Providence County, Rhode Island Closing Costs
On the $339,100 median Providence County home, the county-specific closing items come to about $3,947: transfer tax $2,543, title insurance $1,240, recording fees $164. 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 | $1,125 | $575 | $164 | $1,864 |
| $200,000 | $1,500 | $750 | $164 | $2,414 |
| $250,000 | $1,875 | $925 | $164 | $2,964 |
| $300,000 | $2,250 | $1,100 | $164 | $3,514 |
| $350,000 | $2,625 | $1,275 | $164 | $4,064 |
| $400,000 | $3,000 | $1,450 | $164 | $4,614 |
| $450,000 | $3,375 | $1,625 | $164 | $5,164 |
| $500,000 | $3,750 | $1,800 | $164 | $5,714 |
| $600,000 | $4,500 | $2,150 | $164 | $6,814 |
| $700,000 | $5,250 | $2,500 | $164 | $7,914 |
| $800,000 | $6,000 | $2,850 | $164 | $9,014 |
| $1,000,000 | $9,000 | $3,550 | $164 | $12,714 |
Frequently asked questions
How much are closing costs in Providence County?
On the $339,100 median home, the county-specific items come to about $3,947: transfer tax $2,543, title insurance $1,190 for the owner's policy and $50 for the lender's, and about $164 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 Providence County?
The seller customarily pays the Rhode Island transfer tax. 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)
- R.I. Gen. Laws Section 44-25-1, Real Estate Conveyance Tax
- WFG National Title Insurance Company, Rhode Island Title Insurance Rate Manual, Section 3 Basic Rate Table, effective March 1, 2023
- No county recorder exists, Rhode Island records land documents at the city/town level. Providence County contains 16 separate cities and towns (Providence, Cranston, Warwick, Pawtucket, East Providence, Woonsocket, North Providence, Johnston, Central Falls, Cumberland, Lincoln, Smithfield, North Smithfield, Glocester, Foster, Burrillville, Scituate), each with its own City/Town Clerk acting as Recorder of Deeds fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All Rhode Island buyer closing costs → Providence County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Providence County overview