{"id":916,"date":"2026-08-18T00:50:46","date_gmt":"2026-08-18T04:50:46","guid":{"rendered":"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/"},"modified":"2026-08-18T01:49:04","modified_gmt":"2026-08-18T05:49:04","slug":"north-carolina-closing-costs-investment-property","status":"publish","type":"post","link":"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/","title":{"rendered":"North Carolina Closing Costs for Investors (2026)"},"content":{"rendered":"<p><strong>North Carolina closing costs for investment property<\/strong> run 2\u20134.5% of the purchase price for buyers. NC is an <strong>attorney-closing state<\/strong> ($600\u2013$1,200 required) and charges a 0.2% excise tax ($2 per $1,000). On a $350,000 Charlotte purchase, expect roughly $9,000\u2013$12,000 in buyer closing costs. Use the <a href=\"\/states\/north-carolina\/closing-costs-calculator\">NC closing costs calculator<\/a> to estimate every line item.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<p><span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav>\n<ul class='ez-toc-list ez-toc-list-level-1 ' >\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#What_Makes_NC_Closing_Costs_Different\" >What Makes NC Closing Costs Different<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#NC_Closing_Costs_Full_Breakdown\" >NC Closing Costs: Full Breakdown<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#Worked_Example_Charlotte_SFR_%E2%80%94_350000\" >Worked Example: Charlotte SFR \u2014 $350,000<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#Worked_Example_Greensboro_Duplex_%E2%80%94_180000\" >Worked Example: Greensboro Duplex \u2014 $180,000<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#NC_vs_Georgia_vs_Texas_vs_Florida_Closing_Costs\" >NC vs Georgia vs Texas vs Florida Closing Costs<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#Dare_County_The_Coastal_Exception\" >Dare County: The Coastal Exception<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#5_NC_Closing_Cost_Mistakes\" >5 NC Closing Cost Mistakes<\/a>\n<ul class='ez-toc-list-level-3' >\n<li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#1_Not_Budgeting_for_the_Attorney\" >1. Not Budgeting for the Attorney<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#2_Assuming_Seller_Pays_Title_Insurance\" >2. Assuming Seller Pays Title Insurance<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#3_Missing_Dare_Countys_1_Transfer_Tax\" >3. Missing Dare County&#8217;s 1% Transfer Tax<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#4_Skipping_Radon_Testing\" >4. Skipping Radon Testing<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#5_Not_Requesting_Seller_Concessions\" >5. Not Requesting Seller Concessions<\/a><\/li>\n<\/ul>\n<\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a>\n<ul class='ez-toc-list-level-3' >\n<li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#How_much_are_closing_costs_in_North_Carolina\" >How much are closing costs in North Carolina?<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#Does_NC_require_an_attorney_for_real_estate_closing\" >Does NC require an attorney for real estate closing?<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#What_is_North_Carolinas_excise_tax\" >What is North Carolina&#8217;s excise tax?<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#Who_pays_title_insurance_in_North_Carolina\" >Who pays title insurance in North Carolina?<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#Are_NC_closing_costs_higher_than_Texas\" >Are NC closing costs higher than Texas?<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#Does_Dare_County_have_a_special_transfer_tax\" >Does Dare County have a special transfer tax?