Iowa Closing Cost Calculator
Across Iowa's 99 counties, buyer closing costs run $2,716 to $8,810 at each county's median home value with 20% down. Cash needed at closing, with closing costs and the down payment, runs $22,336 to $79,930. Pick your county for your own figures.
Data reviewed · Transfer tax verified April 2026 · Mortgage rates weekly · Methodology
- Lender fees$642 – $1,285
- Third-party services$1,550 – $3,300
- Taxes and government fees$100 – $300
- Prepaid and escrow$985 – $1,157
Every closing cost, and what you can do about it
Fees marked Shop around are where buyers save: compare Loan Estimates and quotes. In Iowa that is $1,792 – $3,885 of your costs.
Lender fees
$642 – $1,285Third-party services
$1,550 – $3,300Taxes and government fees
$100 – $300Prepaid and escrow
$985 – $1,157In Iowa the seller usually pays the transfer tax.
After closing: monthly
$1,145 – $1,228Year one
$51,022All 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.
Iowa closing cost facts
What is specific to buying in Iowa, with sources.
Transfer tax
Sellers usually pay the 0.16% transfer tax. $0.80/$500 (0.16%) on consideration above $500 (first $500 exempt), seller pays. Uniform statewide per Iowa Code Chapter 428A; counties receive a share but rate does not vary.
Verified April 2026. Source
Closing attorney
Iowa 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 Iowa, the calculator estimates it from the county's median taxes paid divided by its median home value.
Closing costs by county in Iowa
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 |
|---|---|---|---|
| Adair County | $160,400 | $3,273 – $6,036 | $35,353 – $38,116 |
| Adams County | $131,600 | $3,023 – $5,638 | $29,343 – $31,958 |
| Allamakee County | $172,300 | $3,373 – $6,195 | $37,833 – $40,655 |
| Appanoose County | $124,200 | $2,977 – $5,562 | $27,817 – $30,402 |
| Audubon County | $121,900 | $2,956 – $5,530 | $27,336 – $29,910 |
| Benton County | $208,200 | $3,694 – $6,704 | $45,334 – $48,344 |
| Black Hawk County | $188,900 | $3,589 – $6,531 | $41,369 – $44,311 |
| Boone County | $212,400 | $3,751 – $6,793 | $46,231 – $49,273 |
| Bremer County | $219,600 | $3,783 – $6,847 | $47,703 – $50,767 |
| Buchanan County | $176,000 | $3,431 – $6,284 | $38,631 – $41,484 |
| Buena Vista County | $159,500 | $3,248 – $5,997 | $35,148 – $37,897 |
| Butler County | $165,400 | $3,335 – $6,132 | $36,415 – $39,212 |
| Calhoun County | $118,800 | $2,925 – $5,481 | $26,685 – $29,241 |
| Carroll County | $176,000 | $3,352 – $6,165 | $38,552 – $41,365 |
| Cass County | $150,300 | $3,203 – $5,923 | $33,263 – $35,983 |
| Cedar County | $211,300 | $3,687 – $6,696 | $45,947 – $48,956 |
| Cerro Gordo County | $166,400 | $3,372 – $6,188 | $36,652 – $39,468 |
| Cherokee County | $158,700 | $3,182 – $5,898 | $34,922 – $37,638 |
| Chickasaw County | $182,600 | $3,385 – $6,221 | $39,905 – $42,741 |
| Clarke County | $161,100 | $3,366 – $6,175 | $35,586 – $38,395 |
| Clay County | $178,600 | $3,391 – $6,226 | $39,111 – $41,946 |
| Clayton County | $168,500 | $3,347 – $6,153 | $37,047 – $39,853 |
