Eight calculators built on Tennessee’s actual rules — 2025 Comptroller rates for all 95 counties, filed title premiums, and the two recording taxes. Free, no signup.
Owner’s and lender’s premiums on Tennessee’s filed rates, by county and policy amount.
Open calculator →Title premium plus both recording taxes — the full buyer-side estimate on a Tennessee purchase.
Open calculator →All 95 counties and their cities, on the 2025 Comptroller rates. Residential assessed at 25% of value.
Open calculator →What a Tennessee seller walks away with after commission, payoff, title, and the tax credit.
Open calculator →Tennessee bills in arrears, so the seller usually credits the buyer. Split it by closing date.
Open calculator →A qualifying prior policy cuts the owner’s premium to 70% of the basic rate.
Open calculator →$0.37 per $100 on the deed — and in Tennessee the buyer pays it, not the seller.
Open calculator →11.5¢ per $100 of indebtedness, with the first $2,000 exempt. Purchases and refinances.
Open calculator →“Atlantic Title made our first home purchase so smooth. They explained every document clearly and closed on time. Couldn’t recommend them more highly.”
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Three things about Tennessee catch people out, and every calculator here is built around them.
First, the buyer pays the transfer tax. Tennessee’s realty transfer tax of $0.37 per $100 is the grantee’s obligation, so it lands on the buyer’s side of the settlement statement. In a good number of states the deed tax falls on the seller, which means sellers arriving from elsewhere often budget for a cost they will never be charged, and buyers get surprised by one they did not expect.
Second, property tax is assessed on a fraction of value. Under Article II, Section 28 of the state constitution, residential and farm property is assessed at 25% of appraised value and commercial and industrial at 40%. Rates are quoted per $100 of that assessed figure, so a Tennessee rate that looks high beside another state’s is usually nothing of the sort.
Third, title insurance rates are filed, not promulgated. Tennessee does not set one statewide premium the way some states do. Each underwriter files its own schedule, so the same file can price differently depending on who issues the policy. The premiums used here follow Stewart’s filed Tennessee schedule effective January 8, 2024.
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Tennessee bills property tax in arrears for the current calendar year. Bills are payable October 1 through the end of February and go delinquent March 1. At a mid-year closing the bill covering the seller’s months of ownership has not been issued yet, so the seller credits the buyer and the buyer pays the full bill when it lands in the fall.
That credit grows the later in the year you close, and it is a real line on the seller’s sheet. Both the proration calculator and the seller net sheet account for it.
Since a law effective July 1, 2025, the buyer or borrower has the exclusive right to choose the settlement agent in Tennessee, subject only to lender approval — and that right cannot be waived by agreement. A seller cannot require a buyer to use a particular closing company. If you are buying here, the choice of title company is yours.
We are licensed in Tennessee and close files across the state, including remotely. If you are closing from out of state, the mail-away and RON guide explains how that works, and the Tennessee title company page covers what we handle.
Closing in Tennessee? We are a licensed Tennessee title agency — see how we handle Tennessee title insurance and closings, or read how a Tennessee mail-away or RON closing works if you are signing from another state.
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