Texas · Buyer closing costs2024 Census data
Texas Closing Cost Calculator
Across Texas's 249 counties, buyer closing costs run $2,329 to $11,238 at each county's median home value with 20% down. Cash needed at closing, with closing costs and the down payment, runs $12,749 to $115,838. Pick your county for your own figures.
Data reviewed · Transfer tax verified April 2026 · Mortgage rates weekly · Methodology
Optional. Picking your county refines the property tax in your closing costs.
$Texas median: $169,300
$20.0% downLTV: 80.00%
Loan term
7.40% fixed, Freddie Mac average, week ending October 15, 2026.Monthly, if any
$/moLeave at $0 if the property has no homeowners association.Yearly, if any
$/yrMUD or PID charges on the bill. The county rate already averages in some MUD tax, so this can run slightly high. Ask for the seller's latest tax bill.Estimated closing costs$4,699Likely $3,306 – $6,091 · 2.8% of the priceUsing Texas's median figures. Pick your county to refine the property tax part.
- Lender fees$677 – $1,354
- Third-party services$1,550 – $3,300
- Taxes and government fees$100 – $300
- Prepaid and escrow$979 – $1,137
Every closing cost, and what you can do about it
Fees marked Shop around are where buyers save: compare Loan Estimates and quotes. In Texas that is $1,027 – $1,954 of your costs.
Lender fees
$677 – $1,354Loan origination feeShop aroundIndustry norm is 0.5%-1.0% of the loan amount; shop multiple lenders to compare$677 – $1,354
Third-party services
$1,550 – $3,300Title insuranceRate set by stateCombined lender's and owner's policies typically run $800-$2,000; rates are regulated in FL, TX, and NM$800 – $2,000
Home appraisalLender orders2026 single-family appraisals typically run $400-$700; larger or complex homes cost more$400 – $700
Home inspectionShop aroundStandard single-family inspections run $350-$600 in 2026; specialty tests (radon, mold, termite) are extra$350 – $600
Taxes and government fees
$100 – $300Recording feesSet by countyCounty government fee to record the deed and mortgage; 2026 national average is around $125$100 – $300
Prepaid and escrow
$979 – $1,137Prepaid mortgage interestPaid in advanceApproximately 15 days of interest at your rate, depending on closing date$412
Homeowners insurance (2 months)Paid in advanceLenders typically collect 2 months of premium upfront and hold it in escrow$250
Property tax escrow (2-3 months)Paid in advanceLenders typically collect 2-3 months of property tax upfront and hold it in escrow$317 – $475
Texas has no real estate transfer tax.
After closing: monthly
$1,179 – $1,263Mortgage (30yr, 7.40%)$938/mo
Property tax$158/mo
Homeowners insurance (est.)$83 – $167/mo
Year one
$53,212Cash at closing (midpoint)$38,559
12 months of payments (midpoint)$14,653
Estimated year-one total$53,212
Closing costs$3,306 – $6,091Fees, taxes and prepaid items
Cash to close$37,166 – $39,95120% down plus closing costs
Year one$53,212Cash to close plus 12 months of payments
All 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.
Texas closing cost facts
What is specific to buying in Texas, with sources.
Transfer tax
Texas has no real estate transfer tax. Texas imposes no state real estate transfer tax. Tex. Tax Code effectively prohibits counties and municipalities from imposing one. Only nominal county recording fees apply.
Verified April 2026. Source
Closing attorney
Texas 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. The 10% homestead appraisal cap ends when the home changes hands. A buyer is taxed on the full appraised value. So a buyer's tax, and the escrow collected, is often higher than what the current owner pays.
