real estate transfer tax. Neither the buyer nor the seller pays a tax on the deed. Recording fees still apply.
Below is what a Montana seller and buyer pay at closing instead. The calculator uses Montana rates. Rates checked 2026-09-29.
Free Montana seller net sheet calculator
Change any number and the local costs update.
| Real estate commission (5%) | −$19,750 |
| First mortgage payoff | −$235,000 |
| Release / satisfaction recording | −$16 |
| Title insurance and settlement | −$1,784 |
| Other closing fees | −$45 |
| Estimated net to seller | $138,405 |
What do Montana sellers pay instead of a transfer tax?
A Montana seller pays about $1,845 before commission on a $395,000 home. With no transfer tax, it is mostly title, settlement and recording:
| Cost | Seller |
|---|---|
| Owner's title insurance policy | $1,434 |
| Settlement / closing fee | $350 |
| Release / satisfaction recording | $16 |
| Wire / courier / payoff processing | $45 |
Checked 2026-09-29. These are estimates, not tax advice. The title or escrow company confirms the final figures.
Montana transfer tax questions
Does Montana have a transfer tax?
No. Montana does not charge a real estate transfer tax on deeds. There is none at the state, county or city level.
What do sellers pay instead in Montana?
About $1,845 before commission on a $395,000 home. That covers the owner's title policy where the seller pays it by custom, a share of the settlement fee and recording the payoff release. Commission and the property tax proration come on top.
What does a buyer pay at closing in Montana?
About $5,716 on a $395,000 home with 20% down. That covers lender fees, the lender's title policy and recording. Prepaids and the down payment come on top.
Run a Montana seller net sheet.
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