Updated October 2026. Fees checked in the official 2025 Indiana Code (Titles 6, 27, 32 and 36) and on Indiana DLGF pages on October 31, 2026.
No. Indiana has no state or county real estate transfer tax, deed tax or stamp tax. The Indiana Code charges filing fees instead. As of October 2026, the Sales Disclosure Form costs $20 (IC 6-1.1-5.5-4) and recording a deed costs $25 (IC 36-2-7-10). On a $300,000 sale, the state’s transfer charges come to about $45, not a percentage.
Jump to: 🧾 The fees that exist · 📄 The $20 sales disclosure fee · 🏛️ Recording the deed · 💲 Your real closing costs · ❓ FAQ
Key takeaways
- Indiana’s transfer costs are flat fees, so they don’t grow with your price.
- The $20 Sales Disclosure Form fee was raised from $10 on July 1, 2021.
- Indiana’s per-document recording fee is $25 for a deed and $55 for a mortgage.
- Your biggest costs are elsewhere: mortgage payoff, prorated taxes, title charges and any commission you agree to.
What does Indiana charge when a house changes hands?
Here’s every state-set charge tied to the transfer itself, with the law behind it. None of them is a percentage of the price.
| Charge | Amount (October 2026) | Law | Usually tied to |
|---|---|---|---|
| Sales Disclosure Form filing fee | $20 | IC 6-1.1-5.5-4 | Both parties sign; the contract sets who pays |
| Recording the deed | $25 | IC 36-2-7-10(c)(1) | The deed transfer |
| Recording a mortgage | $55 | IC 36-2-7-10(c)(2) | The buyer’s loan |
| Title Insurance Enforcement Fund fee | $5 per title policy | IC 27-7-3.6-7 | Whoever buys the policy |
| HOA statement of unpaid assessments | Up to $250 | IC 32-21-5-8.5(f) | HOA homes only |
One county can add a little. In a county with a consolidated city, which means Marion County, the county can adopt an ordinance letting the recorder charge $10 per document for a housing trust fund (IC 36-2-7-10.7). Ask your closing agent for the local figure.
What is Indiana’s sales disclosure fee?
It’s the closest thing Indiana has to a transfer tax, and it’s $20. Under IC 6-1.1-5.5-4, a person filing a Sales Disclosure Form pays $20 to the county auditor. Half goes to the county’s sales disclosure fund and half to the state’s assessment training fund.
The DLGF’s May 2021 memo confirms the jump from $10 to $20 for forms filed on or after July 1, 2021. Some older instructions online still say $10, including the DLGF’s own 2021 form instructions. The statute controls.
Some filings owe no fee: a conveyance to a charity, and certain compulsory transfers such as foreclosures, divorce orders and court orders, plus partitions between co-owners. The form itself is still required.
Don’t confuse this form with the seller’s disclosure about condition, State Form 46234. The Sales Disclosure Form, State Form 46021, reports price and terms so the assessor can value property fairly. The DLGF keeps a public search of sales disclosures filed since July 1, 2008, which is handy for pricing.
How much does it cost to record a deed in Indiana?
$25 for any deed or other instrument except a mortgage, under IC 36-2-7-10. Pages larger than legal size cost more. Before the recorder will take it, the deed needs a few things, which county recorders such as Noble County list:
- The auditor’s endorsement, such as “duly entered for taxation” (IC 36-2-11-14).
- A filed Sales Disclosure Form, since the auditor won’t accept the conveyance without one.
- The name of the person who prepared the deed, and a signed statement that Social Security numbers were redacted (IC 36-2-11-15).
- The buyer’s physical address (IC 32-21-2-3).
Your closing agent normally handles all of that. If you’re working without one, plan an extra trip to the auditor before the recorder.
What do Indiana sellers actually pay at closing?
With no percentage tax, other lines decide your net. A typical Indiana seller’s statement includes:
- Your mortgage payoff, including interest to the payoff date.
- Prorated property taxes, settled between you and the buyer.
- Title and closing charges your contract assigns to you, such as an owner’s policy or settlement fee.
- Your share of the $20 Sales Disclosure Form fee, if the contract splits it.
- Any repair credits, HOA fees, and any buyer’s agent pay you agree to.