Closing costs by county in Texas
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 |
|---|---|---|---|
| Anderson County | $185,300 | $3,376 – $6,209 | $40,436 – $43,269 |
| Andrews County | $195,700 | $3,577 – $6,519 | $42,717 – $45,659 |
| Angelina County | $163,500 | $3,248 – $6,000 | $35,948 – $38,700 |
| Aransas County | $265,400 | $4,058 – $7,295 | $57,138 – $60,375 |
| Archer County | $189,100 | $3,499 – $6,397 | $41,319 – $44,217 |
| Armstrong County | $171,500 | $3,355 – $6,167 | $37,655 – $40,467 |
| Atascosa County | $174,800 | $3,400 – $6,237 | $38,360 – $41,197 |
| Austin County | $296,900 | $4,382 – $7,806 | $63,762 – $67,186 |
| Bailey County | $105,300 | $2,844 – $5,349 | $23,904 – $26,409 |
| Bandera County | $278,400 | $4,097 – $7,364 | $59,777 – $63,044 |
| Bastrop County | $314,800 | $4,667 – $8,248 | $67,627 – $71,208 |
| Baylor County | $103,100 | $2,778 – $5,248 | $23,398 – $25,868 |
| Bee County | $111,300 | $2,885 – $5,415 | $25,145 – $27,675 |
| Bell County | $241,000 | $4,030 – $7,233 | $52,230 – $55,433 |
| Bexar County | $262,200 | $4,343 – $7,720 | $56,783 – $60,160 |
| Blanco County | $483,500 | $5,762 – $10,022 | $102,462 – $106,722 |
| Borden County | $108,900 | $2,677 – $5,101 | $24,457 – $26,881 |
| Bosque County | $200,900 | $3,519 – $6,436 | $43,699 – $46,616 |
| Bowie County | $173,000 | $3,352 – $6,164 | $37,952 – $40,764 |
| Brazoria County | $301,600 | $4,674 – $8,247 | $64,994 – $68,567 |
| Brazos County | $296,000 | $4,565 – $8,080 | $63,765 – $67,280 |
| Brewster County | $227,000 | $3,789 – $6,862 | $49,189 – $52,262 |
| Briscoe County | $90,300 | $2,644 – $5,037 | $20,704 – $23,097 |
| Brooks County | $81,000 | $2,598 – $4,960 | $18,798 – $21,160 |
| Brown County | $158,900 | $3,217 – $5,950 | $34,997 – $37,730 |
| Burleson County | $191,000 | $3,431 – $6,297 | $41,631 – $44,497 |
| Burnet County | $344,000 | $4,719 – $8,349 | $73,519 – $77,149 |
| Caldwell County | $240,500 | $3,986 – $7,168 | $52,086 – $55,268 |
| Calhoun County | $171,200 | $3,360 – $6,175 | $37,600 – $40,415 |
| Callahan County | $145,500 | $3,056 – $5,698 | $32,156 – $34,798 |
| Cameron County | $136,500 | $3,118 – $5,785 | $30,418 – $33,085 |
| Camp County | $173,100 | $3,330 – $6,131 | $37,950 – $40,751 |
| Carson County | $143,000 | $3,104 – $5,768 | $31,704 – $34,368 |
| Cass County | $146,400 | $3,071 – $5,721 | $32,351 – $35,001 |
| Castro County | $95,000 | $2,657 – $5,060 | $21,657 – $24,060 |
| Chambers County | $329,500 | $4,598 – $8,156 | $70,498 – $74,056 |
| Cherokee County | $169,300 | $3,316 – $6,107 | $37,176 – $39,967 |
| Childress County | $125,400 | $2,956 – $5,532 | $28,036 – $30,612 |
| Clay County | $171,500 | $3,367 – $6,185 | $37,667 – $40,485 |
| Cochran County | $53,200 | $2,339 – $4,551 | $12,979 – $15,191 |
| Coke County | $117,900 | $2,887 – $5,423 | $26,467 – $29,003 |
| Coleman County | $92,500 | $2,704 – $5,128 | $21,204 – $23,628 |
| Collin County | $475,600 | $6,213 – $10,692 | $101,333 – $105,812 |
