Illinois Closing Cost Calculator
Across Illinois's 102 counties, buyer closing costs run $2,465 to $9,935 at each county's median home value with 20% down. Cash needed at closing, with closing costs and the down payment, runs $14,425 to $88,215. Pick your county for your own figures.
Data reviewed · Transfer tax verified April 2026 · Mortgage rates weekly · Methodology
- Lender fees$539 – $1,077
- Third-party services$1,550 – $3,300
- Taxes and government fees$100 – $300
- Prepaid and escrow$983 – $1,185
Every closing cost, and what you can do about it
Fees marked Shop around are where buyers save: compare Loan Estimates and quotes. In Illinois that is $1,689 – $3,677 of your costs.
Lender fees
$539 – $1,077Third-party services
$1,550 – $3,300Taxes and government fees
$100 – $300Prepaid and escrow
$983 – $1,185In Illinois the seller usually pays the transfer tax.
After closing: monthly
$1,032 – $1,115Year one
$44,328All figures are estimates for planning purposes only. Mortgage payment assumes a 30-year fixed rate of 7.40%, the Freddie Mac PMMS average for the week ending October 15, 2026. Your lender will confirm the actual rate. Closing costs vary by lender and transaction. Consult a licensed real estate attorney and lender before making any financial decisions.
Illinois closing cost facts
What is specific to buying in Illinois, with sources.
Transfer tax
Sellers usually pay the 0.15% transfer tax. State $0.50/$500 (0.1%) + county $0.25/$500 (0.05%), both seller. Chicago adds a city tax of $5.25/$500 total, $3.75/$500 (0.75%) buyer-paid CTA portion + $1.50/$500 (0.3%) seller-paid portion. Other home-rule municipalities (Evanston, Oak Park, Naperville, Aurora) set their own rates.
Verified April 2026. Source
Closing attorney
Illinois closings are typically handled by a title or escrow company, so the calculator does not include an attorney fee.
Property tax at closing
Lenders collect two to three months of property tax at closing for escrow. In Illinois, the calculator estimates it from the county's median taxes paid divided by its median home value.
Closing costs by county in Illinois
Each county at its own median home value with 20% down and a 30-year loan. Open a county for its full breakdown.
| County | Median home | Closing costs | Cash at closing |
|---|---|---|---|
| Adams County | $162,600 | $3,375 – $6,189 | $35,895 – $38,709 |
| Alexander County | $59,800 | $2,465 – $4,745 | $14,425 – $16,705 |
| Bond County | $145,700 | $3,295 – $6,057 | $32,435 – $35,197 |
| Boone County | $216,900 | $4,084 – $7,297 | $47,464 – $50,677 |
| Brown County | $150,300 | $3,249 – $5,991 | $33,309 – $36,051 |
| Bureau County | $126,900 | $3,141 – $5,811 | $28,521 – $31,191 |
| Calhoun County | $190,900 | $3,569 – $6,503 | $41,749 – $44,683 |
| Carroll County | $114,500 | $3,016 – $5,614 | $25,916 – $28,514 |
| Cass County | $97,100 | $2,851 – $5,352 | $22,271 – $24,772 |
| Champaign County | $211,500 | $3,986 – $7,145 | $46,286 – $49,445 |
| Christian County | $115,500 | $2,958 – $5,528 | $26,058 – $28,628 |
| Clark County | $132,400 | $3,096 – $5,747 | $29,576 – $32,227 |
| Clay County | $97,400 | $2,759 – $5,214 | $22,239 – $24,694 |
| Clinton County | $192,400 | $3,725 – $6,738 | $42,205 – $45,218 |
| Coles County | $127,400 | $3,132 – $5,798 | $28,612 – $31,278 |
| Cook County | $324,500 | $5,019 – $8,783 | $69,919 – $73,683 |
| Crawford County | $121,100 | $2,980 – $5,565 | $27,200 – $29,785 |
| Cumberland County | $126,000 | $3,044 – $5,665 | $28,244 – $30,865 |
| De Witt County | $130,300 | $3,125 – $5,790 | $29,185 – $31,850 |
