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US Stamp Duty Calculator 2026 2026 RATES

Calculate real estate transfer taxes (documentary stamp tax) for any US state instantly. Covers all 50 states + Washington D.C. with the latest 2026 rates.

Includes graduated rates (WA, CT, NY, HI), Mansion Tax, county estimates and no-tax state identification.

100% Free All 50 States + DC 2026 Rates No Registration
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Total Transfer Tax Estimate

$0.00
Effective rate: 0.000%
Property Price
$0
State Transfer Tax
$0
Mansion Tax
$0
County/Local (est.)
Total Estimated
$0

Tax Breakdown

Tax Component Rate Taxable Amount Tax Due
State note:
⚠️ Disclaimer: This calculator provides estimates based on published 2026 state transfer tax rates. Rates may vary by county, city, or municipality — always verify with your local recorder's office or a licensed real estate attorney. County and local taxes shown are estimates only. Last updated: February 2026.

2026 State Transfer Tax Rates: Key Highlights

State State Rate Tax Type / Name Who Pays 2026 Notes
Alabama 0.10% Real Estate Transfer Tax Seller $0.50 per $500 of value
Alaska None — — No statewide transfer tax
Arizona None — — No statewide transfer tax
Arkansas 0.33% Real Property Transfer Tax Seller 3.3¢ per $100 of value
California 0.11% Documentary Transfer Tax Seller (typically) $1.10 per $1,000 state; cities may add extra
Colorado 0.01% Documentary Fee Negotiable $0.01 per $100 — very low
Connecticut 0.75–2.25% Real Estate Conveyance Tax Seller Graduated: 0.75% ≤$800k; 1.25% ≤$2.5M; 2.25% above
Delaware ~3.5% combined Realty Transfer Tax Split 50/50 2% state + ~1.5% county; one of the highest in US
Florida 0.70% Documentary Stamp Tax Seller $0.70 per $100; $0.35 for homestead properties
Georgia 0.10% Real Estate Transfer Tax Seller $1 first $1,000; $0.10 per $100 thereafter
Hawaii 0.10–1.25% Conveyance Tax Seller Graduated; 0.10% up to $600k, up to 1.25% above $10M
Idaho None — — No statewide transfer tax
Illinois 0.10% Real Estate Transfer Tax Seller $0.50 per $500; Chicago adds $3.75 per $500
Indiana None — — No statewide transfer tax
Iowa 0.16% Real Estate Transfer Tax Seller $1.60 per $1,000; first-time buyer exemptions may apply
Kansas None — — No statewide transfer tax
Kentucky 0.10% Real Estate Transfer Tax Seller $0.50 per $500 of value
Louisiana None — — No statewide transfer tax
Maine 0.22% Real Estate Transfer Tax Split 50/50 $2.20 per $1,000; buyer and seller each pay half
Maryland 0.50% + county State Transfer Tax Split 0.5% state; county adds 0.5–1.5%; first-time buyer exemptions
Massachusetts 0.456% Deed Excise Tax Seller $4.56 per $1,000 of sale price
Michigan 0.75% + county Real Estate Transfer Tax Seller $7.50 per $1,000 state + $1.10 per $1,000 county
Minnesota 0.33% Deed Tax Buyer $3.30 per $1,000 of value
Mississippi None — — No statewide transfer tax
Missouri None — — No statewide transfer tax
Montana None — — No statewide transfer tax
Nebraska 0.225% Documentary Stamp Tax Seller $2.25 per $1,000 of value
Nevada 0.13% Real Property Transfer Tax Seller $1.30 per $1,000 state; counties add $0.10–$0.65 per $500
New Hampshire 0.75% each Real Estate Transfer Tax Buyer AND Seller $0.75 per $100 paid separately by both parties
New Jersey 1.0–1.5% Realty Transfer Fee Seller 1% ≤$350k; 1.5% ≤$1M; buyer pays mansion surtax above $1M
New Mexico None — — No statewide transfer tax
New York 0.40% + Mansion Tax Real Estate Transfer Tax Seller (buyer pays Mansion Tax) $2 per $500 basic; +1%–3.9% Mansion Tax on $1M+ properties
North Carolina 0.20% Excise Tax on Deed Seller $2 per $1,000 of value
North Dakota None — — No statewide transfer tax
Ohio 0.10% + county Real Property Conveyance Fee Seller $1 per $1,000 state; county adds $0.30–$3 per $1,000
Oklahoma 0.075% Documentary Stamp Tax Seller $0.75 per $1,000 of sale price
Oregon 0.10% Real Estate Transfer Tax Seller $1 per $1,000; Portland adds 1.1% local tax
Pennsylvania ~2.0% combined Realty Transfer Tax Split 50/50 1% state + 1% local; Philadelphia ~3.28% total
Rhode Island 0.46% Real Estate Conveyance Tax Seller $4.60 per $1,000 of value
South Carolina 0.37% Deed Recording Fee Seller $3.70 per $1,000 of value
South Dakota None — — No statewide transfer tax
Tennessee 0.037% Documentary Stamp Tax Seller $0.37 per $100; Nashville area has local additions
Texas None — — No statewide transfer tax
Utah None — — No statewide transfer tax
Vermont 1.25–1.45% Property Transfer Tax Buyer 1.25% ≤$100k; 1.45% above; Land Gains Tax may also apply
Virginia 0.25% Recordation / Grantor Tax Seller (typically) $2.50 per $1,000 grantor tax; additional recordation fees apply
Washington 1.1–3.0% Real Estate Excise Tax (REET) Seller Graduated: 1.1% ≤$525k; 1.28% ≤$1.525M; 2.75% ≤$3.025M; 3% above
West Virginia 0.22% Real Estate Transfer Tax Split 50/50 $2.20 per $1,000; buyer and seller each pay half
Wisconsin 0.30% Real Estate Transfer Fee Seller $3.00 per $1,000 of value
Wyoming None — — No statewide transfer tax
Washington, D.C. 1.1–2.2% Deed Recordation / Transfer Tax Split 1.1% ≤$400k; 1.45% ≤$2M; 2.2% above; typically split buyer/seller