| Collingsworth County | $104,000 | $2,788 – $5,263 | $23,588 – $26,063 |
| Colorado County | $209,800 | $3,617 – $6,590 | $45,577 – $48,550 |
| Comal County | $427,200 | $5,453 – $9,515 | $90,893 – $94,955 |
| Comanche County | $155,600 | $3,250 – $5,997 | $34,370 – $37,117 |
| Concho County | $107,400 | $2,891 – $5,420 | $24,371 – $26,900 |
| Cooke County | $240,400 | $3,924 – $7,074 | $52,004 – $55,154 |
| Coryell County | $195,300 | $3,599 – $6,551 | $42,659 – $45,611 |
| Cottle County | $59,300 | $2,395 – $4,639 | $14,255 – $16,499 |
| Crane County | $129,400 | $2,957 – $5,536 | $28,837 – $31,416 |
| Crosby County | $80,900 | $2,667 – $5,064 | $18,847 – $21,244 |
| Culberson County | $79,300 | $2,538 – $4,870 | $18,398 – $20,730 |
| Dallam County | $151,400 | $3,163 – $5,864 | $33,443 – $36,144 |
| Dallas County | $303,000 | $4,649 – $8,210 | $65,249 – $68,810 |
| Dawson County | $103,400 | $2,845 – $5,348 | $23,525 – $26,028 |
| Deaf Smith County | $121,300 | $2,981 – $5,566 | $27,241 – $29,826 |
| Delta County | $164,300 | $3,217 – $5,955 | $36,077 – $38,815 |
| Denton County | $437,200 | $5,889 – $10,175 | $93,329 – $97,615 |
| DeWitt County | $170,900 | $3,244 – $6,000 | $37,424 – $40,180 |
| Dickens County | $65,300 | $2,477 – $4,766 | $15,537 – $17,826 |
| Dimmit County | $85,500 | $2,654 – $5,048 | $19,754 – $22,148 |
| Donley County | $96,400 | $2,706 – $5,135 | $21,986 – $24,415 |
| Duval County | $89,400 | $2,666 – $5,070 | $20,546 – $22,950 |
| Eastland County | $134,800 | $3,010 – $5,621 | $29,970 – $32,581 |
| Ector County | $200,200 | $3,611 – $6,573 | $43,651 – $46,613 |
| El Paso County | $180,400 | $3,671 – $6,647 | $39,751 – $42,727 |
| Ellis County | $348,600 | $4,925 – $8,661 | $74,645 – $78,381 |
| Erath County | $269,100 | $4,112 – $7,379 | $57,932 – $61,199 |
| Falls County | $110,900 | $2,867 – $5,387 | $25,047 – $27,567 |
| Fannin County | $233,700 | $3,825 – $6,920 | $50,565 – $53,660 |
| Fayette County | $293,900 | $4,226 – $7,569 | $63,006 – $66,349 |
| Fisher County | $78,600 | $2,632 – $5,010 | $18,352 – $20,730 |
| Floyd County | $89,600 | $2,661 – $5,061 | $20,581 – $22,981 |
| Foard County | $70,700 | $2,486 – $4,785 | $16,626 – $18,925 |
| Fort Bend County | $374,500 | $5,470 – $9,499 | $80,370 – $84,399 |
| Franklin County | $226,300 | $3,693 – $6,717 | $48,953 – $51,977 |
| Freestone County | $168,000 | $3,244 – $5,998 | $36,844 – $39,598 |
| Frio County | $107,700 | $2,871 – $5,391 | $24,411 – $26,931 |
| Gaines County | $200,700 | $3,715 – $6,730 | $43,855 – $46,870 |
| Galveston County | $314,600 | $4,664 – $8,243 | $67,584 – $71,163 |
| Garza County | $77,800 | $2,604 – $4,967 | $18,164 – $20,527 |
| Gillespie County | $460,700 | $5,613 – $9,781 | $97,753 – $101,921 |
| Glasscock County | $245,200 | $3,702 – $6,745 | $52,742 – $55,785 |
| Goliad County | $192,500 | $3,440 – $6,311 | $41,940 – $44,811 |
| Gonzales County | $159,100 | $3,271 – $6,031 | $35,091 – $37,851 |
