St. Louis city, Missouri Closing Costs
On the $185,100 median St. Louis city home, the county-specific closing items come to about $870: no transfer tax in Missouri, title insurance $744, recording fees $126. 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 | $0 | $696 | $126 | $822 |
| $200,000 | $0 | $756 | $126 | $882 |
| $250,000 | $0 | $816 | $126 | $942 |
| $300,000 | $0 | $876 | $126 | $1,002 |
| $350,000 | $0 | $936 | $126 | $1,062 |
| $400,000 | $0 | $996 | $126 | $1,122 |
| $450,000 | $0 | $1,056 | $126 | $1,182 |
| $500,000 | $0 | $1,116 | $126 | $1,242 |
| $600,000 | $0 | $1,236 | $126 | $1,362 |
| $700,000 | $0 | $1,356 | $126 | $1,482 |
| $800,000 | $0 | $126 | $126 | |
| $1,000,000 | $0 | $126 | $126 |
Frequently asked questions
How much are closing costs in St. Louis city?
On the $185,100 median home, the county-specific items come to about $870: no transfer tax in Missouri, title insurance $519 for the owner's policy and $225 for the lender's, and about $126 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 St. Louis 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)
- Missouri Constitution Article X, Section 25
- Platinum Title & Escrow (Leawood, KS), Residential Owner's Policy Rate Table, serving all Missouri and Kansas counties
- City of St. Louis Recorder of Deeds (St. Louis is an independent city, not part of any county, with its own Recorder) fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All Missouri buyer closing costs → St. Louis city home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
St. Louis city overview