Closing Costs

How Much Are Closing Costs in Post Falls, Idaho?

By TitleThrive Editorial

Updated March 16, 2026

6 min read

Quick Answer

Closing costs in Post Falls typically range from 2% to 5% of the purchase price for buyers. Post Falls is in Kootenai County — Idaho is a filed-rate state where rates vary by company per the Idaho DOI (IDAPA 18.05.01). Recording fees: $15 deeds, $45 mortgages (Idaho Code § 31-3205). No transfer tax.

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Closing Costs in Post Falls

Post Falls — Kootenai County’s second-largest city, just west of Coeur d’Alene — offers more affordable pricing than its resort neighbor while sharing the same title company market. Buyers pay 2%–5%; sellers pay 6%–8% including commissions.

Buyer Costs

Lender’s title insurance: Filed rates vary by company in Kootenai County (IDAPA 18.05.01). Compare quotes.

Origination: 0.5%–1%. Appraisal: $400–$600. Inspection: $300–$500.

Recording: $60 ($15 + $45 per Idaho Code § 31-3205).

Prepaid: $1,500–$3,000.

Seller Costs

Owner’s title insurance (seller pays by custom). Commissions: 5%–6%. Release: $15 (Idaho Code § 31-3205). Transfer tax: $0.

Post Falls vs. Coeur d’Alene

Same Kootenai County title companies and rates. The difference is property values — Post Falls’ lower median means lower absolute closing costs. Post Falls also has fewer complex lakefront transactions requiring additional endorsements.

Savings

Compare quotes (filed rates vary). Simultaneous issue: $100. Reissue: up to 40% within 2 years per IDAPA 18.05.01.013. Seller concessions: up to 3%.

Fact-checked by TitleThrive Editorial

Sources & Citations
  1. Idaho Department of Insurance — 2025 Filed Short Term Escrow Rates
  2. Idaho Code § 31-3205 — County Recording Fees

Rates and fees referenced in this article are based on data filed with the applicable state department of insurance. Filed rates are subject to change. This content is for educational purposes and does not constitute a title insurance quote, legal advice, or financial advice. Contact a licensed title company for current rates specific to your transaction. Learn about our editorial standards.

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Frequently Asked Questions

Are Post Falls closing costs lower than Coeur d'Alene?

Same rates (both in Kootenai County), but Post Falls' lower median home prices mean lower absolute costs. Fewer lakefront transactions also means fewer additional endorsement charges.

Does Post Falls have a transfer tax?

No. Idaho has no transfer tax at any level.

Can I shop for rates in Post Falls?

Yes — Idaho's filed-rate system means rates vary by company. Get quotes from at least two Kootenai County providers.

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