United States · Transfer Tax
Indiana levies no real estate transfer tax at any level of government — the state repealed its gross income tax on realty years ago and counties have not replaced it. Buyers pay recording fees and title insurance, and that is essentially the whole tax bill at closing. On a $300,000 home the transfer-related cost is typically under $500. Indiana's annual property tax is moderate (effective rates around 1%), which keeps the state cheap to both buy and hold — a quiet advantage for cash-flow investors.
Preset rates are indicative reference values only. Confirm current rates and any reliefs with your local tax authority.
Jurisdiction comparison at $300,000.00
Indiana pays $0.00 (0%) vs Indiana at $0.00 (0%).
No state transfer tax; closing costs are recording fees and title insurance only. Bands below are the standard residential buyer schedule used by the calculator.
| Property value | Rate |
|---|---|
| All values | Flat 0% of the full value |
Indicative figures compiled August 2026 — official source: Indiana Department of Revenue. Rates are typically indexed or revised each financial year.
A USD 300,000.00 purchase in Indiana attracts about USD 0.00 in transfer tax at the standard indicative rates — an effective rate of 0%. Recording fees run $30–80; title insurance is standard. That makes the all-in cash requirement USD 300,000.00 before you factor in any deposit, legal work, or moving costs. Adjust the price in the calculator to model your own number.
No state transfer tax; closing costs are recording fees and title insurance only. Rates change with legislation and vary by buyer circumstances, so treat these as planning figures and confirm the current rate with Indiana Department of Revenue before you commit.
At the indicative rates above, a USD 300,000.00 property attracts about USD 0.00 in transfer tax — an effective rate of 0%. Recording fees run $30–80; title insurance is standard.. The calculator above lets you change the price and see the result instantly.
There is no general first-time buyer exemption in Indiana at the standard indicative rates. No state or county transfer tax. Check current eligibility rules with Indiana Department of Revenue.
The buyer pays the tax in essentially every case in this market. It is payable in full before or at settlement and cannot normally be added to a mortgage, so it must be part of your cash budget alongside the deposit.
How we calculate: the calculator applies the official band schedule marginally — each rate applies only to the slice of the price inside its band, exactly as the revenue authority does. Worked examples are computed with the same function.
Last reviewed: . Learn more about Nirmal Lashkari and LashkariProperties.
Disclaimer: transfer tax rates change with legislation and vary by buyer circumstances. These are indicative planning figures, not tax advice — confirm every number with Indiana Department of Revenue or a qualified local professional.