<\/a><\/li>\n<\/ul>\n<\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/arvcalc.com\/blog\/north-carolina-closing-costs-investment-property\/#Related_NC_Tools\" >Related NC Tools<\/a><\/li>\n<\/ul>\n<\/nav>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Makes_NC_Closing_Costs_Different\"><\/span><span class=\"ez-toc-section\" id=\"What_Makes_NC_Closing_Costs_Different\"><\/span>What Makes NC Closing Costs Different<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>1. Attorney required.<\/strong> North Carolina is one of roughly 20 attorney-closing states. A licensed attorney must supervise the closing, certify the title, and prepare closing documents. Budget $600\u2013$1,200. In Texas and Florida, a title company handles everything \u2014 no attorney fee. Source: <a href=\"https:\/\/www.ncrec.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">NC Real Estate Commission<\/a>.<\/p>\n<p><strong>2. Excise tax (revenue stamps).<\/strong> NC charges $1 per $500 of sale price ($2 per $1,000 = 0.2%). On a $350K purchase = $700. Paid by seller by convention. Exception: Dare County (Outer Banks) has an additional 1% local transfer tax. Source: <a href=\"https:\/\/www.ncdor.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">NC Department of Revenue<\/a>.<\/p>\n<p><strong>3. Low property tax = lower escrow.<\/strong> NC&#8217;s 0.66% property tax means your escrow reserve at closing is smaller than in Texas (1.40%) or Ohio (1.36%). On a $350K property, NC escrow is roughly $575\/month vs $1,225 in Texas \u2014 saving $650\/month in reserves at closing.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"NC_Closing_Costs_Full_Breakdown\"><\/span><span class=\"ez-toc-section\" id=\"NC_Closing_Costs_Full_Breakdown\"><\/span>NC Closing Costs: Full Breakdown<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Cost Item<\/th>\n<th>Typical Amount<\/th>\n<th>Paid By<\/th>\n<th>NC Notes<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Attorney Fee<\/strong><\/td>\n<td>$600\u2013$1,200<\/td>\n<td>Buyer<\/td>\n<td>Required by law. Not optional.<\/td>\n<\/tr>\n<tr>\n<td><strong>Lender Origination<\/strong><\/td>\n<td>0.5% of loan<\/td>\n<td>Buyer<\/td>\n<td>Varies by lender.<\/td>\n<\/tr>\n<tr>\n<td><strong>Appraisal<\/strong><\/td>\n<td>$375\u2013$625<\/td>\n<td>Buyer<\/td>\n<td>Required by lender.<\/td>\n<\/tr>\n<tr>\n<td><strong>Inspection<\/strong><\/td>\n<td>$300\u2013$575<\/td>\n<td>Buyer<\/td>\n<td>Radon + pest inspections common in NC.<\/td>\n<\/tr>\n<tr>\n<td><strong>Title Insurance (Owner&#8217;s)<\/strong><\/td>\n<td>0.4% of price<\/td>\n<td>Buyer<\/td>\n<td>NC rates regulated by state. Buyer pays.<\/td>\n<\/tr>\n<tr>\n<td><strong>Lender Title Policy<\/strong><\/td>\n<td>0.12% of loan<\/td>\n<td>Buyer<\/td>\n<td>Required by lender.<\/td>\n<\/tr>\n<tr>\n<td><strong>Recording Fee<\/strong><\/td>\n<td>$75\u2013$200<\/td>\n<td>Buyer<\/td>\n<td>Register of Deeds.<\/td>\n<\/tr>\n<tr>\n<td><strong>Excise Tax<\/strong><\/td>\n<td>0.2% of price<\/td>\n<td>Seller<\/td>\n<td>$1 per $500. Dare County adds 1% local.<\/td>\n<\/tr>\n<tr>\n<td><strong>Escrow Reserves<\/strong><\/td>\n<td>2\u20133 months<\/td>\n<td>Buyer<\/td>\n<td>Low NC tax = lower reserves vs TX\/FL.<\/td>\n<\/tr>\n<tr>\n<td><strong>Credit Report<\/strong><\/td>\n<td>$30\u2013$75<\/td>\n<td>Buyer<\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"230\" src=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/nc-cc-breakdown.jpg\" alt=\"North Carolina closing costs NC Closing Costs: attorney + title + excise tax + escrow\" class=\"wp-image-937\" srcset=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/nc-cc-breakdown.jpg 900w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/nc-cc-breakdown-300x77.jpg 300w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/nc-cc-breakdown-768x196.