| Gray County | $102,900 | $2,797 – $5,275 | $23,377 – $25,855 |
| Grayson County | $248,400 | $4,022 – $7,228 | $53,702 – $56,908 |
| Gregg County | $203,400 | $3,603 – $6,564 | $44,283 – $47,244 |
| Grimes County | $237,400 | $3,830 – $6,930 | $51,310 – $54,410 |
| Guadalupe County | $304,400 | $4,582 – $8,112 | $65,462 – $68,992 |
| Hale County | $116,500 | $2,904 – $5,447 | $26,204 – $28,747 |
| Hall County | $86,100 | $2,635 – $5,020 | $19,855 – $22,240 |
| Hamilton County | $147,700 | $3,161 – $5,857 | $32,701 – $35,397 |
| Hansford County | $124,800 | $3,080 – $5,717 | $28,040 – $30,677 |
| Hardeman County | $81,900 | $2,568 – $4,916 | $18,948 – $21,296 |
| Hardin County | $205,700 | $3,596 – $6,556 | $44,736 – $47,696 |
| Harris County | $276,600 | $4,428 – $7,858 | $59,748 – $63,178 |
| Harrison County | $180,400 | $3,354 – $6,172 | $39,434 – $42,252 |
| Hartley County | $262,500 | $4,030 – $7,250 | $56,530 – $59,750 |
| Haskell County | $98,700 | $2,725 – $5,165 | $22,465 – $24,905 |
| Hays County | $399,800 | $5,580 – $9,683 | $85,540 – $89,643 |
| Hemphill County | $205,700 | $3,622 – $6,594 | $44,762 – $47,734 |
| Henderson County | $211,300 | $3,591 – $6,552 | $45,851 – $48,812 |
| Hidalgo County | $140,900 | $3,186 – $5,890 | $31,366 – $34,070 |
| Hill County | $179,200 | $3,399 – $6,239 | $39,239 – $42,079 |
| Hockley County | $127,000 | $3,010 – $5,615 | $28,410 – $31,015 |
| Hood County | $306,400 | $4,407 – $7,851 | $65,687 – $69,131 |
| Hopkins County | $221,100 | $3,693 – $6,712 | $47,913 – $50,932 |
| Houston County | $164,900 | $3,192 – $5,917 | $36,172 – $38,897 |
| Howard County | $155,600 | $3,148 – $5,843 | $34,268 – $36,963 |
| Hudspeth County | $64,000 | $2,445 – $4,718 | $15,245 – $17,518 |
| Hunt County | $241,700 | $3,955 – $7,122 | $52,295 – $55,462 |
| Hutchinson County | $119,100 | $2,933 – $5,493 | $26,753 – $29,313 |
| Irion County | $204,400 | $3,452 – $6,339 | $44,332 – $47,219 |
| Jack County | $251,200 | $3,925 – $7,084 | $54,165 – $57,324 |
| Jackson County | $203,900 | $3,559 – $6,499 | $44,339 – $47,279 |
| Jasper County | $136,400 | $2,998 – $5,604 | $30,278 – $32,884 |
| Jeff Davis County | $226,200 | $3,582 – $6,551 | $48,822 – $51,791 |
| Jefferson County | $169,500 | $3,424 – $6,268 | $37,324 – $40,168 |
| Jim Hogg County | $129,400 | $2,942 – $5,514 | $28,822 – $31,394 |
| Jim Wells County | $123,600 | $2,933 – $5,496 | $27,653 – $30,216 |
| Johnson County | $285,900 | $4,332 – $7,722 | $61,512 – $64,902 |
| Jones County | $96,500 | $2,777 – $5,241 | $22,077 – $24,541 |
| Karnes County | $149,000 | $3,090 – $5,752 | $32,890 – $35,552 |
| Kaufman County | $320,900 | $4,861 – $8,542 | $69,041 – $72,722 |
| Kendall County | $512,700 | $6,141 – $10,613 | $108,681 – $113,153 |
| Kent County | $122,200 | $2,825 – $5,334 | $27,265 – $29,774 |
| Kerr County | $321,200 | $4,483 – $7,977 | $68,723 – $72,217 |
| Kimble County | $201,300 | $3,621 – $6,590 | $43,881 – $46,850 |
