Cumberland County, Pennsylvania Closing Costs
On the $261,900 median Cumberland County home, the county-specific closing items come to about $7,409: transfer tax $5,239, title insurance $1,948, recording fees $222. 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 | $3,000 | $1,310 | $222 | $4,532 |
| $200,000 | $4,000 | $1,595 | $222 | $5,817 |
| $250,000 | $5,000 | $1,880 | $222 | $7,102 |
| $300,000 | $6,000 | $2,165 | $222 | $8,387 |
| $350,000 | $7,000 | $2,450 | $222 | $9,672 |
| $400,000 | $8,000 | $2,735 | $222 | $10,957 |
| $450,000 | $9,000 | $3,020 | $222 | $12,242 |
| $500,000 | $10,000 | $3,305 | $222 | $13,527 |
| $600,000 | $12,000 | $3,761 | $222 | $15,983 |
| $700,000 | $14,000 | $4,217 | $222 | $18,439 |
| $800,000 | $16,000 | $4,673 | $222 | $20,895 |
| $1,000,000 | $20,000 | $5,585 | $222 | $25,807 |
Frequently asked questions
How much are closing costs in Cumberland County?
On the $261,900 median home, the county-specific items come to about $7,409: transfer tax $5,239 including Carlisle Borough realty transfer tax and Carlisle Area School District realty transfer tax, title insurance $1,948 for the owner's policy and $0 for the lender's, and about $222 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 Cumberland 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
- Cumberland County, PA, Real Estate Transfer Tax page: describes the local 1% as distributed between municipalities and school districts countywide; Carlisle Borough not called out as a rate exception, so the standard split is assumed
- Cumberland County, PA, Real Estate Transfer Tax page
- Manual of the Title Insurance Rating Bureau of Pennsylvania, Section 5.50 Schedule of Rates - Company or Agent Procedure, approved effective 08/01/2024
- Cumberland County Recorder of Deeds (Carlisle) fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All Pennsylvania buyer closing costs → Cumberland County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Cumberland County overview