Mecklenburg County, North Carolina Closing Costs
On the $406,800 median Mecklenburg County home, the county-specific closing items come to about $1,877: transfer tax $814, title insurance $973, recording fees $90. 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 | $300 | $416 | $90 | $806 |
| $200,000 | $400 | $524 | $90 | $1,014 |
| $250,000 | $500 | $633 | $90 | $1,223 |
| $300,000 | $600 | $741 | $90 | $1,431 |
| $350,000 | $700 | $850 | $90 | $1,640 |
| $400,000 | $800 | $958 | $90 | $1,848 |
| $450,000 | $900 | $1,067 | $90 | $2,057 |
| $500,000 | $1,000 | $1,175 | $90 | $2,265 |
| $600,000 | $1,200 | $1,316 | $90 | $2,606 |
| $700,000 | $1,400 | $1,457 | $90 | $2,947 |
| $800,000 | $1,600 | $1,598 | $90 | $3,288 |
| $1,000,000 | $2,000 | $1,880 | $90 | $3,970 |
Frequently asked questions
How much are closing costs in Mecklenburg County?
On the $406,800 median home, the county-specific items come to about $1,877: transfer tax $814, title insurance $944 for the owner's policy and $29 for the lender's, and about $90 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 Mecklenburg County?
The seller customarily pays the North Carolina 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 QuickFacts, Mecklenburg County, North Carolina - Median value of owner-occupied housing units, 2020-2024 (ACS 5-Year)
- N.C.G.S. 105-228.30
- North Carolina Title Insurance Rating Bureau, North Carolina Title Insurance Rates, effective October 1, 2025 (filed with the NC Department of Insurance)
- Mecklenburg County Register of Deeds fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All North Carolina buyer closing costs → Mecklenburg County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Mecklenburg County overview