- The state’s rules, as above
Maryland seller net sheet calculator
Maryland stacks a 0.5% state transfer tax with county recordation and transfer taxes, and the law presumes buyer and seller split them equally. When the buyer is a first-time Maryland homebuyer, the seller pays them
Compare prices
Same costs, different prices. Useful for weighing offers or picking
A Maryland sale, worked out
The calculator opens on $435,000, about the median value of an owner-occupied home in Maryland ($436,300, 2024 Census estimate), with a $220,000 mortgage payoff as an example. Commissions are whatever the seller agrees, so they’re
Before commissions and the payoff, the seller’s costs come to about $5,164, or 1.19% of the price, for a closing on December 5, 2026. Maryland’s transfer tax on a $400,000 sale is the 4th highest of the 35 states and DC
| Settlement or escrow feeest. | −$600 |
|---|---|
| Recording and release feesest. | −$100 |
| State and county transfer tax (half) | −$3,263 |
| Recordation tax (half) | −$1,523 |
| Property tax credit (prorated)est. | +$322 |
| Total | −$5,164 |
A “+” is a credit to the seller: taxes the seller already paid for
The state and county transfer tax and title at other prices
State and county transfer tax is 0.5% of the price, plus a typical 1% county transfer tax, usually paid by the buyer and seller together. The owner’s policy below is an estimate; your title company’s quote will differ. The buyer usually pays for it here, so it isn’t in the
| Sale price | Whole state and county transfer tax | Seller usually pays | Owner’s title policy |
|---|---|---|---|
| $250,000 | $3,750 | $1,875 | $875est. |
| $500,000 | $7,500 | $3,750 | $1,750est. |
| $750,000 | $11,250 | $5,625 | $2,625est. |
| $1,000,000 | $15,000 | $7,500 | $3,500est. |
| $2,000,000 | $30,000 | $15,000 | $7,000est. |
Counties or cities in Maryland can add a tax of their own. Add it under Other costs
Selling in Maryland: what to know
State and county transfer tax
Maryland’s state transfer tax is 0.5% of the price, and every county adds a recordation tax, charged per $500, and most add a county transfer tax. By law these are shared equally unless the contract says otherwise. In a sale to a first-time Maryland homebuyer who will live in the home, the state rate drops to 0.25% and the seller pays it all, along with all recordation and local transfer tax unless the
Title insurance
The owner’s policy is optional in Maryland, and the buyer customarily chooses and
Who runs the closing
Maryland doesn’t require an attorney. Licensed title insurance producers and settlement companies
Property taxes
Maryland’s tax year runs July 1 to June 30. The bill is due July 1 and can be paid without interest through September 30; owner-occupied homes can pay in two halves, the second due around December 31. Taxes are paid in advance, so the buyer typically reimburses the seller for
Local differences
Fiscal 2026 county rates (recordation per $500, then county transfer tax): Baltimore City $5.00 and 1.5%; Baltimore County $2.50 and 1.5%; Prince George’s $2.75 and 1.4%; Howard $2.50 and 1.25%; Anne Arundel $3.50 and 1%, plus 0.5% on sales of $1 million or more; Frederick $7.00 and none; Charles $7.00 and 0.5%. Montgomery charges $4.45 per $500 with higher rates above $500,000, exempts the first $100,000 for a principal residence, and adds its own transfer tax; a $675,000 principal residence pays $6,440 in recordation tax, $3,220 per side. Counties can change rates each July 1. Pick the county in the calculator and it uses that county’s rates; with no county picked, it assumes a typical 1%
Maryland by county
Most of Maryland follows the rules above. These counties add a tax of their own, set a different rate or change who pays, and the calculator applies them when you pick one. Amounts are what the seller usually pays in transfer and deed taxes on $435,000, plus the owner’s title policy where the seller
- County’s 0.5% transfer tax
- County’s 1% transfer tax
- 0.5% surcharge from $1 million
- County’s 1.5% transfer tax
- Recordation tax 0.5%, split
- City’s 1.5% transfer tax
- Recordation tax 1%, split
- No county transfer tax
- Recordation tax 1%, split
- County’s 0.5% transfer tax
- Recordation tax 1%, split
- No county transfer tax
- Recordation tax 1.3%, split
- County’s 0.5% transfer tax
- Recordation tax 0.82%, split
- County’s 0.5% transfer tax
- Recordation tax 1.4%, split
- County’s 0.75% transfer tax
- Recordation tax 1%, split
- No county transfer tax
- Recordation tax 1.4%, split
- County’s 1% transfer tax
- County’s 1% transfer tax
- Recordation tax 0.66%, split
- County’s 1.25% transfer tax
- Recordation tax 0.5%, split
- County’s 0.5% transfer tax
- Recordation tax 0.66%, split
- County’s 1% transfer tax
- Recordation tax 0.89% to 2.27%, split
- County’s 1.4% transfer tax
- Recordation tax 0.55%, split
- County’s 0.5% transfer tax
- Recordation tax 0.99%, split
- No county transfer tax
- Recordation tax 0.66%, split
- County’s 1% transfer tax
- Recordation tax 0.8%, split
- County’s 1% transfer tax
- Recordation tax 1.2%, split
- County’s 0.5% transfer tax
- Recordation tax 0.76%, split
- No county transfer tax
- County’s 0.5% transfer tax
- Recordation tax 0.66%, split
Coming changes
- MarylandBeing checked
Maryland counties set their recordation and transfer tax rates for each fiscal year from July 1. The rates here are the fiscal 2026 rates; fiscal 2027 rates are being checked.
Selling in Maryland: questions
Who pays transfer tax in Maryland?
By law Maryland’s state transfer tax, county recordation tax and county transfer tax are split equally between buyer and seller unless the contract says otherwise. In a sale to a first-time Maryland homebuyer the seller pays all of them by default, at a reduced
What is the recordation tax in Maryland?
It is a county tax on recording the deed, charged per $500 of the price. Rates range from $2.50 per $500 in Baltimore and Howard counties to $7.00 in
How are property taxes prorated when selling in Maryland?
Maryland taxes are paid in advance for the July-to-June year, so a seller who has paid usually gets reimbursed by the buyer for the
How much are seller closing costs in Maryland?
Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a Maryland seller’s costs on a $435,000 sale come to about $5,164 with the calculator’s estimates and a December 5, 2026 closing: settlement or escrow fee $600, recording and release fees $100, state and county transfer tax (half) $3,263, recordation tax (half) $1,523, property tax credit (prorated) (a $322 credit). Put in your own numbers above for
Is anything I type saved?
No. The calculator runs in your browser and sends nothing to us. A copied link carries the numbers in the address itself, so only people you share it with
Sources
Maryland’s rules were checked against these on
Spot something out of date? Report a correction and we’ll check it
Was this calculator helpful?
Thanks, that helps us
Further reading
All posts
Buyer closing costs by state (2026): what you'll pay and why
What buyers pay at closing in every state: lender and loan fees, title, buyer-only taxes like Florida's note stamps and New York's mortgage
What is a seller net sheet, and how to read one (2026)
Every line on a seller net sheet explained: commissions, payoffs, title, transfer taxes and prorations, with a worked example and every
Transfer taxes in 2026: what every state charges to sell a home
Every state's transfer tax, checked: 36 places charge one, 15 don't, and on a $400,000 sale it runs from $40 to $16,000. Who pays
Save estimates with your clients.
Workspace opens soon, with net sheets free on every plan. Get on the early-access list and we’ll set
Workspace is free to start. Save net sheets to your clients, send them as a link, and compare prices
Workspace is free to start. Save net sheets to your clients, send them as a link, and compare prices