Jefferson County, Kentucky Closing Costs
On the $237,200 median Jefferson County home, the county-specific closing items come to about $1,565: transfer tax $238, title insurance $1,197, recording fees $130. 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 | $150 | $880 | $130 | $1,160 |
| $200,000 | $200 | $1,060 | $130 | $1,390 |
| $250,000 | $250 | $1,240 | $130 | $1,620 |
| $300,000 | $300 | $1,420 | $130 | $1,850 |
| $350,000 | $350 | $1,600 | $130 | $2,080 |
| $400,000 | $400 | $1,780 | $130 | $2,310 |
| $450,000 | $450 | $1,960 | $130 | $2,540 |
| $500,000 | $500 | $2,140 | $130 | $2,770 |
| $600,000 | $600 | $2,450 | $130 | $3,180 |
| $700,000 | $700 | $2,760 | $130 | $3,590 |
| $800,000 | $800 | $3,070 | $130 | $4,000 |
| $1,000,000 | $1,000 | $3,690 | $130 | $4,820 |
Frequently asked questions
How much are closing costs in Jefferson County?
On the $237,200 median home, the county-specific items come to about $1,565: transfer tax $238, title insurance $997 for the owner's policy and $200 for the lender's, and about $130 to record the deed and mortgage. Lender fees, an appraisal, prepaid taxes and insurance come on top and depend on the loan.
Who pays these in Jefferson County?
The seller customarily pays the Kentucky transfer tax. Who pays the owner's title policy is negotiable; the buyer pays the lender's policy and the mortgage recording fee.
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- KRS 142.050, Real estate transfer tax, Collection on recording, Exemptions
- First American Title Insurance Company, Kentucky Schedule of Title Insurance Rates, effective May 5, 2024 (filed with the Kentucky Department of Insurance)
- Jefferson County Clerk (Louisville Metro), Deed Room fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All Kentucky buyer closing costs → Jefferson County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Jefferson County overview