US Stamp Duty Calculator 2026: Real Estate Transfer Tax by State

In the United States, there is no single federal "stamp duty" on property transfers. Instead, real estate transfer taxes — also called documentary stamp taxes, deed transfer taxes, or conveyance taxes — are levied at the state, county, and sometimes city level. Our US Stamp Duty Calculator 2026 gives you instant estimates for all 50 states and Washington D.C., using the latest 2026 rates.

Whether you're buying your first home in Florida, investing in New York, or purchasing commercial property in Pennsylvania, use this real estate transfer tax calculator to budget accurately before closing day.

What is Real Estate Transfer Tax (US Stamp Duty)?

Real estate transfer tax is a one-time tax charged when a property changes ownership. It is based on the sale price (or assessed value) of the property. Depending on your state, this tax may be called:

  • Documentary Stamp Tax (Florida, Colorado)
  • Deed Transfer Tax (Pennsylvania, New Jersey)
  • Conveyance Tax (Hawaii)
  • Realty Transfer Fee (New Jersey)
  • Real Estate Excise Tax (REET) (Washington State)

Transfer taxes are typically due at closing, recorded with the county deed, and are sometimes split between buyer and seller depending on state law and negotiation.

How is Real Estate Transfer Tax Calculated in the US?

Transfer tax is typically calculated as follows:

  • Flat rate states: Sale Price × Rate% = Tax Due. Example: A $500,000 home in North Carolina: $500,000 × 0.20% = $1,000
  • Per-unit states: Some states charge per $500 or per $1,000 of value. Example: Florida charges $0.70 per $100 = 0.70%
  • Graduated states: Different portions of the price are taxed at different rates. Our calculator handles all graduated structures automatically.