| Clinton County | $160,600 | $3,343 – $6,141 | $35,463 – $38,261 |
| Crawford County | $153,700 | $3,218 – $5,947 | $33,958 – $36,687 |
| Dallas County | $355,600 | $5,021 – $8,810 | $76,141 – $79,930 |
| Davis County | $161,900 | $3,320 – $6,106 | $35,700 – $38,486 |
| Decatur County | $113,900 | $2,938 – $5,496 | $25,718 – $28,276 |
| Delaware County | $177,900 | $3,441 – $6,302 | $39,021 – $41,882 |
| Des Moines County | $136,500 | $3,121 – $5,789 | $30,421 – $33,089 |
| Dickinson County | $270,700 | $4,059 – $7,300 | $58,199 – $61,440 |
| Dubuque County | $237,300 | $3,913 – $7,055 | $51,373 – $54,515 |
| Emmet County | $114,100 | $2,914 – $5,460 | $25,734 – $28,280 |
| Fayette County | $136,800 | $3,077 – $5,723 | $30,437 – $33,083 |
| Floyd County | $143,500 | $3,145 – $5,829 | $31,845 – $34,529 |
| Franklin County | $124,100 | $2,971 – $5,553 | $27,791 – $30,373 |
| Fremont County | $154,400 | $3,205 – $5,928 | $34,085 – $36,808 |
| Greene County | $155,400 | $3,197 – $5,917 | $34,277 – $36,997 |
| Grundy County | $198,800 | $3,558 – $6,492 | $43,318 – $46,252 |
| Guthrie County | $180,100 | $3,425 – $6,279 | $39,445 – $42,299 |
| Hamilton County | $156,400 | $3,236 – $5,976 | $34,516 – $37,256 |
| Hancock County | $141,400 | $3,088 – $5,743 | $31,368 – $34,023 |
| Hardin County | $122,500 | $2,969 – $5,549 | $27,469 – $30,049 |
| Harrison County | $176,000 | $3,420 – $6,267 | $38,620 – $41,467 |
| Henry County | $164,300 | $3,384 – $6,204 | $36,244 – $39,064 |
| Howard County | $147,800 | $3,160 – $5,855 | $32,720 – $35,415 |
| Humboldt County | $155,800 | $3,237 – $5,978 | $34,397 – $37,138 |
| Ida County | $108,900 | $2,811 – $5,301 | $24,591 – $27,081 |
| Iowa County | $193,900 | $3,586 – $6,530 | $42,366 – $45,310 |
| Jackson County | $175,000 | $3,386 – $6,216 | $38,386 – $41,216 |
| Jasper County | $186,300 | $3,537 – $6,452 | $40,797 – $43,712 |
| Jefferson County | $163,400 | $3,336 – $6,132 | $36,016 – $38,812 |
| Johnson County | $308,600 | $4,665 – $8,240 | $66,385 – $69,960 |
| Jones County | $184,800 | $3,497 – $6,391 | $40,457 – $43,351 |
| Keokuk County | $118,700 | $2,913 – $5,462 | $26,653 – $29,202 |
| Kossuth County | $148,300 | $3,102 – $5,770 | $32,762 – $35,430 |
| Lee County | $141,400 | $3,136 – $5,814 | $31,416 – $34,094 |
| Linn County | $214,300 | $3,870 – $6,972 | $46,730 – $49,832 |
| Louisa County | $150,100 | $3,158 – $5,854 | $33,178 – $35,874 |
| Lucas County | $120,200 | $2,947 – $5,515 | $26,987 – $29,555 |
| Lyon County | $230,000 | $3,712 – $6,748 | $49,712 – $52,748 |
| Madison County | $245,100 | $4,081 – $7,313 | $53,101 – $56,333 |
| Mahaska County | $157,800 | $3,261 – $6,015 | $34,821 – $37,575 |
| Marion County | $233,000 | $3,873 – $6,993 | $50,473 – $53,593 |
| Marshall County | $145,500 | $3,181 – $5,885 | $32,281 – $34,985 |
| Mills County | $237,800 | $4,012 – $7,204 | $51,572 – $54,764 |
| Mitchell County | $175,100 | $3,346 – $6,157 | $38,366 – $41,177 |
| Monona County | $142,900 | $3,064 – $5,708 | $31,644 – $34,288 |
| Monroe County | $156,300 | $3,264 – $6,018 | $34,524 – $37,278 |
