Montgomery County, Pennsylvania Closing Costs
On the $409,900 median Montgomery County home, the county-specific closing items come to about $11,217: transfer tax $8,199, title insurance $2,792, recording fees $226. 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 | $226 | $4,536 |
| $200,000 | $4,000 | $1,595 | $226 | $5,821 |
| $250,000 | $5,000 | $1,880 | $226 | $7,106 |
| $300,000 | $6,000 | $2,165 | $226 | $8,391 |
| $350,000 | $7,000 | $2,450 | $226 | $9,676 |
| $400,000 | $8,000 | $2,735 | $226 | $10,961 |
| $450,000 | $9,000 | $3,020 | $226 | $12,246 |
| $500,000 | $10,000 | $3,305 | $226 | $13,531 |
| $600,000 | $12,000 | $3,761 | $226 | $15,987 |
| $700,000 | $14,000 | $4,217 | $226 | $18,443 |
| $800,000 | $16,000 | $4,673 | $226 | $20,899 |
| $1,000,000 | $20,000 | $5,585 | $226 | $25,811 |
Frequently asked questions
How much are closing costs in Montgomery County?
On the $409,900 median home, the county-specific items come to about $11,217: transfer tax $8,199 including Norristown Borough realty transfer tax and Norristown Area School District realty transfer tax, title insurance $2,792 for the owner's policy and $0 for the lender's, and about $226 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 Montgomery 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
- Not independently confirmed against a Norristown-specific ordinance or the PA Dept. of Revenue's municipality-by-municipality rate table in this session; this is the standard municipal-tier rate most Pennsylvania municipalities outside Philadelphia and Pittsburgh levy, per data/transfer/pennsylvania.json's own summary note
- Not independently confirmed against a Norristown Area School District-specific resolution in this session; this is the standard school-district-tier rate most Pennsylvania school districts outside Philadelphia and Pittsburgh levy, per data/transfer/pennsylvania.json's own summary note
- Manual of the Title Insurance Rating Bureau of Pennsylvania, Section 5.50 Schedule of Rates - Company or Agent Procedure, approved effective 08/01/2024
- Montgomery 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 → Montgomery County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Montgomery County overview