Philadelphia County, Pennsylvania Closing Costs
On the $243,100 median Philadelphia County home, the county-specific closing items come to about $13,443: transfer tax $11,129, title insurance $1,846, recording fees $468. 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 | $6,867 | $1,310 | $468 | $8,645 |
| $200,000 | $9,156 | $1,595 | $468 | $11,219 |
| $250,000 | $11,445 | $1,880 | $468 | $13,793 |
| $300,000 | $13,734 | $2,165 | $468 | $16,367 |
| $350,000 | $16,023 | $2,450 | $468 | $18,941 |
| $400,000 | $18,312 | $2,735 | $468 | $21,515 |
| $450,000 | $20,601 | $3,020 | $468 | $24,089 |
| $500,000 | $22,890 | $3,305 | $468 | $26,663 |
| $600,000 | $27,468 | $3,761 | $468 | $31,697 |
| $700,000 | $32,046 | $4,217 | $468 | $36,731 |
| $800,000 | $36,624 | $4,673 | $468 | $41,765 |
| $1,000,000 | $45,780 | $5,585 | $468 | $51,833 |
Frequently asked questions
How much are closing costs in Philadelphia County?
On the $243,100 median home, the county-specific items come to about $13,443: transfer tax $11,129 including City of Philadelphia Realty Transfer Tax, title insurance $1,846 for the owner's policy and $0 for the lender's, and about $468 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 Philadelphia 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 QuickFacts: Philadelphia County, Pennsylvania - Median value of owner-occupied housing units, 2020-2024 (ACS 5-Year)
- 61 Pa. Code Chapter 91, Realty Transfer Tax
- City of Philadelphia, 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
- Philadelphia Department of Records, Commissioner of Records fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All Pennsylvania buyer closing costs → Philadelphia County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Philadelphia County overview