| DeKalb County | $243,600 | $4,463 – $7,885 | $53,183 – $56,605 |
| Douglas County | $150,400 | $3,293 – $6,058 | $33,373 – $36,138 |
| DuPage County | $391,400 | $5,753 – $9,935 | $84,033 – $88,215 |
| Edgar County | $97,300 | $2,761 – $5,217 | $22,221 – $24,677 |
| Edwards County | $100,000 | $2,785 – $5,256 | $22,785 – $25,256 |
| Effingham County | $189,500 | $3,590 – $6,533 | $41,490 – $44,433 |
| Fayette County | $130,700 | $3,056 – $5,687 | $29,196 – $31,827 |
| Ford County | $122,000 | $3,116 – $5,769 | $27,516 – $30,169 |
| Franklin County | $89,000 | $2,705 – $5,127 | $20,505 – $22,927 |
| Fulton County | $107,200 | $2,971 – $5,541 | $24,411 – $26,981 |
| Gallatin County | $82,900 | $2,651 – $5,041 | $19,231 – $21,621 |
| Greene County | $95,200 | $2,789 – $5,259 | $21,829 – $24,299 |
| Grundy County | $271,700 | $4,551 – $8,040 | $58,891 – $62,380 |
| Hamilton County | $113,700 | $2,883 – $5,414 | $25,623 – $28,154 |
| Hancock County | $113,800 | $2,975 – $5,552 | $25,735 – $28,312 |
| Hardin County | $103,800 | $2,735 – $5,183 | $23,495 – $25,943 |
| Henderson County | $104,400 | $2,847 – $5,352 | $23,727 – $26,232 |
| Henry County | $151,600 | $3,378 – $6,185 | $33,698 – $36,505 |
| Iroquois County | $137,800 | $3,204 – $5,914 | $30,764 – $33,474 |
| Jackson County | $137,300 | $3,204 – $5,914 | $30,664 – $33,374 |
| Jasper County | $125,500 | $3,115 – $5,771 | $28,215 – $30,871 |
| Jefferson County | $126,000 | $3,069 – $5,702 | $28,269 – $30,902 |
| Jersey County | $171,900 | $3,509 – $6,398 | $37,889 – $40,778 |
| Jo Daviess County | $209,900 | $3,852 – $6,943 | $45,832 – $48,923 |
| Johnson County | $160,500 | $3,264 – $6,022 | $35,364 – $38,122 |
| Kane County | $327,000 | $5,234 – $9,107 | $70,634 – $74,507 |
| Kankakee County | $192,600 | $3,850 – $6,926 | $42,370 – $45,446 |
| Kendall County | $322,400 | $5,249 – $9,126 | $69,729 – $73,606 |
| Knox County | $111,900 | $2,985 – $5,565 | $25,365 – $27,945 |
| Lake County | $345,700 | $5,611 – $9,687 | $74,751 – $78,827 |
| LaSalle County | $161,900 | $3,511 – $6,394 | $35,891 – $38,774 |
| Lawrence County | $99,100 | $2,733 – $5,177 | $22,553 – $24,997 |
| Lee County | $154,600 | $3,403 – $6,225 | $34,323 – $37,145 |
| Livingston County | $142,200 | $3,299 – $6,061 | $31,739 – $34,501 |
| Logan County | $134,400 | $3,162 – $5,849 | $30,042 – $32,729 |
| Macon County | $127,300 | $3,168 – $5,852 | $28,628 – $31,312 |
| Macoupin County | $138,200 | $3,135 – $5,810 | $30,775 – $33,450 |
| Madison County | $173,000 | $3,566 – $6,484 | $38,166 – $41,084 |
| Marion County | $103,000 | $2,856 – $5,364 | $23,456 – $25,964 |
| Marshall County | $142,800 | $3,280 – $6,031 | $31,840 – $34,591 |
| Mason County | $103,400 | $2,926 – $5,469 | $23,606 – $26,149 |
| Massac County | $121,900 | $2,968 – $5,548 | $27,348 – $29,928 |
| McDonough County | $107,500 | $2,972 – $5,543 | $24,472 – $27,043 |
| McHenry County | $308,100 | $5,094 – $8,883 | $66,714 – $70,503 |
| McLean County | $208,400 | $3,995 – $7,155 | $45,675 – $48,835 |
| Menard County | $185,500 | $3,625 – $6,583 | $40,725 – $43,683 |
| Mercer County | $146,700 | $3,323 – $6,100 | $32,663 – $35,440 |
| Monroe County | $282,100 | $4,479 – $7,940 | $60,899 – $64,360 |
| Montgomery County | $112,300 | $2,937 – $5,493 | $25,397 – $27,953 |
| Morgan County | $130,800 | $3,126 – $5,791 | $29,286 – $31,951 |
| Moultrie County | $134,000 | $3,164 – $5,851 | $29,964 – $32,651 |
| Ogle County | $189,200 | $3,765 – $6,796 | $41,605 – $44,636 |
| Peoria County | $158,500 | $3,512 – $6,392 | $35,212 – $38,092 |