Common US Transfer Tax Calculations for 2026

Transfer Tax on a $500,000 Home by Major State

  • California: ~$550 state + ~$550 county = ~$1,100 total
  • New York: ~$2,000 state transfer tax (no Mansion Tax below $1M)
  • Florida: ~$3,500 documentary stamp tax
  • Pennsylvania: ~$10,000 combined (1% state + 1% local)
  • Texas: $0 (no transfer tax)
  • Washington State: ~$5,500 (graduated REET)

New York Mansion Tax 2026

New York's Mansion Tax is an additional transfer tax on high-value residential property purchases. The rate is applied to the entire purchase price (not just the amount above the threshold) once the threshold is crossed:

  • $1M–$1.99M: 1.00% of total price
  • $2M–$2.99M: 1.25%
  • $3M–$4.99M: 1.50%
  • $5M–$9.99M: 2.25%
  • $10M–$14.99M: 3.25%
  • $15M–$19.99M: 3.50%
  • $20M–$24.99M: 3.90%
  • $25M+: 3.90%

Who Pays the Transfer Tax — Buyer or Seller?

This varies by state and is often negotiable:

  • Seller pays: California, New York (typically), Georgia
  • Buyer pays: Florida (buyer's portion), New Jersey (buyer pays mansion surtax over $1M)
  • Split equally: Pennsylvania (50/50), New Hampshire (50/50)
  • Negotiable: Most states allow buyer and seller to negotiate who pays

Transfer Tax Exemptions and Exclusions

Many states offer exemptions or reduced rates for:

  • First-time homebuyers (Maryland, Iowa, some counties in other states)
  • Low/moderate income buyers (some city programs)
  • Family transfers (parent to child, spouses) — often exempt
  • Estate transfers and gifts
  • Foreclosures and short sales (vary by state)
  • Non-profit organizations

Always check with your state's revenue department or a real estate attorney about available exemptions.

US Stamp Duty FAQs

In the US, there is no official "stamp duty." The equivalent tax is called a real estate transfer tax, documentary stamp tax, deed transfer tax, conveyance tax, or realty transfer fee, depending on the state. Our calculator covers all variations under the common umbrella term "stamp duty."
Delaware typically has the highest combined transfer tax rate at approximately 3.5% when state and county taxes are combined. Washington D.C. can reach 2.2% on high-value properties, and Washington State can exceed 3.0% for properties above $3 million under its graduated REET structure.
No. Real estate transfer tax is a one-time tax paid at closing based on the sale price. Property tax (ad valorem tax) is an ongoing annual tax based on the assessed value of the property. Both are different from capital gains tax, which is a federal/state income tax on profit from selling property.
It depends on the state and what is negotiated in the purchase contract. In some states, the seller traditionally pays (California, Georgia). In others, both buyer and seller split it (Pennsylvania, New Hampshire). In practice, who pays is often negotiated as part of the sale. Our calculator shows the total tax — your attorney or title company will clarify your specific obligation.
Transfer taxes paid when selling a home can generally be deducted as a closing cost, reducing the taxable gain on the sale. Transfer taxes paid as a buyer are typically added to the cost basis of the property. They are generally not deductible as an itemized deduction in the year of purchase. Consult a tax professional for your specific situation.
This calculator uses the best available 2026 state-level transfer tax rates and is updated regularly. However, county and city taxes vary significantly within states and are shown as estimates where applicable. Always verify the exact amount with your title company, county recorder's office, or a qualified real estate attorney before closing.

Related Calculators

After calculating your transfer tax, explore these related tools: UK Stamp Duty Calculator | Mortgage Calculator | Sales Tax Calculator | Loan Calculator

Note: Transfer tax rates shown are for informational purposes only and reflect the best available 2026 rates. Rates and regulations change frequently. Always consult your county recorder's office, title company, or a licensed real estate attorney for your specific transaction. FairCalculator is not a licensed tax advisor.