Montgomery County, Maryland Closing Costs
On the $640,300 median Montgomery County home, the county-specific closing items come to about $26,255: transfer tax $22,667, title insurance $3,413, 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 | $3,585 | $1,162 | $175 | $4,922 |
| $200,000 | $4,780 | $1,432 | $175 | $6,387 |
| $250,000 | $5,975 | $1,703 | $175 | $7,853 |
| $300,000 | $7,170 | $1,934 | $175 | $9,279 |
| $350,000 | $8,365 | $2,165 | $175 | $10,705 |
| $400,000 | $9,560 | $2,396 | $175 | $12,131 |
| $450,000 | $10,755 | $2,627 | $175 | $13,557 |
| $500,000 | $11,950 | $2,858 | $175 | $14,983 |
| $600,000 | $17,100 | $3,252 | $175 | $20,527 |
| $700,000 | $24,780 | $3,646 | $175 | $28,601 |
| $800,000 | $29,248 | $4,040 | $175 | $33,463 |
| $1,000,000 | $36,560 | $4,828 | $175 | $41,563 |
Frequently asked questions
How much are closing costs in Montgomery County?
On the $640,300 median home, the county-specific items come to about $26,255: transfer tax $22,667 including Montgomery County recordation tax and Montgomery County transfer tax, title insurance $3,063 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 Montgomery 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 QuickFacts, Montgomery County, Maryland - Median value of owner-occupied housing units, 2020-2024 (ACS 5-Year)
- Maryland Tax-Property Article 13-203
- Maryland Association of Counties, Section 7 - Recordation and Transfer Taxes (rate structure per Montgomery County Bill 17-23, effective 10/1/2023, as already recorded in data/transfer/maryland.json)
- Maryland Association of Counties, Section 7 - Recordation and Transfer Taxes
- Stewart Title Guaranty Company, Maryland Schedule of Charges and Forms, effective 11/24/2025 (filed with the Maryland Insurance Administration)
- Circuit Court for Montgomery 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 → Montgomery County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Montgomery County overview