Pennsylvania transfer tax calculator
Pennsylvania charges the state realty transfer tax at 1%. On a $245,000 home at statewide rates, that comes to $4,900. By custom, the seller pays $2,450 and the buyer $2,450. In some places, 46 county and city taxes add to it.
Below is every Pennsylvania transfer tax rate, state, county and city, and who pays it by custom. Pick a county in the calculator to add local rates. Rates checked 2026-09-30.
Free Pennsylvania seller net sheet calculator
Change any number and the local costs update.
| Real estate commission (5%) | −$12,250 |
| First mortgage payoff | −$145,000 |
| State realty transfer tax | −$1,225 |
| Local realty transfer tax (municipality + school district) | −$1,225 |
| Release / satisfaction recording | −$90 |
| Title insurance and settlement | −$150 |
| Other closing fees | −$50 |
| Estimated net to seller | $85,010 |
How much is the transfer tax in Pennsylvania?
On a $245,000 home, it is about $4,900 at statewide rates. The table lists the state rules and all 46 county and city taxes, with who pays each one by custom.
| Tax | Level | Rate | Who pays by custom |
|---|---|---|---|
| State realty transfer tax | State | 1% | Split 50/50 |
| Local realty transfer tax (municipality + school district)Applies: except Philadelphia, Pittsburgh, Reading, Scranton, Wilkes-Barre, Pittston, Coatesville, State College, McKeesport, Penn Hills, Mount Oliver, Hermitage, Sharon, Farrell, Greenville, Upper Providence, Ferguson, Upper Darby, Radnor, Tredyffrin, Malvern, Chester, Mt. Lebanon, Bethel Park, Monroeville, McCandless, Hampton, Pine, O'Hara, Upper St. Clair, West Deer, Green Tree, Bellevue, Whitehall, Peters, Greensburg, Murrysville, Kingston, Edinboro | City | 1% (typical: 0.5% municipality + 0.5% school district) | Split 50/50 |
| Local realty transfer tax (municipality + school district)Applies: Peters; except Washington | City | 1% (typical: 0.5% municipality + 0.5% school district) | Split 50/50 |
| Local realty transfer tax (municipality + school district)Applies: Hampton, Pine, Whitehall; except Allegheny | City | 1% (typical: 0.5% municipality + 0.5% school district) | Split 50/50 |
| Local realty transfer tax (municipality + school district)Applies: Ferguson; except Centre | City | 1% (typical: 0.5% municipality + 0.5% school district) | Split 50/50 |
| Local realty transfer tax (municipality + school district)Applies: Upper Providence, Chester; except Delaware | City | 1% (typical: 0.5% municipality + 0.5% school district) | Split 50/50 |
| Local realty transfer tax (municipality + school district)Applies: Sharon, Greenville; except Mercer | City | 1% (typical: 0.5% municipality + 0.5% school district) | Split 50/50 |
| Local realty transfer tax (municipality + school district)Applies: Reading; except Berks | City | 1% (typical: 0.5% municipality + 0.5% school district) | Split 50/50 |
| Philadelphia realty transfer tax | City | 3.578% (total with state 4.578%) | Split 50/50 |
| Pittsburgh realty transfer tax (city + school district) | City | 4% (total with state 5%) | Split 50/50 |
| Reading realty transfer tax (city + school district)Applies: Berks County | City | 4% (total with state 5%) | Split 50/50 |
| Scranton realty transfer tax (city + school district) | City | 2.7% (total with state 3.7%) | Split 50/50 |
| Wilkes-Barre realty transfer tax (municipality + school district) | City | 2.5% (total with state 3.5%) | Split 50/50 |
| Pittston realty transfer tax (municipality + school district) | City | 2.25% (total with state 3.25%) | Split 50/50 |
| Coatesville realty transfer tax (municipality + school district) | City | 2% (total with state 3%) | Split 50/50 |
| State College realty transfer tax (municipality + school district) | City | 2% (total with state 3%) | Split 50/50 |
| McKeesport realty transfer tax (municipality + school district) | City | 2% (total with state 3%) | Split 50/50 |
| Penn Hills realty transfer tax (municipality + school district) | City | 2% (total with state 3%) | Split 50/50 |
| Mount Oliver realty transfer tax (municipality + school district) | City | 2% (total with state 3%) | Split 50/50 |
| Hermitage realty transfer tax (municipality + school district) | City | 2% (total with state 3%) | Split 50/50 |
| Sharon realty transfer tax (municipality + school district)Applies: Mercer County | City | 2% (total with state 3%) | Split 50/50 |
| Farrell realty transfer tax (municipality + school district) | City | 2% (total with state 3%) | Split 50/50 |
| Greenville realty transfer tax (municipality + school district)Applies: Mercer County | City | 2% (total with state 3%) | Split 50/50 |
| Upper Providence realty transfer tax (municipality + school district)Applies: Delaware County | City | 2% (total with state 3%) | Split 50/50 |
