Hays County, Texas Closing Costs
On the $371,400 median Hays County home, the county-specific closing items come to about $2,478: no transfer tax in Texas, title insurance $2,362, recording fees $116. 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 | $0 | $1,127 | $116 | $1,243 |
| $200,000 | $0 | $1,374 | $116 | $1,490 |
| $250,000 | $0 | $1,621 | $116 | $1,737 |
| $300,000 | $0 | $1,868 | $116 | $1,984 |
| $350,000 | $0 | $2,115 | $116 | $2,231 |
| $400,000 | $0 | $2,362 | $116 | $2,478 |
| $450,000 | $0 | $2,609 | $116 | $2,725 |
| $500,000 | $0 | $2,856 | $116 | $2,972 |
| $600,000 | $0 | $3,350 | $116 | $3,466 |
| $700,000 | $0 | $3,844 | $116 | $3,960 |
| $800,000 | $0 | $4,338 | $116 | $4,454 |
| $1,000,000 | $0 | $5,326 | $116 | $5,442 |
Frequently asked questions
How much are closing costs in Hays County?
On the $371,400 median home, the county-specific items come to about $2,478: no transfer tax in Texas, title insurance $2,262 for the owner's policy and $100 for the lender's, and about $116 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 Hays County?
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)
- Texas Constitution, Article 8, Section 29 (prohibits any tax on transactions that convey fee simple title to real property)
- Texas Department of Insurance, Commissioner's Order No. 2025-9697, Title Insurance Basic Premium Rates (Exhibit A), effective March 1, 2026
- Hays County Clerk (San Marcos) fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All Texas buyer closing costs → Hays County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Hays County overview