| King County | $52,100 | $2,329 – $4,535 | $12,749 – $14,955 |
| Kinney County | $82,000 | $2,620 – $4,995 | $19,020 – $21,395 |
| Kleberg County | $161,300 | $3,333 – $6,125 | $35,593 – $38,385 |
| Knox County | $77,300 | $2,603 – $4,966 | $18,063 – $20,426 |
| La Salle County | $97,800 | $2,768 – $5,229 | $22,328 – $24,789 |
| Lamar County | $200,700 | $3,482 – $6,381 | $43,622 – $46,521 |
| Lamb County | $82,400 | $2,583 – $4,939 | $19,063 – $21,419 |
| Lampasas County | $250,400 | $3,999 – $7,195 | $54,079 – $57,275 |
| Lavaca County | $228,300 | $3,709 – $6,742 | $49,369 – $52,402 |
| Lee County | $267,800 | $4,053 – $7,290 | $57,613 – $60,850 |
| Leon County | $186,400 | $3,313 – $6,115 | $40,593 – $43,395 |
| Liberty County | $181,700 | $3,424 – $6,279 | $39,764 – $42,619 |
| Limestone County | $164,200 | $3,282 – $6,051 | $36,122 – $38,891 |
| Lipscomb County | $124,300 | $2,991 – $5,584 | $27,851 – $30,444 |
| Live Oak County | $159,200 | $3,178 – $5,892 | $35,018 – $37,732 |
| Llano County | $356,500 | $4,637 – $8,234 | $75,937 – $79,534 |
| Lubbock County | $214,100 | $3,818 – $6,894 | $46,638 – $49,714 |
| Lynn County | $147,300 | $3,282 – $6,038 | $32,742 – $35,498 |
| Madison County | $176,200 | $3,321 – $6,120 | $38,561 – $41,360 |
| Marion County | $101,500 | $2,678 – $5,096 | $22,978 – $25,396 |
| Martin County | $174,800 | $3,289 – $6,070 | $38,249 – $41,030 |
| Mason County | $293,600 | $4,199 – $7,528 | $62,919 – $66,248 |
| Matagorda County | $172,900 | $3,400 – $6,236 | $37,980 – $40,816 |
| Maverick County | $158,700 | $3,250 – $6,000 | $34,990 – $37,740 |
| McCulloch County | $150,500 | $3,117 – $5,794 | $33,217 – $35,894 |
| McLennan County | $243,600 | $4,046 – $7,259 | $52,766 – $55,979 |
| McMullen County | $97,100 | $2,591 – $4,963 | $22,011 – $24,383 |
| Medina County | $239,600 | $3,969 – $7,141 | $51,889 – $55,061 |
| Menard County | $108,500 | $2,950 – $5,510 | $24,650 – $27,210 |
| Midland County | $312,700 | $4,550 – $8,070 | $67,090 – $70,610 |
| Milam County | $189,800 | $3,433 – $6,299 | $41,393 – $44,259 |
| Mills County | $223,700 | $3,629 – $6,619 | $48,369 – $51,359 |
| Mitchell County | $85,800 | $2,718 – $5,145 | $19,878 – $22,305 |
| Montague County | $206,400 | $3,545 – $6,479 | $44,825 – $47,759 |
| Montgomery County | $346,200 | $5,005 – $8,779 | $74,245 – $78,019 |
| Moore County | $152,600 | $3,213 – $5,938 | $33,733 – $36,458 |
| Morris County | $120,400 | $2,896 – $5,438 | $26,976 – $29,518 |
| Motley County | $88,000 | $2,617 – $4,994 | $20,217 – $22,594 |
| Nacogdoches County | $169,200 | $3,222 – $5,965 | $37,062 – $39,805 |
| Navarro County | $172,600 | $3,356 – $6,169 | $37,876 – $40,689 |
| Newton County | $103,100 | $2,704 – $5,137 | $23,324 – $25,757 |
| Nolan County | $96,300 | $2,765 – $5,224 | $22,025 – $24,484 |
| Nueces County | $208,800 | $3,798 – $6,861 | $45,558 – $48,621 |
| Ochiltree County | $134,400 | $3,082 – $5,729 | $29,962 – $32,609 |
| Oldham County | $162,800 | $3,244 – $5,993 | $35,804 – $38,553 |