| Ferguson realty transfer tax (municipality + school district)Applies: Centre County | City | 1.75% (total with state 2.75%) | Split 50/50 |
| Upper Darby realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Radnor realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Tredyffrin realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Malvern realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Chester realty transfer tax (municipality + school district)Applies: Delaware County | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Mt. Lebanon realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Bethel Park realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Monroeville realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| McCandless realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Hampton realty transfer tax (municipality + school district)Applies: Allegheny County | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Pine realty transfer tax (municipality + school district)Applies: Allegheny County | City | 1.5% (total with state 2.5%) | Split 50/50 |
| O'Hara realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Upper St. Clair realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| West Deer realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Green Tree realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Bellevue realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Whitehall realty transfer tax (municipality + school district)Applies: Allegheny County | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Peters realty transfer tax (municipality + school district)Applies: Washington County | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Greensburg realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Murrysville realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Kingston realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Edinboro realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
Who pays the transfer tax in Pennsylvania?
On a $245,000 home at statewide rates, the seller pays $2,450 and the buyer $2,450. State realty transfer tax: split 50/50 between buyer and seller. The purchase contract can change who pays. Local taxes can follow a different custom. The table lists each one.
How does the Pennsylvania transfer tax change with price?
It goes up with the price. On a $1,000,000 home, it is about $20,000 at statewide rates.
| Sale price | Seller pays | Buyer pays | Total |
|---|---|---|---|
| $245,000 typical home | $2,450 | $2,450 | $4,900 |
| $250,000 | $2,500 | $2,500 | $5,000 |
| $500,000 | $5,000 | $5,000 | $10,000 |
| $1,000,000 | $10,000 | $10,000 | $20,000 |
Is the Pennsylvania transfer tax different by county?
Yes. 1 of 67 Pennsylvania counties has a different total on a $245,000 sale. The rest owe $4,900.
| County | Seller pays | Buyer pays | Total |
|---|---|---|---|
| Philadelphia County | $5,608 | $5,608 | $11,216 |
Are there transfer tax exemptions in Pennsylvania?
Often, yes. Transfers between spouses, to a living trust, and by gift or inheritance are often exempt or taxed less. So are some first-time buyer and low-price sales. The calculator covers an ordinary home sale. Check an exemption with the title company or the county recorder before you count on it.
Pennsylvania transfer tax questions
How much is the transfer tax in Pennsylvania?
Pennsylvania charges the state realty transfer tax at 1%. On a $245,000 home at statewide rates, that comes to $4,900. By custom, the seller pays $2,450 and the buyer $2,450. In some places, 46 county and city taxes add to it.
Who pays the transfer tax in Pennsylvania?
State realty transfer tax: split 50/50 between buyer and seller. The purchase contract can change who pays. Local taxes can follow a different custom. The table lists each one.
How much is the transfer tax on a $500,000 home in Pennsylvania?
About $10,000 at statewide rates ($5,000 seller, $5,000 buyer). A county or city tax adds to it where one applies.
Does the buyer pay transfer tax in Pennsylvania?
Yes, by custom the buyer pays part of it. That is $2,450 of the $4,900 on a $245,000 home.
Is the transfer tax deductible?
Not as a tax. For a seller, the transfer tax is a selling expense that lowers the gain on the sale. A buyer who pays it adds it to the home's cost basis (IRS Publications 523 and 551). Ask a tax adviser about your sale.
When is the transfer tax paid?
At closing. The title or escrow company collects it from the side that owes it. It pays the tax when the deed is recorded.
Put the realty transfer tax on a seller net sheet.
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