Texas transfer tax
Texas 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 Texas seller and buyer pay at closing instead. The calculator uses Texas rates. Rates checked 2026-09-29.
Free Texas seller net sheet calculator
Change any number and the local costs update.
| Real estate commission (5%) | −$13,750 |
| First mortgage payoff | −$165,000 |
| Release / satisfaction recording | −$30 |
| Title insurance and settlement | −$2,095 |
| Other closing fees | −$50 |
| Estimated net to seller | $94,076 |
What do Texas sellers pay instead of a transfer tax?
A Texas seller pays about $2,175 before commission on a $275,000 home. With no transfer tax, it is mostly title, settlement and recording:
| Cost | Seller |
|---|---|
| Owner's title insurance policy | $1,645 |
| Settlement / closing fee | $450 |
| Release / satisfaction recording | $30 |
| Wire / courier / payoff processing | $50 |
Sources
Checked 2026-09-29. These are estimates, not tax advice. The title or escrow company confirms the final figures.
Texas transfer tax questions
Does Texas have a transfer tax?
No. Texas 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 Texas?
About $2,175 before commission on a $275,000 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 Texas?
About $5,209 on a $275,000 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 Texas seller net sheet.
Free to use. No account needed to try it.