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption>NC Closing Costs: attorney + title + excise tax + escrow<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"Worked_Example_Charlotte_SFR_%E2%80%94_350000\"><\/span><span class=\"ez-toc-section\" id=\"Worked_Example_Charlotte_SFR_%E2%80%94_350000\"><\/span>Worked Example: Charlotte SFR \u2014 $350,000<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Purchase:<\/strong> $350,000 SFR in Mecklenburg County. <strong>Loan:<\/strong> $262,500 (25% down).<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Item<\/th>\n<th>Amount<\/th>\n<th>Calculation<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Attorney Fee<\/td>\n<td>$1,000<\/td>\n<td>Standard residential closing<\/td>\n<\/tr>\n<tr>\n<td>Lender Origination (0.5%)<\/td>\n<td>$1,313<\/td>\n<td>$262,500 \u00d7 0.5%<\/td>\n<\/tr>\n<tr>\n<td>Appraisal<\/td>\n<td>$475<\/td>\n<td>Standard fee<\/td>\n<\/tr>\n<tr>\n<td>Inspection + Radon + Pest<\/td>\n<td>$550<\/td>\n<td>NC-standard combo<\/td>\n<\/tr>\n<tr>\n<td>Title Insurance (Owner&#8217;s)<\/td>\n<td>$1,400<\/td>\n<td>$350,000 \u00d7 0.4%<\/td>\n<\/tr>\n<tr>\n<td>Lender Title Policy<\/td>\n<td>$315<\/td>\n<td>$262,500 \u00d7 0.12%<\/td>\n<\/tr>\n<tr>\n<td>Recording Fee<\/td>\n<td>$125<\/td>\n<td>Mecklenburg County<\/td>\n<\/tr>\n<tr>\n<td>Escrow Reserves (3 mo)<\/td>\n<td>$1,478<\/td>\n<td>3 \u00d7 ($242 tax + $250 ins)<\/td>\n<\/tr>\n<tr>\n<td>Credit Report<\/td>\n<td>$50<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Prepaid Interest (15 days)<\/td>\n<td>$767<\/td>\n<td>$262,500 \u00d7 7% \u00f7 365 \u00d7 15<\/td>\n<\/tr>\n<tr>\n<td><strong>Total Buyer Closing Costs<\/strong><\/td>\n<td><strong>$7,473<\/strong><\/td>\n<td><strong>2.1% of purchase price<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><strong>2.1% of purchase \u2014 on the low end<\/strong> because NC&#8217;s property tax (0.83% Mecklenburg) keeps escrow reserves small. The excise tax ($700) is paid by the seller. Run your specific deal in the <a href=\"\/states\/north-carolina\/closing-costs-calculator\">NC closing costs calculator<\/a>.<\/p>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"180\" src=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/nc-cc-charlotte.jpg\" alt=\"North Carolina closing costs Charlotte $7,473 (2.1%) vs Greensboro $4,440 (2.5%)\" class=\"wp-image-938\" srcset=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/nc-cc-charlotte.jpg 900w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/nc-cc-charlotte-300x60.jpg 300w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/nc-cc-charlotte-768x154.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption>Charlotte $7,473 (2.1%) vs Greensboro $4,440 (2.5%)<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"Worked_Example_Greensboro_Duplex_%E2%80%94_180000\"><\/span><span class=\"ez-toc-section\" id=\"Worked_Example_Greensboro_Duplex_%E2%80%94_180000\"><\/span>Worked Example: Greensboro Duplex \u2014 $180,000<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Item<\/th>\n<th>Amount<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Attorney Fee<\/td>\n<td>$750<\/td>\n<\/tr>\n<tr>\n<td>Lender Origination (0.5%)<\/td>\n<td>$675<\/td>\n<\/tr>\n<tr>\n<td>Appraisal<\/td>\n<td>$450<\/td>\n<\/tr>\n<tr>\n<td>Inspection + Pest<\/td>\n<td>$425<\/td>\n<\/tr>\n<tr>\n<td>Title Insurance (Owner&#8217;s)<\/td>\n<td>$720<\/td>\n<\/tr>\n<tr>\n<td>Lender Title Policy<\/td>\n<td>$162<\/td>\n<\/tr>\n<tr>\n<td>Recording Fee<\/td>\n<td>$100<\/td>\n<\/tr>\n<tr>\n<td>Escrow Reserves (3 mo)<\/td>\n<td>$928<\/td>\n<\/tr>\n<tr>\n<td>Credit Report + Prepaid<\/td>\n<td>$230<\/td>\n<\/tr>\n<tr>\n<td><strong>Total<\/strong><\/td>\n<td><strong>$4,440<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><strong>$4,440 = 2.5%.