United States · Realty Transfer Fee
New Jersey's realty transfer fee is unusual because it is the seller who pays: a graduated fee starts at $0.50 per $500 (0.1%) for the first $150,000 and rises to roughly $1.05 per $500 (about 1%) above $550,000. The buyer pays a modest flat fee of $500–1,000 depending on price. On a $450,000 sale the seller's fee is roughly $3,800 and the buyer's fee $500 — a real negotiation line in every New Jersey contract.
Preset rates are indicative reference values only. Confirm current rates and any reliefs with your local tax authority.
Jurisdiction comparison at $450,000.00
New Jersey pays $2,250.00 (0.5%) vs New Jersey at $2,250.00 (0.5%).
Seller-paid graduated realty transfer fee (0.5% on the first $150k, rising to ~1% above $550k); buyer pays a flat $500–1,000 fee by price tier. Bands below are the standard residential buyer schedule used by the calculator.
| Property value | Rate |
|---|---|
| All values | Flat 0.5% of the full value |
Indicative figures compiled August 2026 — official source: New Jersey Division of Taxation. Rates are typically indexed or revised each financial year.
A USD 450,000.00 purchase in New Jersey attracts about USD 2,250.00 in realty transfer fee at the standard indicative rates — an effective rate of 0.5%. Recording fees run $100–250; attorney review is customary. That makes the all-in cash requirement USD 452,250.00 before you factor in any deposit, legal work, or moving costs. Adjust the price in the calculator to model your own number.
Seller-paid graduated realty transfer fee (0.5% on the first $150k, rising to ~1% above $550k); buyer pays a flat $500–1,000 fee by price tier. Rates change with legislation and vary by buyer circumstances, so treat these as planning figures and confirm the current rate with New Jersey Division of Taxation before you commit.
At the indicative rates above, a USD 450,000.00 property attracts about USD 2,250.00 in realty transfer fee — an effective rate of 0.5%. Recording fees run $100–250; attorney review is customary.. The calculator above lets you change the price and see the result instantly.
Seller pays the graduated transfer fee by default. Eligibility rules change frequently and vary by buyer type, so verify your situation with New Jersey Division of Taxation or a conveyancer.
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: realty transfer fee rates change with legislation and vary by buyer circumstances. These are indicative planning figures, not tax advice — confirm every number with New Jersey Division of Taxation or a qualified local professional.
