Chester County, Pennsylvania Closing Costs
On the $461,800 median Chester County home, the county-specific closing items come to about $15,027: transfer tax $11,545, title insurance $3,088, recording fees $394. 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 | $3,750 | $1,310 | $394 | $5,454 |
| $200,000 | $5,000 | $1,595 | $394 | $6,989 |
| $250,000 | $6,250 | $1,880 | $394 | $8,524 |
| $300,000 | $7,500 | $2,165 | $394 | $10,059 |
| $350,000 | $8,750 | $2,450 | $394 | $11,594 |
| $400,000 | $10,000 | $2,735 | $394 | $13,129 |
| $450,000 | $11,250 | $3,020 | $394 | $14,664 |
| $500,000 | $12,500 | $3,305 | $394 | $16,199 |
| $600,000 | $15,000 | $3,761 | $394 | $19,155 |
| $700,000 | $17,500 | $4,217 | $394 | $22,111 |
| $800,000 | $20,000 | $4,673 | $394 | $25,067 |
| $1,000,000 | $25,000 | $5,585 | $394 | $30,979 |
Frequently asked questions
How much are closing costs in Chester County?
On the $461,800 median home, the county-specific items come to about $15,027: transfer tax $11,545 including West Chester Borough realty transfer tax, title insurance $3,088 for the owner's policy and $0 for the lender's, and about $394 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 Chester 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
- RealChesterCounty.com, Chester County Property Taxes by School District (2026); not independently confirmed against West Chester Borough's own ordinance
- Manual of the Title Insurance Rating Bureau of Pennsylvania, Section 5.50 Schedule of Rates - Company or Agent Procedure, approved effective 08/01/2024
- Chester 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 → Chester County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Chester County overview