North Carolina closing cost calculator

Our North Carolina starting figure is $332,159, the September 2026 reading in the Zillow Home Value Index We rounded that number to $332,000. The down payment of $66,400 works out to 20%, so the loan comes to $265,600.

On this home, buyer closing costs come to $6,889. Cash to close is everything paid on closing day: your down payment plus those costs. That comes to $73,289 here.

Home prices vary quite a lot depending on where in the state you are, so the total shifts with the home. The range depends on the home. With 20% down, buyer closing costs are about $4,840 for a typical home at the lower-priced end ($191,477) and about $11,880 for a typical home at the higher-priced end ($578,443). Type in the price you have in mind and see the numbers it produces.

With 20% down, closing on a $400,000 home costs a North Carolina buyer $7,880. That figure sits $30 above the median across the 50 states and DC. Plan for property taxes as well: the median bill each year for an owner-occupied North Carolina home comes to $1,896.

Each line moves with the price and down payment you enter, so the calculator shows what closing your own home costs.

North Carolina charges its state excise tax of 0.2% on the sale price when a home changes hands. The tax totals $664 for a $332,000 home and $800 for a $400,000 home.

The deed's recording is when payment occurs; the Register of Deeds then notes that the tax has been paid. None of the sources we checked name a party the law requires to pay this tax, so our calculator shows it on the seller's side; you can discuss it with the other party.

North Carolina's state excise tax serves as its transfer tax and equals $800 for a $400,000 sale. This makes the state 25th among the 36 states, including DC, that charge one. Every county applies that same 0.2% tax.

Seven counties layer on an extra 1% land transfer tax of their own: Perquimans, Camden, Chowan, Currituck, Dare, Pasquotank and Washington. Perquimans County counts any lien or other debt left on the property when it sells toward the taxed value. No tax is due on foreclosure deeds, nor on deeds handed to the mortgage holder in place of a foreclosure.

Gifts and other transfers with no consideration paid or owed are exempt as well. The money or value given in exchange for the property is called consideration. Recording the deed there requires either a signed Affidavit of Consideration or Value, or the sales contract.

Before commission, seller costs in the $332,000 example total $664, all of it excise tax. At a $400,000 sale, the number is $800, $360 higher than the median state's $440. Neither amount covers the agent's commission or repayment of the seller's mortgage.

Commission often takes up a large share of a seller's costs. Redfin puts the national average buyer's agent commission at 2.42% of the sale price. Commission appears in the calculator only after you put in a rate for it.

Title insurance protects you against issues that affect property ownership. The NC Department of Insurance receives rates from insurers, while who pays for the policy rests on local custom, not law. Buyer and seller can negotiate it, and who usually pays depends on the county.

You don't have to purchase an owner's policy, although lenders generally require you to have a lender's policy. Attorneys licensed in North Carolina manage property closings and keep funds in trust accounts until the purchase finishes.

Decide who pays the tax plus the premium for the title policy after you run both sides of the calculator and compare each option's cost.

It only takes a minute to find your figure.

1. Enter the sale price, since most other lines and the state tax depend on it. 2. Type in your down payment. That sets the loan amount and the lender charges that go with it. 3. If you're selling, put in a commission rate so it appears in your total. 4. Check the buyer lines and the seller lines. If the property sits in one of the seven counties that add an extra 1% land transfer tax, see whether your estimate already includes that charge.

Comparing North Carolina with the states around it also helps. The same $332,000 home, state by state:

• North Carolina: buyer closing costs of $6,889 and a transfer tax of $664.
• South Carolina: buyer closing costs of $6,839 and a transfer tax of $1,228.
• Georgia: buyer closing costs of $7,620 and a transfer tax of $332.
• Virginia: buyer closing costs of $8,322 and a transfer tax of $830.
• Tennessee: buyer closing costs of $8,356 and a transfer tax of $1,228.

Add your price now for a full line-by-line look at your North Carolina closing.