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Michigan transfer tax rules (2026)
Paid by the seller.
| Tax | Rate | Usually paid by |
|---|---|---|
| State transfer tax ($3.75 per $500) | 0.75% | Seller |
| County transfer tax ($0.55 per $500) | 0.11% | Seller |
Michigan transfer tax by home price
| Home price | Buyer | Seller | By contract | Total taxes |
|---|---|---|---|---|
| $125,000 | $0 | $1,075 | — | $1,075 (0.86%) |
| $200,000 | $0 | $1,720 | — | $1,720 (0.86%) |
| $250,000 | $0 | $2,150 | — | $2,150 (0.86%) |
| $375,000 | $0 | $3,225 | — | $3,225 (0.86%) |
| $500,000 | $0 | $4,300 | — | $4,300 (0.86%) |
| $1,000,000 | $0 | $8,600 | — | $8,600 (0.86%) |
| $1,500,000 | $0 | $12,900 | — | $12,900 (0.86%) |
10% down, principal residence. Taxes split by law are shown half to each side. Exemptions (first-time buyer, senior, affordable housing) aren't applied.
Michigan vs other states
On a $400,000 home Michigan's taxes are $3,440 (0.86%), the 9th highest of 51. States nearby in the ranking:
- Connecticut$4,000
- Vermont$3,940
- New Jersey$3,215
- Rhode Island$3,000
All states: real estate transfer tax by state. Monthly payment: Michigan mortgage calculator · how much house you can afford in Michigan.
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.
- Michigan rules checked 2026-10-23: MCL 207.525; Alger County — Michigan real estate transfer tax.
Frequently asked questions
How much is the transfer tax in Michigan?+
On a $255,000 home (about the Michigan median) the taxes come to $2,193, or 0.86% of the price: State transfer tax ($3.75 per $500) $1,913 (seller), County transfer tax ($0.55 per $500) $281 (seller).
Who pays the transfer tax in Michigan, the buyer or the seller?+
State transfer tax ($3.75 per $500): seller; County transfer tax ($0.55 per $500): seller. Who pays can be negotiated in the purchase contract.
What are closing costs in Michigan?+
Expect transfer and recording taxes ($2,193 on a $255,000 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 Michigan compare with other states?+
On a $400,000 home, Michigan's $3,440 in taxes ranks 9th 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.