Santa Cruz County, California Closing Costs
On the $1,015,200 median Santa Cruz County home, the county-specific closing items come to about $1,226: transfer tax $1,117, recording fees $109. Lender fees, appraisal and prepaids are added by the loan, not the county.
County-specific closing costs by purchase price
| Purchase price | Transfer tax | Title insurance (both policies) | Recording fees | Total |
|---|---|---|---|---|
| $150,000 | $165 | $993 | $109 | $1,267 |
| $200,000 | $220 | $1,134 | $109 | $1,463 |
| $250,000 | $275 | $1,248 | $109 | $1,632 |
| $300,000 | $330 | $1,378 | $109 | $1,817 |
| $350,000 | $385 | $1,462 | $109 | $1,956 |
| $400,000 | $440 | $1,575 | $109 | $2,124 |
| $450,000 | $495 | $1,659 | $109 | $2,263 |
| $500,000 | $550 | $1,771 | $109 | $2,430 |
| $600,000 | $660 | $1,912 | $109 | $2,681 |
| $700,000 | $770 | $2,071 | $109 | $2,950 |
| $800,000 | $880 | $2,243 | $109 | $3,232 |
| $1,000,000 | $1,100 | $2,563 | $109 | $3,772 |
Frequently asked questions
How much are closing costs in Santa Cruz County?
On the $1,015,200 median home, the county-specific items come to about $1,226: transfer tax $1,117, and about $109 to record the deed and mortgage. Lender fees, an appraisal, prepaid taxes and insurance come on top and depend on the loan.
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- Cal. Rev. & Tax. Code Sec. 11911(a)
- Santa Cruz County Clerk-Recorder fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All California buyer closing costs → Santa Cruz County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Santa Cruz County overview