US Home Sales Tax

Taxes when buying a house in Texas

Texas does not tax a home purchase or the mortgage, for the buyer or the seller.

$
%

Loan amount: $320,000. Some states tax the mortgage, so the loan size changes the result there. Paying cash? Enter 100.

Estimated taxes when you buyTexas ยท Rates verified November 2026
Pay to the order ofState and county tax offices$0

Zero and 00/100 dollars

Texas does not tax the buyer on this purchase.

Taxes the buyer pays
Tax on the purchase$0
Total buyer taxes$0

Taxes only. Lender fees, title insurance, flat recording fees and prepaid property tax are separate closing costs.

What a Texas home buyer is taxed on

Buyer's taxes
None on the purchase or the mortgage.
Transfer tax
Nobody. Texas does not tax the transfer of a home.
Sales tax
None. A home is real estate, and sales tax does not apply to it.
Official source
Texas Constitution, Article VIII, section 29
Last verified

Texas buyer taxes at common prices

Purchase priceLoan with 20% downBuyer's taxes
$150,000$120,000$0
$250,000$200,000$0
$400,000$320,000$0
$600,000$480,000$0
$1,000,000$800,000$0

Questions Texas buyers ask

Do buyers pay transfer tax in Texas?

Nobody. Texas does not tax the transfer of a home.

Is there a mortgage tax in Texas?

No. Texas does not tax the recording of a mortgage. The county charges only a flat fee to record it.

Is there sales tax when you buy a house in Texas?

No. Sales tax applies to goods and some services, and a house is real estate, which no state taxes that way.

How much tax does a buyer pay at closing in Texas?

Usually none. On a $400,000 home a Texas buyer owes no state or local tax on the purchase itself. Closing costs still include lender fees, title insurance and prepaid property tax.

Selling in Texas? Use the Texas seller net proceeds calculator.

Buyer taxes in other states