Georgia transfer tax
Official source data 2026-10-02
On a $400,000 residential purchase in Georgia
$400
modeled deed & transfer taxes
State tax applies when transferred value exceeds $100: $1 for the first $1,000 or fraction, then $0.10 per additional $100 or fraction. This purchase scenario treats the entered price as transferred value; gifts, retained liens and other exemptions need separate review.
Check the tax on your price.
Where the tax goes.
| Component | Amount |
|---|---|
| Base deed / transfer taxes | $400 |
| Selected local deed taxes | $0 |
| Buyer statutory surcharges | $0 |
| Seller statutory surcharges | $0 |
| Total modeled transfer taxes | $400 |
The buyer and seller can negotiate many expenses. This calculation excludes lender credits, seller concessions, prorated rent, HOA charges, inspections, repairs, and any mortgage taxes not in the stated deed-tax scope.
Georgia rules and assumptions.
Transfer-tax scope
State tax applies when transferred value exceeds $100: $1 for the first $1,000 or fraction, then $0.10 per additional $100 or fraction. This purchase scenario treats the entered price as transferred value; gifts, retained liens and other exemptions need separate review.
Settlement & title
Attorney-led closing is the planning scenario. The State Bar describes lawyer handling of a real-estate closing, subject to the pro se exception; obtain an actual legal-services quote.
Read the official legal-services guidance
Georgia's State Bar guidance addresses the lawyer's role in real-estate closings. Request title-policy and endorsement pricing separately from legal, search and settlement services; this allowance is not an insurer premium schedule.
Recording fees
GSCCCA's flat-rate guide distinguishes conveyance and security instruments and other filings. Budget for each required record; the deed transfer tax already modeled is separate from the clerk fee.
Good questions. Clear answers.
How much are closing costs in Georgia?
For the entered $400,000 price, this scenario produces $9,750 of buyer costs and $20,900 of seller costs. The fees are adjustable allowances; only the cited taxes follow the selected statutory scope.
Who pays the transfer tax?
The default allocation follows the state scenario shown above. The closing-cost tool lets you change the contractual deed-tax allocation; statutory buyer or seller surcharges retain their separate payer.
Is the down payment a closing cost?
It is not a service fee. This tool shows $80,000 as the down payment and $89,750 as total estimated buyer cash to close.
Are the title and attorney fees official state rates?
The defaults are planning allowances, not published title-policy quotes. Enter the applicable insurance or title-guaranty quote and the closing professional’s quote. Policy type, endorsements, loan size and reissue discounts can change the cost. Set the title payer to match your contract; use the additional buyer amount for coverage excluded from the percentage allowance.
How do I calculate seller net proceeds?
Subtract seller closing costs and the entered mortgage payoff from the sale price. Here that gives $379,100. Capital-gains tax, repair credits and other liens are excluded.
Check the source.
Data as of 2026-10-02. Retrieved .
- dor.georgia.gov / real-estate-transfer-tax
- dca.georgia.gov / download
- www.consumerfinance.gov / closing-disclosure As of 2026-10-02
- www.consumerfinance.gov / loan-estimate As of 2026-10-02
- www.gabar.org / handbook As of 2026-10-02
- efile.gsccca.org / flrguide.aspx As of 2026-10-02