| Orange County | $173,400 | $3,374 – $6,197 | $38,054 – $40,877 |
| Palo Pinto County | $198,000 | $3,541 – $6,467 | $43,141 – $46,067 |
| Panola County | $158,100 | $3,124 – $5,810 | $34,744 – $37,430 |
| Parker County | $375,900 | $5,193 – $9,084 | $80,373 – $84,264 |
| Parmer County | $146,700 | $3,156 – $5,848 | $32,496 – $35,188 |
| Pecos County | $165,700 | $3,250 – $6,005 | $36,390 – $39,145 |
| Polk County | $184,800 | $3,366 – $6,193 | $40,326 – $43,153 |
| Potter County | $147,300 | $3,205 – $5,923 | $32,665 – $35,383 |
| Presidio County | $121,300 | $2,931 – $5,492 | $27,191 – $29,752 |
| Rains County | $241,100 | $3,860 – $6,980 | $52,080 – $55,200 |
| Randall County | $238,800 | $4,038 – $7,244 | $51,798 – $55,004 |
| Reagan County | $171,500 | $3,266 – $6,034 | $37,566 – $40,334 |
| Real County | $112,500 | $2,825 – $5,325 | $25,325 – $27,825 |
| Red River County | $121,500 | $2,886 – $5,423 | $27,186 – $29,723 |
| Reeves County | $118,000 | $2,871 – $5,399 | $26,471 – $28,999 |
| Refugio County | $99,000 | $2,780 – $5,247 | $22,580 – $25,047 |
| Roberts County | $161,500 | $3,237 – $5,981 | $35,537 – $38,281 |
| Robertson County | $185,900 | $3,409 – $6,260 | $40,589 – $43,440 |
| Rockwall County | $415,500 | $5,639 – $9,783 | $88,739 – $92,883 |
| Runnels County | $109,300 | $2,853 – $5,365 | $24,713 – $27,225 |
| Rusk County | $171,300 | $3,301 – $6,086 | $37,561 – $40,346 |
| Sabine County | $153,100 | $3,095 – $5,762 | $33,715 – $36,382 |
| San Augustine County | $99,900 | $2,655 – $5,061 | $22,635 – $25,041 |
| San Jacinto County | $209,300 | $3,591 – $6,550 | $45,451 – $48,410 |
| San Patricio County | $192,400 | $3,615 – $6,574 | $42,095 – $45,054 |
| San Saba County | $168,700 | $3,237 – $5,988 | $36,977 – $39,728 |
| Schleicher County | $122,700 | $2,945 – $5,513 | $27,485 – $30,053 |
| Scurry County | $113,800 | $2,873 – $5,399 | $25,633 – $28,159 |
| Shackelford County | $174,800 | $3,358 – $6,174 | $38,318 – $41,134 |
| Shelby County | $101,500 | $2,724 – $5,165 | $23,024 – $25,465 |
| Sherman County | $146,900 | $3,267 – $6,015 | $32,647 – $35,395 |
| Smith County | $240,700 | $3,916 – $7,062 | $52,056 – $55,202 |
| Somervell County | $289,500 | $4,201 – $7,529 | $62,101 – $65,429 |
| Starr County | $95,100 | $2,692 – $5,113 | $21,712 – $24,133 |
| Stephens County | $110,200 | $2,881 – $5,408 | $24,921 – $27,448 |
| Sterling County | $147,000 | $3,161 – $5,857 | $32,561 – $35,257 |
| Sutton County | $155,700 | $3,219 – $5,951 | $34,359 – $37,091 |
| Swisher County | $86,300 | $2,703 – $5,122 | $19,963 – $22,382 |
| Tarrant County | $323,900 | $4,873 – $8,563 | $69,653 – $73,343 |
| Taylor County | $198,600 | $3,632 – $6,604 | $43,352 – $46,324 |
| Terrell County | $137,500 | $2,994 – $5,599 | $30,494 – $33,099 |
| Terry County | $105,400 | $2,875 – $5,394 | $23,955 – $26,474 |
| Throckmorton County | $89,500 | $2,667 – $5,071 | $20,567 – $22,971 |
| Titus County | $174,000 | $3,369 – $6,189 | $38,169 – $40,989 |
