US Property Transfer Tax Calculator (2026)

Estimate state real estate transfer tax — documentary stamps (FL), realty transfer fees (NJ), deeds excise (MA), real estate excise tax (WA), and conveyance taxes (CT, HI). No transfer tax in TX, ID, MS, MO, MT, KS, ND, NM, UT, WY, AK, and IN. NYC RPTT + Mansion Tax, Philadelphia, and Chicago overlays included where selected.

Guidance, not advice. This calculator runs the rules as published, it doesn't assess your circumstances. Your actual tax may be affected by factors it doesn't cover (deductions, credits, filing status nuances, state-specific adjustments). Always seek financial or tax advice from a qualified CPA, Enrolled Agent, or tax attorney, or contact the IRS. Read our editorial scope →

Inputs

State transfer / documentary stamp / deed recordation tax plus major city overlays (NYC RPTT + Mansion Tax, Philadelphia, Chicago).

Purchase price

State

Property type

Residential

Commercial

California has no state-level transfer tax

California has no state transfer tax. Counties levy $1.10/$1,000 (0.11%); cities (SF, LA, Oakland) layer significant additional rates.

Transfer tax breakdown

California None at state level · Customarily paid by negotiable

California None at state level

Total transfer tax

Effective rate on price

0.000%

State rate note

California has no state transfer tax. Counties levy $1.10/$1,000 (0.11%); cities (SF, LA, Oakland) layer significant additional rates.

Tax year 2026 · USD · OBBBA permanent law

Formula: Transfer tax = state rate × price (or progressive brackets) + fixed recording fees + applicable local overlays (NYC RPTT + Mansion Tax, Philadelphia, Chicago).

Assumptions

State rates current to 2026-01-01 schedules. County overlays only modelled for NYC, Philadelphia, and Chicago — other counties (SF, LA, Oakland, Aspen, Cape Cod) noted but not calculated.
Customary payer is informational only; transfer tax incidence is negotiable in the purchase agreement.
NYC Mansion Tax applies a single flat rate to the FULL purchase price based on the bracket reached (not progressive).
First-time buyer rebates, veteran exemptions, and primary-residence reductions are NOT modelled.
Mortgage recording tax (NY, AL, FL, MN, OK, TN, VA) is separate from transfer tax and not included here.

Estimates only — not tax advice. Brackets, deductions and thresholds reflect the locked 2026 federal configuration. State amounts use each state's posted 2026 top-line rules and may differ from a full state-form computation. Always confirm complex situations with a qualified CPA, EA, or tax attorney.