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Georgia transfer tax rules (2026)
The seller is liable for the transfer tax, though contracts can shift it. The intangible tax applies to the mortgage and is capped at $25,000.
| Tax | Rate | Usually paid by |
|---|---|---|
| Real estate transfer tax ($1 per $1,000) | 0.1% | Seller |
| Intangible recording tax on the mortgage ($1.50 per $500)capped at $25,000 | 0.3% of the loan | Buyer |
Georgia also taxes the mortgage, so the down payment matters: on a $345,000 home the taxes are $1,277 with 10% down and $1,173 with 20% down.
Georgia transfer tax by home price
| Home price | Buyer | Seller | By contract | Total taxes |
|---|---|---|---|---|
| $175,000 | $473 | $175 | — | $648 (0.37%) |
| $200,000 | $540 | $200 | — | $740 (0.37%) |
| $350,000 | $945 | $350 | — | $1,295 (0.37%) |
| $525,000 | $1,418 | $525 | — | $1,943 (0.37%) |
| $700,000 | $1,890 | $700 | — | $2,590 (0.37%) |
| $1,000,000 | $2,700 | $1,000 | — | $3,700 (0.37%) |
| $1,500,000 | $4,050 | $1,500 | — | $5,550 (0.37%) |
10% down, principal residence. Taxes split by law are shown half to each side. Exemptions (first-time buyer, senior, affordable housing) aren't applied.
Georgia vs other states
On a $400,000 home Georgia's taxes are $1,480 (0.37%), the 19th highest of 51. States nearby in the ranking:
- Virginia$1,733
- New York$1,600
- South Carolina$1,480
- Nebraska$1,328
All states: real estate transfer tax by state. Monthly payment: Georgia mortgage calculator · how much house you can afford in Georgia.
Sources
Checked 2026-10-23. Rates change — we re-check every state on a schedule. Confirm with your title company or closing attorney.
Closing cost calculators for other states
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Assumptions
- Transfer and recording taxes use each state's published rates; exemptions (first-time buyer, senior, affordable housing) aren't applied unless noted.
- Who pays a tax can be changed by the purchase contract; "either" means local custom or the contract decides.
- Other closing costs (lender, title, appraisal, prepaid items) vary widely — use your Loan Estimate for real numbers.
- Georgia rules checked 2026-10-23: Georgia DOR — real estate transfer tax; Georgia DOR — intangible recording tax.
Frequently asked questions
How much is the transfer tax in Georgia?+
On a $345,000 home (about the Georgia median) the taxes come to $1,277, or 0.37% of the price: Real estate transfer tax ($1 per $1,000) $345 (seller), Intangible recording tax on the mortgage ($1.50 per $500) $932 (buyer).
Who pays the transfer tax in Georgia, the buyer or the seller?+
Real estate transfer tax ($1 per $1,000): seller; Intangible recording tax on the mortgage ($1.50 per $500): buyer. Who pays can be negotiated in the purchase contract.
What are closing costs in Georgia?+
Expect transfer and recording taxes ($1,277 on a $345,000 home) plus lender, title, appraisal and prepaid costs, which typically add about 2%–5% of the price nationally. Your lender's Loan Estimate shows the real numbers.
How does Georgia compare with other states?+
On a $400,000 home, Georgia's $1,480 in taxes ranks 19th highest of 50 states and DC. Delaware is highest at $16,000; 15 states charge no state transfer tax at all.
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Uses 2026 rules and limits. Last reviewed October 23, 2026. Calculator version 1.0.0. Sources: Freddie Mac (via industry summaries) — closing costs typically 2%–5% of the purchase price. Results are estimates for educational purposes, not financial, tax or lending advice. How we check our numbers. Embed this calculator on your site for free.