Union County, New Jersey Closing Costs
On the $488,800 median Union County home, the county-specific closing items come to about $7,754: transfer tax $5,302, title insurance $2,202, recording fees $250. 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 | $600 | $763 | $250 | $1,613 |
| $200,000 | $935 | $975 | $250 | $2,160 |
| $250,000 | $1,325 | $1,188 | $250 | $2,763 |
| $300,000 | $1,715 | $1,400 | $250 | $3,365 |
| $350,000 | $2,105 | $1,613 | $250 | $3,968 |
| $400,000 | $4,450 | $1,825 | $250 | $6,525 |
| $450,000 | $4,930 | $2,038 | $250 | $7,218 |
| $500,000 | $5,410 | $2,250 | $250 | $7,910 |
| $600,000 | $6,420 | $2,525 | $250 | $9,195 |
| $700,000 | $7,480 | $2,800 | $250 | $10,530 |
| $800,000 | $8,540 | $3,075 | $250 | $11,865 |
| $1,000,000 | $20,810 | $3,625 | $250 | $24,685 |
Frequently asked questions
How much are closing costs in Union County?
On the $488,800 median home, the county-specific items come to about $7,754: transfer tax $5,302, title insurance $2,177 for the owner's policy and $25 for the lender's, and about $250 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 Union County?
The seller customarily pays the New Jersey 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)
- NJ Division of Taxation, Realty Transfer Fee FAQ
- New Jersey Land Title Insurance Rating Bureau, Manual of Rates and Charges, dated effective September 1, 2019 (this filed schedule remained in force as of the 2026 read; data/closing/new-jersey.json's source note describes the same figures as 'current schedule effective 11/1/2023', likely a later re-filing/re-approval of the identical rates rather than a rate change)
- Union County Clerk (Recordings Division) fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All New Jersey buyer closing costs → Union County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Union County overview