<\/strong> Higher percentage than Charlotte because fixed costs (attorney, appraisal, inspection) are similar regardless of price. For the full rental analysis, use the <a href=\"\/states\/north-carolina\/rental-property-calculator\">NC rental property calculator<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"NC_vs_Georgia_vs_Texas_vs_Florida_Closing_Costs\"><\/span><span class=\"ez-toc-section\" id=\"NC_vs_Georgia_vs_Texas_vs_Florida_Closing_Costs\"><\/span>NC vs Georgia vs Texas vs Florida Closing Costs<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Factor<\/th>\n<th>North Carolina<\/th>\n<th>Georgia<\/th>\n<th>Texas<\/th>\n<th>Florida<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Transfer\/Excise Tax<\/strong><\/td>\n<td>0.2%<\/td>\n<td>0.1%<\/td>\n<td><strong>None<\/strong><\/td>\n<td>0.7%<\/td>\n<\/tr>\n<tr>\n<td><strong>Attorney Required<\/strong><\/td>\n<td>Yes ($600-$1,200)<\/td>\n<td>Yes ($800-$1,500)<\/td>\n<td>No<\/td>\n<td>No<\/td>\n<\/tr>\n<tr>\n<td><strong>Intangible Tax<\/strong><\/td>\n<td>None<\/td>\n<td>0.3% of loan<\/td>\n<td>None<\/td>\n<td>0.2% of loan<\/td>\n<\/tr>\n<tr>\n<td><strong>Title Paid By<\/strong><\/td>\n<td>Buyer<\/td>\n<td>Buyer<\/td>\n<td>Seller<\/td>\n<td>Varies<\/td>\n<\/tr>\n<tr>\n<td><strong>Buyer Total<\/strong><\/td>\n<td>2\u20134.5%<\/td>\n<td>2.5\u20135%<\/td>\n<td><strong>2\u20134%<\/strong><\/td>\n<td>2.5\u20135%<\/td>\n<\/tr>\n<tr>\n<td><strong>Unique Cost<\/strong><\/td>\n<td>Excise tax + attorney<\/td>\n<td>Intangible + attorney<\/td>\n<td>Survey required<\/td>\n<td>Doc stamps highest<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>NC closing costs are competitive with Texas (2\u20134%) and lower than Georgia (no intangible tax) or Florida (no doc stamps). The attorney requirement adds $600\u2013$1,200 that TX\/FL don&#8217;t have, but NC&#8217;s excise tax (0.2%) is lower than FL doc stamps (0.7%). Compare deals in the <a href=\"\/closing-costs-calculator\">closing costs calculator<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Dare_County_The_Coastal_Exception\"><\/span><span class=\"ez-toc-section\" id=\"Dare_County_The_Coastal_Exception\"><\/span>Dare County: The Coastal Exception<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Dare County (Outer Banks) is the only NC county with an additional local transfer tax of <strong>1%<\/strong> on top of the state&#8217;s 0.2%. On a $500K OBX vacation rental, that is $5,000 in local transfer tax + $1,000 state excise = $6,000 total. This significantly affects BRRRR and flip calculations for coastal properties. Use the <a href=\"\/states\/north-carolina\/brrrr-calculator\">NC BRRRR calculator<\/a> with Dare County costs included.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_NC_Closing_Cost_Mistakes\"><\/span><span class=\"ez-toc-section\" id=\"5_NC_Closing_Cost_Mistakes\"><\/span>5 NC Closing Cost Mistakes<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Not_Budgeting_for_the_Attorney\"><\/span><span class=\"ez-toc-section\" id=\"1_Not_Budgeting_for_the_Attorney\"><\/span>1. Not Budgeting for the Attorney<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why:<\/strong> $600\u2013$1,200 that TX and FL investors never encounter. On a $180K Greensboro deal, the attorney fee is 0.4% of purchase.<\/p>\n<p><strong>Fix:<\/strong> Always include attorney fee. Required by NC law.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Assuming_Seller_Pays_Title_Insurance\"><\/span><span class=\"ez-toc-section\" id=\"2_Assuming_Seller_Pays_Title_Insurance\"><\/span>2. Assuming Seller Pays Title Insurance<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why:<\/strong> In Texas, seller pays owner&#8217;s title policy. In NC, buyer pays. On $350K = $1,400 you weren&#8217;t expecting.<\/p>\n<p><strong>Fix:<\/strong> Budget 0.4% of purchase price for owner&#8217;s title in NC. Negotiate seller concessions if needed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Missing_Dare_Countys_1_Transfer_Tax\"><\/span><span class=\"ez-toc-section\" id=\"3_Missing_Dare_Countys_1_Transfer_Tax\"><\/span>3. Missing Dare County&#8217;s 1% Transfer Tax<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why:<\/strong> Only Dare County has this. Out-of-state investors buying OBX vacation rentals get surprised by $5,000+ in extra transfer costs.