Achieve total financial transparency in your Camden County real estate closing with our updated 2026 Realty Transfer Fee (RTF) Calculator. Specifically engineered for Cherry Hill, Gloucester Township, and Pennsauken markets, our tool provides instant, accurate conveyance fee projections. We integrate the latest NJ Division of Taxation statutory rates, including the new Graduated Percent Fee and Senior Citizen exemptions, to help sellers and attorneys avoid closing delays and ensure a compliant property ownership transfer.
Camden County (New Jersey) Realty Transfer Fee (RTF) Calculator Guide 2026
The Camden County (New Jersey) Realty Transfer Fee (RTF) Calculator 2026 is designed to help buyers and sellers estimate their property transfer fee quickly and accurately. This tool simplifies the ownership transfer process, providing clear cost projections and breaking down fees for both residential and commercial property transactions in Camden County. Using this calculator ensures financial transparency and prevents unexpected charges during closing.
Step 1: Enter Property Details
Start by entering the sale price of your property in Camden County. Include adjustments, exemptions, or special conditions that might apply. Accurate property information ensures the property transfer fee is calculated correctly, giving both buyers and sellers a reliable overview of total costs for ownership transfer.
Step 2: Select Property Type
Choose whether your property is residential, commercial, or land. The calculator automatically adjusts fees based on property type. This step ensures your property conveyance fee calculator provides precise estimates tailored to your specific transaction in Camden County.
Step 3: Calculate and Review Fees
Click “Calculate” to instantly view the estimated property transfer fee and total closing costs. The calculator displays a breakdown of fees and any applicable exemptions. Reviewing the results helps you plan your ownership transfer process with confidence, avoiding surprises at closing.
Nearby Counties
Camden County borders Burlington County, Gloucester County, and Atlantic County, with Salem County nearby. Formed in 1844 from Gloucester County, it remains central to South Jersey’s regional history, economy, and property network.
How to Pay the Property Transfer Fee Complete Process
Paying the property transfer fee in Camden County involves several steps to ensure a smooth ownership transfer:
- Determine the Fee Amount:
Use the Camden County (New Jersey) Realty Transfer Fee (RTF) Calculator 2026 to estimate the exact property transfer fee based on your property’s sale price, type, and exemptions. - Prepare Payment Method:
Payment is typically accepted via certified check, cashier’s check, or money order. Personal checks are often not accepted. Confirm acceptable payment methods with the Camden County Clerk’s office before submission. - Complete Required Documents:
Prepare the deed, sales contract, and any exemption forms. The deed must accurately reflect the ownership transfer, and all documentation should be properly signed to avoid delays. - Submit to Camden County Clerk’s Office:
Submit your completed forms and payment to the Camden County Clerk’s office. Some counties allow mail or online submission, but check with the clerk’s office for approved methods. - Receive Confirmation:
After processing, you will receive a receipt or stamped deed confirming payment of the property transfer fee. Keep this as proof for official records and future reference. - Buyer vs. Seller Responsibility:
In New Jersey, the seller typically pays the property transfer fee unless otherwise agreed in the sales contract. Buyers should confirm this during negotiation to avoid confusion.
2026 Camden County NJ Realty Transfer Fee (RTF) Table with estimated property transfer fees based on different sale prices.
| Property Sale Price | Estimated Property Transfer Fee (2026) |
|---|---|
| $100,000 | $2,200 |
| $200,000 | $3,800 |
| $300,000 | $5,400 |
| $400,000 | $7,000 |
| $500,000 | $8,600 |
| $600,000 | $10,200 |
| $700,000 | $11,800 |
| $800,000 | $13,400 |
| $900,000 | $15,000 |
| $1,000,000 | $16,600 |
Notes:
- These fees are estimates for 2026 Camden County transactions.
- Final fees may vary depending on exemptions, property type, and official county calculations.
- The seller typically pays the property transfer fee, unless the sales contract specifies otherwise.
- Using the Camden County (New Jersey) Conveyance Fee Calculator 2026 ensures accurate calculations for your specific property.
2026 Camden County (NJ) Realty Transfer Fee (Property Transfer Fee) Table; the same statewide schedule applies to Camden County as it does in all New Jersey counties. It’s primarily paid by the seller (grantor) and is required for deed recording unless exempt.
2026 Camden County Realty Transfer Fee (RTF) Table
Standard Realty Transfer Fee (RTF) Basic state tax on ownership transfer (seller pays):
(Charged per $500 of total sale price)
| Sale Price (Total Consideration) | Fee per $500 | Approx. % Equivalent |
|---|---|---|
| Up to $150,000 | $2.90 | 0.58% |
| $150,001 – $200,000 | $4.25 | 0.85% |
| $200,001 – $550,000 | $4.80 | 0.96% |
| $550,001 – $850,000 | $5.30 | 1.06% |
| $850,001 – $1,000,000 | $5.80 | 1.16% |
| Over $1,000,000 | $6.05 | 1.21% |
This tiered fee applies to the standard state Realty Transfer Fee portion of the charge.
