Chief Magistrate Howard Riddle said he'll render a judgment tomorrow after defense and prosecution lawyers deliver closing statements on the fourth day of a trial in London.
Terry denies the allegation, saying he repeated words he thought Ferdinand, 27, had directed at him. Prosecutors say Terry concocted the defense with teammate Ashley Cole after the game to save his reputation. Cole isn't accused of wrongdoing.
The England national team player, who is among the most recognizable in soccer's richest league, is fighting a charge of a racially-aggravated public order offense for using threatening, abusive or insulting words or behavior.
Terry was stripped of the England captaincy in February after Riddle delayed the trial at Chelsea's request. Fabio Capello quit as the national team's manager in February after the Football Association stripped Terry of the job.
If convicted, Terry could be fined as much as 2,500 pounds ($3,900) and may face further sanctions from English soccer's governing body. Liverpool striker Luis Suarez received an eight- game ban after being found guilty by a soccer tribunal of making racist remarks to Manchester United's Patrice Evra.