<\/p>\n<p><strong>Fix:<\/strong> Verify county-specific transfer taxes before making OBX offers. Per <a href=\"https:\/\/www.ncdor.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">NC DOR<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Skipping_Radon_Testing\"><\/span><span class=\"ez-toc-section\" id=\"4_Skipping_Radon_Testing\"><\/span>4. Skipping Radon Testing<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why:<\/strong> NC&#8217;s mountain and piedmont regions have elevated radon levels. A $150 radon test can prevent a $3,000\u2013$5,000 mitigation surprise after closing.<\/p>\n<p><strong>Fix:<\/strong> Add radon test ($100\u2013$150) to every NC inspection, especially in Asheville and western NC.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Not_Requesting_Seller_Concessions\"><\/span><span class=\"ez-toc-section\" id=\"5_Not_Requesting_Seller_Concessions\"><\/span>5. Not Requesting Seller Concessions<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why:<\/strong> NC sellers can contribute 3\u20136% toward buyer closing costs. On a $350K purchase = $10,500\u2013$21,000 potential savings. In a 22-day DOM market, many sellers agree.<\/p>\n<p><strong>Fix:<\/strong> Request 2\u20133% seller credit. See <a href=\"\/blog\/investment-property-down-payment-guide\/\">down payment guide<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div itemscope itemtype=\"https:\/\/schema.org\/FAQPage\">\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"How_much_are_closing_costs_in_North_Carolina\"><\/span><span class=\"ez-toc-section\" id=\"How_much_are_closing_costs_in_North_Carolina\"><\/span>How much are closing costs in North Carolina?<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:block\">\n<p itemprop=\"text\">Buyer closing costs run 2\u20134.5% of purchase price. Charlotte $350K example: $7,473 (2.1%). Greensboro $180K: $4,440 (2.5%). NC is competitive with Texas (2\u20134%) and lower than Georgia or Florida. The attorney requirement ($600\u2013$1,200) is the main NC-specific cost.<\/p>\n<\/div>\n<\/div>\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"Does_NC_require_an_attorney_for_real_estate_closing\"><\/span><span class=\"ez-toc-section\" id=\"Does_NC_require_an_attorney_for_real_estate_closing\"><\/span>Does NC require an attorney for real estate closing?<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none\">\n<p itemprop=\"text\">Yes. NC is an attorney-closing state. A licensed attorney must supervise and certify the closing. Budget $600\u2013$1,200. This is required by law \u2014 not optional. Find attorneys via <a href=\"https:\/\/www.ncbar.org\/\" target=\"_blank\" rel=\"noopener noreferrer\">NC Bar Association<\/a>.<\/p>\n<\/div>\n<\/div>\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"What_is_North_Carolinas_excise_tax\"><\/span><span class=\"ez-toc-section\" id=\"What_is_North_Carolinas_excise_tax\"><\/span>What is North Carolina&#8217;s excise tax?<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none\">\n<p itemprop=\"text\">NC excise tax (revenue stamps) is $1 per $500 of sale price ($2 per $1,000 = 0.2%). Paid by seller by convention. On a $350K sale = $700. Dare County (Outer Banks) adds a 1% local transfer tax on top.<\/p>\n<\/div>\n<\/div>\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"Who_pays_title_insurance_in_North_Carolina\"><\/span><span class=\"ez-toc-section\" id=\"Who_pays_title_insurance_in_North_Carolina\"><\/span>Who pays title insurance in North Carolina?<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none\">\n<p itemprop=\"text\">In NC, the buyer typically pays owner&#8217;s title insurance (0.4% of purchase price) and the lender&#8217;s title policy (0.12% of loan). This differs from Texas where the seller pays owner&#8217;s title. NC title rates are regulated by the state \u2014 not negotiable between companies.