Connecticut's state conveyance tax is one of the few in the country that's a true marginal bracket for residential estates — the rate increases as the price climbs past $800,000 and $2,500,000. A mandatory municipal tax stacks on top statewide.
State + municipal conveyance tax and a representative recording fee — excludes title insurance, escrow, lender fees, and mortgage-recording fees. Assumes the mandatory 0.25% municipal rate only, not any optional local surtax.
| State conveyance tax (0.75% bracket) | $3,000.00 |
| Municipal conveyance tax (0.25%) | $1,000.00 |
| Granby recording fee reference | $72.00 |
| Total | $4,072.00 |
This is a tax-module example, not a complete settlement statement. On a $3,000,000 sale, the state bracket alone jumps to $38,500 (0.75% through $800k, 1.25% to $2.5M, 2.25% above) — try that price in the calculator to see the marginal effect.
Most states' transfer taxes are a single flat rate. Connecticut's state conveyance tax genuinely functions as a marginal bracket for a residential estate: 0.75% applies to the first $800,000 of consideration, 1.25% to the next slice up to $2,500,000, and 2.25% to anything above that — the same slice-by-slice logic as federal income tax brackets, just applied to a home sale. A separate, mandatory 0.25% municipal conveyance tax applies to every taxable transaction on top of the state bracket.
Beyond the mandatory 0.25%, CGS §12-494(c) authorizes a targeted-investment community or a locality with a qualifying manufacturing plant to add up to another 0.25%. Whether a specific town — including higher-priority lookups like Bridgeport and Hartford — has actually adopted this optional surtax requires checking with that town clerk directly; it isn't assumed here.
Closing costs are the fees and charges required to finalize a real estate purchase, separate from your down payment and the home's purchase price. Beyond the Connecticut transfer tax and recording fee calculated above, a typical closing includes a handful of other charges: a loan origination fee charged by your lender, an appraisal fee to confirm the home's value, a home inspection fee, a title search and title insurance premium (a lender's policy is required by most lenders, and an owner's policy is optional but recommended), an escrow or settlement agent fee, and prepaid items such as homeowners insurance and the property tax and mortgage interest your lender collects upfront into escrow. Which of these apply, and how much each one costs, depends on your lender, your loan program, and the title or escrow company handling your closing — this calculator covers only the government-charged transfer tax and recording fee shown above, not the full closing cost picture.
Several factors shape how much you'll actually pay at closing on a Connecticut property, beyond the transfer tax and recording fee shown above. Loan type matters: FHA loans add an upfront mortgage insurance premium, VA loans add a funding fee (waived for some veterans and service members), and USDA loans add a guarantee fee, while conventional loans typically don't carry a comparable upfront charge. Property type matters too — condos and homes in planned communities often require an extra fee for HOA document review or a resale certificate, and multi-unit or investment properties can carry higher title insurance premiums than a standard single-family purchase. County and municipality matter as well: recording fees, and in some states local transfer taxes, can vary from county to county, so the figures on this page reflect the Connecticut statutory default — always confirm with the specific county recorder's or clerk's office where you're closing. Finally, purchase price and loan amount drive costs that scale with value, including title insurance premiums, percentage-based origination fees, and the transfer tax calculated above.