| Montgomery County | $121,400 | $3,015 – $5,618 | $27,295 – $29,898 |
| Muscatine County | $182,100 | $3,527 – $6,433 | $39,947 – $42,853 |
| O'Brien County | $173,100 | $3,297 – $6,081 | $37,917 – $40,701 |
| Osceola County | $122,600 | $2,920 – $5,476 | $27,440 – $29,996 |
| Page County | $125,300 | $3,000 – $5,598 | $28,060 – $30,658 |
| Palo Alto County | $123,200 | $2,938 – $5,504 | $27,578 – $30,144 |
| Plymouth County | $228,900 | $3,782 – $6,852 | $49,562 – $52,632 |
| Pocahontas County | $98,100 | $2,716 – $5,151 | $22,336 – $24,771 |
| Polk County | $262,100 | $4,319 – $7,683 | $56,739 – $60,103 |
| Pottawattamie County | $195,700 | $3,670 – $6,658 | $42,810 – $45,798 |
| Poweshiek County | $209,300 | $3,674 – $6,675 | $45,534 – $48,535 |
| Ringgold County | $156,200 | $3,254 – $6,004 | $34,494 – $37,244 |
| Sac County | $141,400 | $3,069 – $5,714 | $31,349 – $33,994 |
| Scott County | $222,000 | $3,873 – $6,984 | $48,273 – $51,384 |
| Shelby County | $164,000 | $3,304 – $6,085 | $36,104 – $38,885 |
| Sioux County | $250,100 | $3,976 – $7,160 | $53,996 – $57,180 |
| Story County | $258,700 | $4,170 – $7,457 | $55,910 – $59,197 |
| Tama County | $148,600 | $3,196 – $5,911 | $32,916 – $35,631 |
| Taylor County | $117,200 | $2,901 – $5,443 | $26,341 – $28,883 |
| Union County | $122,000 | $3,051 – $5,672 | $27,451 – $30,072 |
| Van Buren County | $114,600 | $2,863 – $5,384 | $25,783 – $28,304 |
| Wapello County | $125,100 | $3,034 – $5,649 | $28,054 – $30,669 |
| Warren County | $269,600 | $4,279 – $7,629 | $58,199 – $61,549 |
| Washington County | $203,900 | $3,676 – $6,674 | $44,456 – $47,454 |
| Wayne County | $111,300 | $2,868 – $5,388 | $25,128 – $27,648 |
| Webster County | $153,800 | $3,246 – $5,989 | $34,006 – $36,749 |
| Winnebago County | $135,000 | $3,065 – $5,704 | $30,065 – $32,704 |
| Winneshiek County | $259,200 | $4,050 – $7,278 | $55,890 – $59,118 |
| Woodbury County | $183,200 | $3,521 – $6,425 | $40,161 – $43,065 |
| Worth County | $145,800 | $3,104 – $5,771 | $32,264 – $34,931 |
| Wright County | $119,600 | $2,970 – $5,549 | $26,890 – $29,469 |
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 Iowa.
How much are closing costs in Iowa?
With 20% down, buyer closing costs in Iowa run $2,716 in Pocahontas County to $8,810 in Dallas 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 Iowa have a transfer tax, and who pays it?
Yes. Sellers usually pay the 0.16% transfer tax. $0.80/$500 (0.16%) on consideration above $500 (first $500 exempt), seller pays. Uniform statewide per Iowa Code Chapter 428A; counties receive a share but rate does not vary.
Do I need an attorney to close on a home in Iowa?
Usually not. Iowa 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 Iowa?
With 20% down, cash due at closing in Iowa runs $22,336 in Pocahontas County to $79,930 in Dallas County, each at its median home value: the down payment plus closing costs.
More on Iowa
Property tax by county, exemptions and median home values are on the Iowa property tax page. Compare other states on the closing cost calculator. How every figure is built is on the methodology page.