Texas has no state or local real estate transfer tax — one of the few states with none at all.
Sellers: roughly 6%–10% of sale price (commission is the largest piece). Buyers: roughly 2%–5% of purchase price.
Who typically pays: Convention (not law) is that the seller pays for the owner's title policy and the buyer pays for the lender's policy — but this is negotiable.
Title insurance premiums are state-regulated in Texas; the Texas Department of Insurance ordered a 6.2% rate reduction effective March 1, 2026, so quotes should reflect the new lower promulgated rates.
Facts on this page reflect research current as of 2026-07-05. Programs, rates, and laws change — confirm current figures with the relevant state agency before relying on them.