<\/p>\n<\/div>\n<\/div>\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"Are_NC_closing_costs_higher_than_Texas\"><\/span><span class=\"ez-toc-section\" id=\"Are_NC_closing_costs_higher_than_Texas\"><\/span>Are NC closing costs higher than Texas?<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none\">\n<p itemprop=\"text\">Slightly higher due to the attorney requirement ($600\u2013$1,200). But NC has no intangible tax (Georgia charges 0.3%), lower excise tax (0.2% vs FL&#8217;s 0.7%), and lower escrow reserves because of NC&#8217;s 0.66% property tax. Total buyer costs are comparable: NC 2\u20134.5% vs TX 2\u20134%.<\/p>\n<\/div>\n<\/div>\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"Does_Dare_County_have_a_special_transfer_tax\"><\/span><span class=\"ez-toc-section\" id=\"Does_Dare_County_have_a_special_transfer_tax\"><\/span>Does Dare County have a special transfer tax?<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none\">\n<p itemprop=\"text\">Yes. Dare County (Outer Banks) imposes a 1% local real estate transfer tax in addition to the state&#8217;s 0.2% excise tax. On a $500K OBX property, that is $5,000 local + $1,000 state = $6,000 in transfer costs. No other NC county has this local tax.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Related_NC_Tools\"><\/span><span class=\"ez-toc-section\" id=\"Related_NC_Tools\"><\/span>Related NC Tools<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><a href=\"\/states\/north-carolina\/closing-costs-calculator\"><strong>NC Closing Costs Calculator<\/strong><\/a><\/li>\n<li><a href=\"\/states\/north-carolina\/rental-property-calculator\"><strong>NC Rental Property Calculator<\/strong><\/a><\/li>\n<li><a href=\"\/states\/north-carolina\/cap-rate-calculator\"><strong>NC Cap Rate Calculator<\/strong><\/a><\/li>\n<li><a href=\"\/states\/north-carolina\/dscr-calculator\"><strong>NC DSCR Calculator<\/strong><\/a><\/li>\n<li><a href=\"\/states\/north-carolina\/brrrr-calculator\"><strong>NC BRRRR Calculator<\/strong><\/a><\/li>\n<li><a href=\"\/states\/north-carolina\/\"><strong>NC Calculator Hub<\/strong><\/a><\/li>\n<li><a href=\"\/blog\/north-carolina-rental-property-investment\/\">NC Rental Property Guide<\/a><\/li>\n<li><a href=\"\/blog\/north-carolina-cap-rate\/\">NC Cap Rate by City<\/a><\/li>\n<li><a href=\"\/blog\/closing-costs-on-investment-property-guide\/\">Closing Costs: Complete Guide<\/a><\/li>\n<li><a href=\"\/blog\/investment-property-down-payment-guide\/\">Down Payment Guide<\/a><\/li>\n<li><a href=\"\/calculators\"><strong>All 30+ Calculators<\/strong><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>North Carolina closing costs for investment property run 2\u20134.5% of the purchase price for buyers. NC is an attorney-closing state ($600\u2013$1,200 required) and charges a 0.2% excise tax ($2 per&#8230;<\/p>\n","protected":false},"author":1,"featured_media":918,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-916","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides"],"_links":{"self":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts\/916","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/comments?post=916"}],"version-history":[{"count":2,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts\/916\/revisions"}],"predecessor-version":[{"id":940,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts\/916\/revisions\/940"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/media\/918"}],"wp:attachment":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/media?parent=916"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/categories?post=916"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/tags?post=916"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}