Tennessee charges $0.37 per $100 (0.37%) of the higher of consideration or value. This page shows exactly how that tax is calculated, the current deed-recording fee, and how confident the local-overlay finding really is.
Transfer tax and deed-recording fee only — excludes title insurance, escrow, lender fees, and mortgage-recording fees.
| Realty-transfer component of recordation tax | $1,480.00 |
| Recording fee (up to 2 pages, incl. $2 e-filing fee) | $12.00 |
| Total included amount | $1,492.00 |
This is a tax-module example, not a complete settlement statement — title, escrow, lender, and mortgage-recording charges are not included.
Tennessee imposes $0.37 per $100 (0.37%) of the higher of consideration or value, under Tenn. Code Ann. § 67-4-409. Customary buyer/seller allocation was not independently verified from an official source — shown as contract-dependent.
An official source expressly identifies the relevant local-tax structure or explicitly prohibits local charges — this finding is treated as affirmatively confirmed. County enactment of a local real-property-transfer tax is expressly prohibited by statute — this is one of the few Tier 1 states where the no-local-overlay finding is affirmatively confirmed, not just an absence of evidence.
Recording fee (up to 2 pages, incl. $2 e-filing fee): $12.00, under Tennessee recording fee schedule.
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 Tennessee 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 Tennessee 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 Tennessee 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.