Real Estate Transfer Tax Calculator

Calculate state and city transfer taxes on a home sale. See who pays in your state.
$

Total Transfer Tax

$550.00

Effective Rate

0.110%

Transfer Tax Breakdown

State Tax ($1.10 / $1,000)$550.00
Total Transfer Tax$550.00
Typically Paid BySplit

Use the Real Estate Transfer Tax Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

How It Works

Our Real Estate Transfer Tax Calculator helps you estimate the state and city transfer taxes associated with a home sale in 2026. Understanding these costs upfront is crucial for both buyers and sellers to accurately budget and negotiate, preventing unexpected expenses at closing. This tool also clarifies whether the buyer, seller, or both are typically responsible for these taxes in your specific location.

This calculator determines transfer taxes by applying the relevant state and local tax rates to the property's sale price. We utilize a comprehensive database of 2026 transfer tax rates, including flat fees, percentage-based taxes, and tiered structures, ensuring accuracy for your specific location. The calculation involves multiplying the sale price by the applicable state rate and then adding any city-specific fixed fees or percentage-based taxes.

Be aware that some states and cities have exemptions or caps on transfer taxes, which our calculator incorporates. Always double-check with a local real estate attorney or title company, as nuances in specific property types or transaction structures can affect the final tax amount. A common mistake is overlooking local municipal taxes that are separate from state-level fees.

Example: Selling a Home in Philadelphia, PA in 2026

  1. 1 Input a sale price of $450,000 for a property located in Philadelphia, Pennsylvania.
  2. 2 Pennsylvania's state transfer tax rate is 1% of the sale price. Philadelphia's city transfer tax rate is 4.26%. For a $450,000 sale, the state tax is $4,500 ($450,000 * 0.01) and the city tax is $19,170 ($450,000 * 0.0426).
  3. 3 The estimated total real estate transfer tax for this sale is $23,670.
  4. 4 In Pennsylvania, the transfer tax is typically split equally between the buyer and seller, meaning each would pay $11,835 of this total. This distribution can be negotiated in the purchase agreement.

Source: CFPB — Owning a Home · Last updated: April 2026

Frequently Asked Questions

What is real estate transfer tax?
Transfer tax is a tax on the transfer of property ownership, charged by state, county, or city at closing. Rates vary from zero in some states to 2-3% or more in places like New York City. It is typically paid by the seller but is negotiable.
Which states have no real estate transfer tax?
States with no transfer tax include Alaska, Idaho, Indiana, Louisiana, Mississippi, Missouri, Montana, New Mexico, North Dakota, Oregon, Texas, Utah, and Wyoming. However, some of these still have local transfer taxes.
Who pays the transfer tax at closing?
The seller typically pays transfer tax in most states, but this is negotiable. In some areas like New York, the buyer pays the mansion tax on properties over $1 million. Your contract should specify who is responsible.

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