United States · Transfer Tax
Texas has no state transfer tax — the buyer's closing-cost load is unusually light on the tax side, which is one reason the state's housing market stays liquid. What you do pay is concentrated elsewhere: title insurance (Texas has among the highest title premiums in the country, typically 0.5–0.7% of the price), lender fees, and prorated property taxes. Texas property tax is genuinely high (a 1.6–2.0% effective rate is common), so the trade-off is a cheap closing and an expensive annual bill.
Preset rates are indicative reference values only. Confirm current rates and any reliefs with your local tax authority.
Jurisdiction comparison at $350,000.00
Texas pays $0.00 (0%) vs Texas at $0.00 (0%).
No state transfer tax or stamp duty on residential sales; closing costs are dominated by title insurance and recording fees. 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: Texas Comptroller of Public Accounts. Rates are typically indexed or revised each financial year.
A USD 350,000.00 purchase in Texas attracts about USD 0.00 in transfer tax at the standard indicative rates — an effective rate of 0%. Recording fees are small ($25–50); the real costs are title insurance, escrow and lender fees. That makes the all-in cash requirement USD 350,000.00 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 or stamp duty on residential sales; closing costs are dominated by title insurance and recording fees. Rates change with legislation and vary by buyer circumstances, so treat these as planning figures and confirm the current rate with Texas Comptroller of Public Accounts before you commit.
At the indicative rates above, a USD 350,000.00 property attracts about USD 0.00 in transfer tax — an effective rate of 0%. Recording fees are small ($25–50); the real costs are title insurance, escrow and lender fees.. The calculator above lets you change the price and see the result instantly.
No state transfer tax on residential real estate. Eligibility rules change frequently and vary by buyer type, so verify your situation with Texas Comptroller of Public Accounts 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: transfer tax rates change with legislation and vary by buyer circumstances. These are indicative planning figures, not tax advice — confirm every number with Texas Comptroller of Public Accounts or a qualified local professional.