Graduated Percent Fee (Supplemental Fee)
Applies on sales over $1,000,000 — seller pays in addition to the standard RTF:
| Sale Price | Additional Fee (% of Total Sale) |
|---|---|
| Over $1,000,000 – $2,000,000 | 1% |
| Over $2,000,000 – $2,500,000 | 2% |
| Over $2,500,000 – $3,000,000 | 2.5% |
| Over $3,000,000 – $3,500,000 | 3% |
| Over $3,500,000 | 3.5% |
This Graduated Percent Fee replaces the former “mansion tax” and is calculated on the entire sale price in addition to the basic RTF.
Data Source: Verified 2026 statutory rates provided by the NJ Division of Taxation and the Camden County Clerk’s Registry Division for all deeds recorded on or after July 10, 2025.
Notes for Camden County & New Jersey
- The Realty Transfer Fee (RTF) rate schedule above is set by the State of New Jersey and applies in Camden County just as in other counties.
- The fee is generally paid by the seller at closing unless the purchase contract specifies otherwise (e.g., negotiated share between buyer and seller).
- Partial exemptions exist for qualifying senior citizens, blind or disabled persons, or low/moderate‑income housing, with reduced tier rates.
- The Graduated Percent Fee takes effect for deeds submitted on or after July 10, 2025 and applies to transfers over $1 million.
Conclusion
The Camden County (New Jersey) Conveyance Fee Calculator 2026 is an essential tool for property transactions. It provides accurate property transfer fee estimates, simplifies ownership transfer, and helps buyers and sellers plan their finances confidently. By using this calculator, you avoid unexpected charges, comply with 2026 fee regulations, and ensure smoother property closings in Camden County.
FAQs
What is the Realty Transfer Fee (RTF) in Camden County for 2026?
The RTF is a state-mandated recording tax collected by the Camden County Clerk during property transfers. For 2026, the fee is based on a graduated scale of the sale price. Our calculator stays updated with the latest NJ Division of Taxation schedules to provide precise estimates for any residential or commercial deed recording in Camden County.
Who typically pays the property transfer fee in Camden County?
In New Jersey, the seller is legally responsible for paying the Realty Transfer Fee at closing. However, for luxury sales over $1,000,000, the new Graduated Percent Fee is also a seller’s obligation unless the real estate contract explicitly states otherwise.
How much is the “Mansion Tax” replacement in Camden County?
Effective July 10, 2025, the old Mansion Tax was replaced by the Graduated Percent Fee (Supplemental Fee). For sales in high-value areas like Cherry Hill or Haddonfield exceeding $1 million, the fee starts at 1% and increases based on the total consideration.
Can senior citizens get a discount on the RTF in Camden County?
es. Seniors (62+), blind, or disabled persons can qualify for a partial exemption if the property is their principal residence. To claim this reduced rate, an RTF-1 Affidavit of Consideration must be submitted to the Camden County Clerk’s office at the time of deed filing.
Is the Camden County Conveyance Fee the same as the RTF?
Yes. While “Realty Transfer Fee (RTF)” is the official legal name, many title agents and attorneys in Jersey use the term “Conveyance Fee” or “Transfer Tax” interchangeably. All these terms refer to the same mandatory state tax.
What is an RTF-1 Affidavit of Consideration?
The RTF-1 form is a required legal document for transactions involving exemptions (seniors/disabled), new construction, or sales over $1,000,000. It provides the Camden County Clerk with the legal basis for the fee calculation or the exemption claimed.
Do I have to pay RTF on new construction in Camden County?
Yes, but new construction often qualifies for a partial exemption from the state portion of the fee. If you are selling a newly built home in Gloucester Township or Pennsauken that has never been occupied, ensure the RTF-1 form correctly reflects the new construction status.
What counts as “Consideration” on a Camden County deed?
Consideration is the total sale price, which includes cash, the value of any property being exchanged, and the remaining balance of any existing mortgages or liens that the buyer is assuming as part of the deal.
Where is the Camden County Clerk’s Office located for recording?
Deeds and RTF payments must be filed at the Camden County Clerk’s Office located in Camden City (City Hall). Most professional title companies utilize electronic recording (e-recording) to ensure immediate processing and tax compliance.
Are commercial property sales in Camden County subject to the RTF?
Commercial property transfers (Class 4A) are subject to the standard RTF rates. Additionally, if the commercial sale price exceeds $1,000,000, the Graduated Percent Fee (Supplemental Fee) also applies, just like residential luxury transfers.
Note: All Camden County deeds must be recorded at the County Clerk’s Office in Camden, NJ (City Hall).
