Harford County, Maryland Closing Costs
On the $367,300 median Harford County home, the county-specific closing items come to about $10,357: transfer tax $7,934, title insurance $2,248, 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 | $3,240 | $1,162 | $175 | $4,577 |
| $200,000 | $4,320 | $1,432 | $175 | $5,927 |
| $250,000 | $5,400 | $1,703 | $175 | $7,278 |
| $300,000 | $6,480 | $1,934 | $175 | $8,589 |
| $350,000 | $7,560 | $2,165 | $175 | $9,900 |
| $400,000 | $8,640 | $2,396 | $175 | $11,211 |
| $450,000 | $9,720 | $2,627 | $175 | $12,522 |
| $500,000 | $10,800 | $2,858 | $175 | $13,833 |
| $600,000 | $12,960 | $3,252 | $175 | $16,387 |
| $700,000 | $15,120 | $3,646 | $175 | $18,941 |
| $800,000 | $17,280 | $4,040 | $175 | $21,495 |
| $1,000,000 | $21,600 | $4,828 | $175 | $26,603 |
Frequently asked questions
How much are closing costs in Harford County?
On the $367,300 median home, the county-specific items come to about $10,357: transfer tax $7,934 including Harford County recordation tax and Harford County transfer tax, title insurance $1,898 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 Harford County?
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
- Harford County, MD, Transfer/Recordation Tax page; rate cross-checked against the Maryland Association of Counties' Section 7 summary (fetched and parsed directly this session via pdftotext), which lists Harford's recordation tax as $3.30 per $500 (0.66%)
- Harford County, MD, Transfer/Recordation Tax page; rate cross-checked against the MACo Section 7 summary, which lists Harford's own county transfer tax at 1.00% of consideration
- Stewart Title Guaranty Company, Maryland Schedule of Charges and Forms, effective 11/24/2025 (filed with the Maryland Insurance Administration)
- Circuit Court for Harford County, Land Records Department fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All Maryland buyer closing costs → Harford County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Harford County overview