Here’s a worked example on a $300,000 home with no mortgage to pay off. Treat it as a sketch, not a quote:
| Line | Example amount |
|---|---|
| State or county transfer tax | $0 (Indiana has none) |
| Sales Disclosure Form fee | $20 |
| Deed recording | $25 |
| Beycome Basic MLS listing | $99 upfront, $0 at closing |
| 3% listing commission (example only) | $9,000 if you chose a traditional listing |
That last line is there for scale. Commissions aren’t set by law and are negotiable, and you choose whether to offer anything to a buyer’s agent. For a fuller list, see how much closing costs are and who pays which closing costs.
Who pays Indiana’s transfer fees, buyer or seller?
The statutes say who files and what it costs, not who must pay. The Sales Disclosure Form is signed by both sides (IC 6-1.1-5.5-3), and the mortgage recording fee obviously follows the buyer’s loan. Everything else is a term in your purchase agreement.
Read the closing-cost section before you sign, and ask for an estimated settlement statement early. If you’re selling by owner, our guide to drafting an Indiana purchase agreement shows where those terms go.
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Buy a home →How can an Indiana seller keep more at closing?
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For the full by-owner path, read our guide to selling an Indiana home without a realtor, or price your home with our free home value calculator.
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Indiana transfer tax FAQ
Does Indiana have a real estate transfer tax?
No. Indiana has no state or county transfer tax on home sales. The charges are flat filing and recording fees.
How much is the Indiana sales disclosure fee?
$20, paid to the county auditor under IC 6-1.1-5.5-4. It rose from $10 on July 1, 2021.
How much does it cost to record a deed in Indiana?
$25 for a deed under IC 36-2-7-10. A mortgage costs $55 to record.
Who pays closing costs in Indiana?
Your purchase agreement decides. The law sets the fees, not which side pays them, except that loan costs follow the buyer’s loan.
Is there a deed tax in Indianapolis?
No percentage tax. Marion County may add a $10 per-document recording fee for its housing trust fund if adopted by ordinance.
What is State Form 46021?
The Indiana Sales Disclosure Form. It reports the sale price and terms to the county assessor and must be filed before the deed is accepted.
Reviewed by Beycome Brokerage Realty LLC, licensed real estate brokerage (IN #RC52400096). Licenses: beycome.com/faq/how-to/are-you-a-licensed-broker/.
Prices were read on beycome.com on October 31, 2026 and may change. In Indiana, Basic is $99 and Enhanced is $399. Concierge is $1,399 (its list price). “$0 at closing” means no Beycome fee at closing. Taxes, recording and title charges, other closing costs and any buyer’s agent pay you agree to still apply.
Fee amounts are those in the 2025 Indiana Code as read on October 31, 2026. Counties may add charges where the law allows; your closing agent’s figures control.
Commission figures are examples only. Real estate commissions are not set by law or by NAR rules and are fully negotiable. Sellers choose whether to offer any compensation to a buyer’s agent, and how much; since August 17, 2024, those offers can’t be shown on the MLS.
This is general information, not legal or tax advice. Rules change and every sale has its own facts, so check with your closing agent or a Indiana real estate attorney for your situation.
Sources
- Indiana Code 6-1.1-5.5-3 and 6-1.1-5.5-4 (sales disclosure form and fee), in the official Indiana Code 2025, Title 6, read October 31, 2026.
- Indiana Code 36-2-7-10, 36-2-7-10.7, 36-2-11-14 and 36-2-11-15 (recording fees and requirements), in the official Indiana Code 2025, Title 36, read October 31, 2026.
- Indiana Code 27-7-3.6-7 (title insurance enforcement fund fee), in the official Indiana Code 2025, Title 27, read October 31, 2026.
- Indiana Code 32-21-2-3 and 32-21-5-8.5 (grantee address, HOA statement cap), in the official Indiana Code 2025, Title 32, read October 31, 2026.
- Indiana DLGF, Sales Disclosure Form Information, May 26, 2021 memo and form instructions, read October 31, 2026.
- Noble County Recorder, recording requirements, read October 31, 2026.
- Beycome, Flat Fee MLS Indiana (packages and prices), read October 31, 2026.
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