Tennessee transfer tax calculator
Tennessee charges the realty transfer tax at $0.37 per $100 (0.37% of the price). On a $280,000 home, that comes to $1,036. By custom, the buyer pays it.
Below is every Tennessee transfer tax rate, state, county and city, and who pays it by custom. Rates checked 2026-09-30.
Free Tennessee seller net sheet calculator
Change any number and the local costs update.
| Real estate commission (5%) | −$14,000 |
| First mortgage payoff | −$170,000 |
| Release / satisfaction recording | −$12 |
| Title insurance and settlement | −$350 |
| Other closing fees | −$45 |
| Estimated net to seller | $95,593 |
How much is the transfer tax in Tennessee?
On a $280,000 home, it is about $1,036 at statewide rates. The table lists the state rules, with who pays each one by custom.
| Tax | Level | Rate | Who pays by custom |
|---|---|---|---|
| Realty transfer taxRecordation Tax Manual (June 2026) examples multiply the exact tax base by .0037: $146,765 x .0037 = $543.03. | State | $0.37 per $100 (0.37% of the price) | Buyer |
Who pays the transfer tax in Tennessee?
By custom, the buyer pays it. Realty transfer tax: paid by the buyer. The purchase contract can change who pays.
How does the Tennessee transfer tax change with price?
It goes up with the price. On a $1,000,000 home, it is about $3,700 at statewide rates.
| Sale price | Seller pays | Buyer pays | Total |
|---|---|---|---|
| $250,000 | $0 | $925 | $925 |
| $280,000 typical home | $0 | $1,036 | $1,036 |
| $500,000 | $0 | $1,850 | $1,850 |
| $1,000,000 | $0 | $3,700 | $3,700 |
Does Tennessee have a mortgage tax?
Yes. Tennessee also taxes the buyer's new mortgage. Cash buyers do not pay it.
| Tax | Level | Rate | Who pays by custom |
|---|---|---|---|
| Mortgage recordation tax | State | $0.115 per $100 over $2,000 | Buyer |
Are there transfer tax exemptions in Tennessee?
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.
Sources
Checked 2026-09-30. These are estimates, not tax advice. The title or escrow company confirms the final figures.
Tennessee transfer tax questions
How much is the transfer tax in Tennessee?
Tennessee charges the realty transfer tax at $0.37 per $100 (0.37% of the price). On a $280,000 home, that comes to $1,036. By custom, the buyer pays it.
Who pays the transfer tax in Tennessee?
Realty transfer tax: paid by the buyer. The purchase contract can change who pays.
How much is the transfer tax on a $500,000 home in Tennessee?
About $1,850 at statewide rates.
Does the buyer pay transfer tax in Tennessee?
Yes, by custom the buyer pays part of it. That is $1,036 of the $1,036 on a $280,000 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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