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North Carolina transfer tax rules (2026)
Paid by the seller (transferor).
| Tax | Rate | Usually paid by |
|---|---|---|
| Excise tax on conveyances ($1 per $500) | 0.2% | Seller |
North Carolina transfer tax by home price
| Home price | Buyer | Seller | By contract | Total taxes |
|---|---|---|---|---|
| $175,000 | $0 | $350 | — | $350 (0.2%) |
| $200,000 | $0 | $400 | — | $400 (0.2%) |
| $325,000 | $0 | $650 | — | $650 (0.2%) |
| $500,000 | $0 | $1,000 | — | $1,000 (0.2%) |
| $675,000 | $0 | $1,350 | — | $1,350 (0.2%) |
| $1,000,000 | $0 | $2,000 | — | $2,000 (0.2%) |
| $1,500,000 | $0 | $3,000 | — | $3,000 (0.2%) |
10% down, principal residence. Taxes split by law are shown half to each side. Exemptions (first-time buyer, senior, affordable housing) aren't applied.
North Carolina vs other states
On a $400,000 home North Carolina's taxes are $800 (0.2%), the 27th highest of 51. States nearby in the ranking:
All states: real estate transfer tax by state. Monthly payment: North Carolina mortgage calculator · how much house you can afford in North Carolina.
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
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- South Carolina
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- Washington
- West Virginia
- Wisconsin
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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.
- North Carolina rules checked 2026-10-23: NC G.S. Chapter 105, Article 8E.
Frequently asked questions
How much is the transfer tax in North Carolina?+
On a $335,000 home (about the North Carolina median) the taxes come to $670, or 0.2% of the price: Excise tax on conveyances ($1 per $500) $670 (seller).
Who pays the transfer tax in North Carolina, the buyer or the seller?+
Excise tax on conveyances ($1 per $500): seller. Who pays can be negotiated in the purchase contract.
What are closing costs in North Carolina?+
Expect transfer and recording taxes ($670 on a $335,000 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 North Carolina compare with other states?+
On a $400,000 home, North Carolina's $800 in taxes ranks 27th 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.