| Tom Green County | $197,000 | $3,589 – $6,538 | $42,989 – $45,938 |
| Travis County | $523,000 | $6,552 – $11,238 | $111,152 – $115,838 |
| Trinity County | $119,500 | $2,879 – $5,413 | $26,779 – $29,313 |
| Tyler County | $157,300 | $3,146 – $5,842 | $34,606 – $37,302 |
| Upshur County | $167,800 | $3,312 – $6,099 | $36,872 – $39,659 |
| Upton County | $109,000 | $2,797 – $5,281 | $24,597 – $27,081 |
| Uvalde County | $150,800 | $3,232 – $5,967 | $33,392 – $36,127 |
| Val Verde County | $164,600 | $3,351 – $6,156 | $36,271 – $39,076 |
| Van Zandt County | $222,100 | $3,712 – $6,742 | $48,132 – $51,162 |
| Victoria County | $209,900 | $3,760 – $6,805 | $45,740 – $48,785 |
| Walker County | $226,900 | $3,804 – $6,884 | $49,184 – $52,264 |
| Waller County | $318,700 | $4,625 – $8,187 | $68,365 – $71,927 |
| Ward County | $150,700 | $3,030 – $5,663 | $33,170 – $35,803 |
| Washington County | $288,100 | $4,277 – $7,642 | $61,897 – $65,262 |
| Webb County | $189,900 | $3,692 – $6,686 | $41,672 – $44,666 |
| Wharton County | $189,900 | $3,602 – $6,551 | $41,582 – $44,531 |
| Wheeler County | $106,100 | $2,827 – $5,324 | $24,047 – $26,544 |
| Wichita County | $153,700 | $3,309 – $6,084 | $34,049 – $36,824 |
| Wilbarger County | $89,400 | $2,714 – $5,141 | $20,594 – $23,021 |
| Willacy County | $73,600 | $2,580 – $4,928 | $17,300 – $19,648 |
| Williamson County | $447,000 | $5,976 – $10,315 | $95,376 – $99,715 |
| Wilson County | $321,300 | $4,622 – $8,184 | $68,882 – $72,444 |
| Winkler County | $148,200 | $3,040 – $5,676 | $32,680 – $35,316 |
| Wise County | $304,900 | $4,439 – $7,898 | $65,419 – $68,878 |
| Wood County | $216,500 | $3,610 – $6,584 | $46,910 – $49,884 |
| Yoakum County | $182,600 | $3,360 – $6,184 | $39,880 – $42,704 |
| Young County | $175,800 | $3,357 – $6,173 | $38,517 – $41,333 |
| Zapata County | $97,100 | $2,678 – $5,093 | $22,098 – $24,513 |
| Zavala County | $98,800 | $2,788 – $5,259 | $22,548 – $25,019 |
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 Texas.
How much are closing costs in Texas?
With 20% down, buyer closing costs in Texas run $2,329 in King County to $11,238 in Travis 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 Texas have a transfer tax, and who pays it?
No. Texas has no real estate transfer tax. Texas imposes no state real estate transfer tax. Tex. Tax Code effectively prohibits counties and municipalities from imposing one. Only nominal county recording fees apply.
Do I need an attorney to close on a home in Texas?
Usually not. Texas 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 Texas?
With 20% down, cash due at closing in Texas runs $12,749 in King County to $115,838 in Travis County, each at its median home value: the down payment plus closing costs.
More on Texas
Property tax by county, exemptions and median home values are on the Texas property tax page. Compare other states on the closing cost calculator. How every figure is built is on the methodology page.