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Deed Recording Tax Calculator

Deed recording triggers state/county tax. This calculator sizes the stamps.

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Total recording tax

$33,250

State tax

$24,500

Local (county + mun)

$8,750

How the math works

Total = purchase × (state + county + municipal rates).

Real estate transfer taxes are non-negotiable once the deed records. Confirm the jurisdiction's total combined rate at LOI — it can swing closing cost by 1-2% of purchase price, material to an IRR calculation on thin-margin deals.

How to Use

  1. Enter purchase price.
  2. Enter state rate %.
  3. Enter county rate %.
  4. Enter municipal rate %.
  5. Read total recording tax.

Frequently Asked Questions

State variation?

Florida: 0.7% state. New York: 0.4% state + NYC city (1-1.425%). California: 0.11% state + county additions. Texas: no state tax. Pennsylvania: 1% state + 1% local. Check specific jurisdiction carefully.

Who pays?

Varies. Florida, NY (buyer in commercial): usually buyer. California, DC: usually seller. Can be negotiated in PSA. Always confirm in advance — surprise at closing when seller hands buyer a five-figure tax bill is unpleasant.

Exemptions?

Transfers to/from trusts (often exempt). Divorce transfers (often exempt). Deed-in-lieu of foreclosure. Government transfers. Each jurisdiction has specific rules; title attorney tracks.

How often should I rerun this?

Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.

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