Indiana Real Estate Transfer Tax Calculator

Indiana levies no real estate transfer tax at the state or local level, a status it does not share with all of its neighbors. There is no deed tax, no conveyance tax, and no county recorder surcharge tied to the sale price anywhere in the state, so the calculated transfer tax for any Indiana sale is $0.00 regardless of whether the property is a starter home in Fort Wayne or a farm parcel in the southern counties.

Indiana's neighbors split on this question in a way that makes the state a useful comparison point: Illinois, Michigan, Kentucky, and Ohio all charge some form of real estate transfer or conveyance tax, while Indiana does not. Indiana counties do still charge flat recording fees to file a deed, and Indiana's sales disclosure form, required on most transfers for assessment purposes, is a compliance filing rather than a taxable event.

Indiana levies no real estate transfer tax, and no Indiana county or municipality is authorized to create one.

The engine reads Indiana's hasTransferTax: false flag and returns zero with no rate applied and no bracket walked. Effective rate is 0.000%, mansion tax is $0.00, and net proceeds equal the full sale price at every price. The full output set is still generated so that an Indiana figure lines up cleanly against Illinois, Michigan or Ohio, all three of which do tax the transfer.

Indiana has no rate to apply, so the sequence below is a lookup rather than a calculation.

Step 1 -- The consideration. Contract sale price = $380,000

Step 2 -- The rate-table lookup. Indiana's entry returns hasTransferTax: false. No rate is read.

Step 3 -- Transfer tax due. $0.00

Step 4 -- Net proceeds. $380,000.00 - $0.00 = $380,000.00

Step 5 -- The effective rate. $0.00 / $380,000 = 0.000%

Step 6 -- The luxury scenario, $1,500,000. Same lookup: $0.00 due, $1,500,000.00 net, 0.000% effective.

Indiana's neighbours make the contrast unusually sharp for anyone moving a short distance. The same $380,000 sale would carry $570 in Illinois under the statewide baseline and roughly $4,560 inside Chicago, $1,520 in Ohio at the common combined conveyance fee, and $3,268 in Michigan. In Indiana it carries nothing. What Indiana does require at closing is a Sales Disclosure Form filed with the county assessor, which carries a modest filing fee and feeds the assessment system; that fee is fixed rather than proportional to price, and it is not a transfer tax. Recording fees at the county recorder's office are likewise flat per-document charges outside the scope of Steps 1 to 6.

The price sweep, such as it is. There is no twelve-row schedule on this page: the Indiana configuration returns an empty one, and there would be nothing to put in it. The calculator returns $0.00 at the $380,000 default, $0.00 at $1,500,000, and $0.00 at $5,000,000, with net proceeds equal to the full sale price in every case and an effective rate of 0.000% throughout. calculateStateRealEstateTransferTax reads hasTransferTax: false for Indiana and exits before any rate is applied or any bracket walked.

Marginal cost of the next unit. Zero. Each additional $100,000 of Indiana sale price adds $0.00 of transfer tax, so there is no price at which structuring a sale to sit below a threshold has any Indiana benefit, because there is no threshold.

What that is worth, against the neighbours. The same $380,000 sale carries $570.00 in Illinois under the statewide baseline in this engine, and $608.00 in Iowa at $1.60 per $1,000. Those figures come from the same primitive with the same input. Indiana's zero is therefore worth $570 to $608 on a typical sale, which is real money on a closing statement and small against the price.

The mansion-tax output, and why it always reads zero here. The calculator reports a separate mansion tax line because the primitive supports one: New York and New Jersey carry a mansionCliff whose rate applies to the entire sale price once the price crosses a threshold, not just to the excess. Indiana has no such entry, so that field reads $0.00 at every price including $5,000,000. It is not a small Indiana mansion tax; it is the absence of one.

What the zero does not cover. County recorders charge flat per-document recording fees, and Indiana requires a Sales Disclosure Form on most transfers with its own filing fee. Neither is proportional to price, neither is a transfer tax, and neither is computed anywhere on this page. The $380,000.00 shown as net proceeds is therefore net of Indiana transfer tax only, not of closing costs.

• County recording fees: Indiana county recorders charge a flat per-document fee to record a deed, which is unrelated to a transfer tax but still appears on the closing statement.
• Title insurance and closing/escrow fees: These are contractual and insurance-industry costs, not government taxes, and can represent a meaningful share of total closing costs in Indiana.
• Sales disclosure form requirements: Indiana requires a Sales Disclosure Form to be filed with most conveyances for assessment purposes; this is an administrative filing obligation, not a tax, and is not modeled by this calculator.
• Property tax proration: Indiana's annual property tax is prorated between buyer and seller based on the closing date, a real cash adjustment at closing that is entirely separate from any transfer tax.
• The repealed mortgage recording tax: Indiana's prior mortgage recording/intangibles tax framework was eliminated in 2019; older references to this tax no longer apply and are not reflected in this calculator because they are no longer current law.

• Assuming a default national transfer tax rate applies. Generic closing-cost estimators that apply a placeholder percentage to every state will overstate Indiana closing costs, since no such tax exists here.
• Confusing the Sales Disclosure Form filing with a tax obligation. Filing the form is legally required for most transfers, but the form itself does not generate a transfer tax liability in Indiana.
• Mixing up recording fees with a transfer tax. Indiana's flat, per-page county recording fee is a real closing cost, but it is structurally and legally distinct from a percentage-of-sale-price transfer tax.
• Relying on outdated information about the mortgage recording tax. That tax was repealed in 2019; using pre-2019 references to estimate Indiana closing costs will introduce a phantom liability that no longer exists.
• Overlooking property tax proration as a real cash item. Because there is no transfer tax to plan for, buyers and sellers sometimes underestimate this separate, but genuinely significant, prorated closing cost.

Also consulted: National Association of Realtors, State & Local Issues: Real Estate Transfer Tax summary.