Berks County, Pennsylvania Closing Costs
On the $239,700 median Berks County home, the county-specific closing items come to about $14,032: transfer tax $11,985, title insurance $1,823, recording fees $224. 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 | $7,500 | $1,310 | $224 | $9,034 |
| $200,000 | $10,000 | $1,595 | $224 | $11,819 |
| $250,000 | $12,500 | $1,880 | $224 | $14,604 |
| $300,000 | $15,000 | $2,165 | $224 | $17,389 |
| $350,000 | $17,500 | $2,450 | $224 | $20,174 |
| $400,000 | $20,000 | $2,735 | $224 | $22,959 |
| $450,000 | $22,500 | $3,020 | $224 | $25,744 |
| $500,000 | $25,000 | $3,305 | $224 | $28,529 |
| $600,000 | $30,000 | $3,761 | $224 | $33,985 |
| $700,000 | $35,000 | $4,217 | $224 | $39,441 |
| $800,000 | $40,000 | $4,673 | $224 | $44,897 |
| $1,000,000 | $50,000 | $5,585 | $224 | $55,809 |
Frequently asked questions
How much are closing costs in Berks County?
On the $239,700 median home, the county-specific items come to about $14,032: transfer tax $11,985 including City of Reading + Reading School District Realty Transfer Tax (properties within Reading only), title insurance $1,823 for the owner's policy and $0 for the lender's, and about $224 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 Berks 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
- Berks County Recorder of Deeds Fee Schedule (effective 11/14/2025): 'Transfer Tax rate is 5% in the City of Reading.'
- Manual of the Title Insurance Rating Bureau of Pennsylvania, Section 5.50 Schedule of Rates - Company or Agent Procedure, approved effective 08/01/2024
- Berks County Recorder of Deeds fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All Pennsylvania buyer closing costs → Berks County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Berks County overview