Lorain County, Ohio Closing Costs
On the $207,200 median Lorain County home, the county-specific closing items come to about $2,365: transfer tax $829, title insurance $1,356, recording fees $180. 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 | $1,020 | $180 | $1,800 |
| $200,000 | $800 | $1,310 | $180 | $2,290 |
| $250,000 | $1,000 | $1,600 | $180 | $2,780 |
| $300,000 | $1,200 | $1,805 | $180 | $3,185 |
| $350,000 | $1,400 | $2,010 | $180 | $3,590 |
| $400,000 | $1,600 | $2,215 | $180 | $3,995 |
| $450,000 | $1,800 | $2,420 | $180 | $4,400 |
| $500,000 | $2,000 | $2,625 | $180 | $4,805 |
| $600,000 | $2,400 | $2,945 | $180 | $5,525 |
| $700,000 | $2,800 | $3,265 | $180 | $6,245 |
| $800,000 | $3,200 | $3,585 | $180 | $6,965 |
| $1,000,000 | $4,000 | $4,225 | $180 | $8,405 |
Frequently asked questions
How much are closing costs in Lorain County?
On the $207,200 median home, the county-specific items come to about $2,365: transfer tax $829 including Lorain County permissive real property conveyance fee, title insurance $1,206 for the owner's policy and $150 for the lender's, and about $180 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 Lorain County?
The seller customarily pays the Ohio 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)
- Ohio Revised Code Section 319.54(G)(3), mandatory statewide conveyance fee
- Lorain County Auditor, Real Estate Transfers
- Ohio Title Insurance Rating Bureau, Inc., Schedule of Rates and Rules for Title Insurance Policies, Rule PR-1/PR-1.1/PR-6/PR-8, (March 1, 2026) Reprint
- Lorain County Recorder fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All Ohio buyer closing costs → Lorain County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Lorain County overview