| Perry County | $112,600 | $2,926 – $5,477 | $25,446 – $27,997 |
| Piatt County | $180,600 | $3,606 – $6,550 | $39,726 – $42,670 |
| Pike County | $101,400 | $2,812 – $5,297 | $23,092 – $25,577 |
| Pope County | $143,800 | $3,071 – $5,719 | $31,831 – $34,479 |
| Pulaski County | $85,100 | $2,592 – $4,955 | $19,612 – $21,975 |
| Putnam County | $172,700 | $3,462 – $6,328 | $38,002 – $40,868 |
| Randolph County | $135,100 | $3,090 – $5,741 | $30,110 – $32,761 |
| Richland County | $112,000 | $2,915 – $5,461 | $25,315 – $27,861 |
| Rock Island County | $150,400 | $3,438 – $6,275 | $33,518 – $36,355 |
| Saline County | $94,300 | $2,773 – $5,233 | $21,633 – $24,093 |
| Sangamon County | $176,300 | $3,619 – $6,567 | $38,879 – $41,827 |
| Schuyler County | $109,700 | $2,931 – $5,482 | $24,871 – $27,422 |
| Scott County | $96,400 | $2,761 – $5,217 | $22,041 – $24,497 |
| Shelby County | $137,100 | $3,126 – $5,796 | $30,546 – $33,216 |
| St. Clair County | $180,300 | $3,671 – $6,647 | $39,731 – $42,707 |
| Stark County | $104,500 | $2,867 – $5,382 | $23,767 – $26,282 |
| Stephenson County | $134,900 | $3,308 – $6,067 | $30,288 – $33,047 |
| Tazewell County | $167,500 | $3,567 – $6,481 | $37,067 – $39,981 |
| Union County | $131,700 | $3,033 – $5,652 | $29,373 – $31,992 |
| Vermilion County | $97,200 | $2,818 – $5,303 | $22,258 – $24,743 |
| Wabash County | $104,900 | $2,821 – $5,313 | $23,801 – $26,293 |
| Warren County | $105,000 | $2,893 – $5,421 | $23,893 – $26,421 |
| Washington County | $155,700 | $3,386 – $6,202 | $34,526 – $37,342 |
| Wayne County | $110,700 | $2,888 – $5,418 | $25,028 – $27,558 |
| White County | $108,100 | $2,836 – $5,339 | $24,456 – $26,959 |
| Whiteside County | $127,100 | $3,151 – $5,825 | $28,571 – $31,245 |
| Will County | $319,600 | $5,151 – $8,977 | $69,071 – $72,897 |
| Williamson County | $156,400 | $3,354 – $6,154 | $34,634 – $37,434 |
| Winnebago County | $164,500 | $3,613 – $6,549 | $36,513 – $39,449 |
| Woodford County | $197,600 | $3,874 – $6,965 | $43,394 – $46,485 |
Estimates for planning only. Cash at closing is the 20% down payment plus closing costs and the buyer's transfer tax.
Frequently asked questions
Answers to common questions about closing on a home in Illinois.
How much are closing costs in Illinois?
With 20% down, buyer closing costs in Illinois run $2,465 in Alexander County to $9,935 in DuPage County, each at its median home value: lender and title fees, appraisal, inspection, recording, and prepaid interest, insurance and property tax. Pick your county in the calculator for your own figures.
Does Illinois have a transfer tax, and who pays it?
Yes. Sellers usually pay the 0.15% transfer tax. State $0.50/$500 (0.1%) + county $0.25/$500 (0.05%), both seller. Chicago adds a city tax of $5.25/$500 total, $3.75/$500 (0.75%) buyer-paid CTA portion + $1.50/$500 (0.3%) seller-paid portion. Other home-rule municipalities (Evanston, Oak Park, Naperville, Aurora) set their own rates.
Do I need an attorney to close on a home in Illinois?
Usually not. Illinois closings are typically handled by a title or escrow company, so the calculator does not include an attorney fee.
How much cash do I need to close on a home in Illinois?
With 20% down, cash due at closing in Illinois runs $14,425 in Alexander County to $88,215 in DuPage County, each at its median home value: the down payment plus closing costs.
More on Illinois
Property tax by county, exemptions and median home values are on the Illinois property tax page. Compare other states on the closing cost calculator. How every figure is built is on the methodology page.