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.

The calculation logic is intentionally minimal because there is no statutory tax base to apply a rate against. The engine checks Indiana's hasTransferTax flag, finds it set to false, and returns a fixed $0.00 result regardless of the sale price entered into the calculator. There are no brackets, no marginal thresholds, and no local add-on rates layered on top, because none exist in Indiana law.

This calculator still produces the full standard output set (transfer tax due, effective rate, net proceeds, mansion tax) for consistency across every state in this platform, which matters when Indiana is being compared side by side against a neighboring state that does levy a transfer tax. For Indiana, effective rate will always compute to 0.000%, mansion tax will always be $0.00, and net proceeds after transfer tax will always equal the full input sale price, because there is no deduction to apply at any bracket or price point.

Baseline: $380,000 sale price. With no state transfer tax on the books: $380,000 x 0% = $0.00. The full $380,000 sale price passes through as net proceeds, and hasTransferTax returns false.

Higher-value sale: $1,500,000. The result is unchanged by scale: $1,500,000 x 0% = $0.00. Even at a price point nearly four times higher than the baseline, Indiana's tax due remains zero because there is no rate schedule to apply.

Additional check: $750,000 sale. As with the other two price points, the tax due computes to $0.00, confirming Indiana's lack of a transfer tax holds consistently across the full range of transaction sizes, not just at low or moderate price points.

• 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.

• National Association of Realtors, State & Local Issues: Real Estate Transfer Tax summary
• See engine/tables/2026/state-real-estate-transfer-tax.json for the verified "no tax" determination and citation used in this calculator