Baltimore city, Maryland Closing Costs
On the $219,300 median Baltimore city home, the county-specific closing items come to about $8,295: transfer tax $6,580, title insurance $1,540, recording fees $175. 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 | $4,500 | $1,162 | $175 | $5,837 |
| $200,000 | $6,000 | $1,432 | $175 | $7,607 |
| $250,000 | $7,500 | $1,703 | $175 | $9,378 |
| $300,000 | $9,000 | $1,934 | $175 | $11,109 |
| $350,000 | $10,500 | $2,165 | $175 | $12,840 |
| $400,000 | $12,000 | $2,396 | $175 | $14,571 |
| $450,000 | $13,500 | $2,627 | $175 | $16,302 |
| $500,000 | $15,000 | $2,858 | $175 | $18,033 |
| $600,000 | $18,000 | $3,252 | $175 | $21,427 |
| $700,000 | $21,000 | $3,646 | $175 | $24,821 |
| $800,000 | $24,000 | $4,040 | $175 | $28,215 |
| $1,000,000 | $30,000 | $4,828 | $175 | $35,003 |
Frequently asked questions
How much are closing costs in Baltimore city?
On the $219,300 median home, the county-specific items come to about $8,295: transfer tax $6,580 including Baltimore City Recordation Tax + Local Transfer Tax (combined), title insurance $1,190 for the owner's policy and $350 for the lender's, and about $175 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 Baltimore city?
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)
- Maryland Tax-Property Article 13-203
- Gordon Feinblatt LLC, Recordation and Transfer Tax Rates in Maryland Explained (as of 10/1/2025)
- Stewart Title Guaranty Company, Maryland Schedule of Charges and Forms, effective 11/24/2025 (filed with the Maryland Insurance Administration)
- Circuit Court for Baltimore City, Clerk's Office (Land Records) fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All Maryland buyer closing costs → Baltimore city home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Baltimore city overview