Adams County, Pennsylvania Closing Costs
On the $256,100 median Adams County home, the county-specific closing items come to about $4,481: transfer tax $2,561, title insurance $1,920. 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) | Total |
|---|---|---|---|
| $150,000 | $1,500 | $1,310 | $2,810 |
| $200,000 | $2,000 | $1,595 | $3,595 |
| $250,000 | $2,500 | $1,880 | $4,380 |
| $300,000 | $3,000 | $2,165 | $5,165 |
| $350,000 | $3,500 | $2,450 | $5,950 |
| $400,000 | $4,000 | $2,735 | $6,735 |
| $450,000 | $4,500 | $3,020 | $7,520 |
| $500,000 | $5,000 | $3,305 | $8,305 |
| $600,000 | $6,000 | $3,761 | $9,761 |
| $700,000 | $7,000 | $4,217 | $11,217 |
| $800,000 | $8,000 | $4,673 | $12,673 |
| $1,000,000 | $10,000 | $5,585 | $15,585 |
Frequently asked questions
How much are closing costs in Adams County?
On the $256,100 median home, the county-specific items come to about $4,481: transfer tax $2,561, title insurance $1,920 for the owner's policy and $0 for the lender's. Lender fees, an appraisal, prepaid taxes and insurance come on top and depend on the loan.
Who pays these in Adams County?
The transfer tax is customarily split. 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)
- 61 Pa. Code Chapter 91, Realty Transfer Tax
- Manual of the Title Insurance Rating Bureau of Pennsylvania, Section 5.50 Schedule of Rates - Company or Agent Procedure, approved effective 08/01/2024
Figures are computed from the documents above and rounded to the dollar. All sources.
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Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Adams County overview