◆ Closing Costs
Average home-buyer closing costs for all 51 US jurisdictions (50 states + DC), as a percent of home price, ranked cheapest to most expensive. Pick your state to estimate your total and see the fee breakdown. Free, instant and private.
Cheapest to close
South Dakota · 0.46%
Most expensive
Delaware · 2.99%
Note These are statewide averagebuyer closing costs (lender, title, transfer tax, appraisal and prepaids — not agent commission). Actual costs depend on your lender, loan and negotiations, so get a Loan Estimate for exact figures. States with heavy real-estate transfer taxes (Delaware, New York, Pennsylvania, Vermont) sit at the top; the “$400k” column shows the estimated total on a $400,000 home.
All states, cheapest to most expensive
1South Dakota$1,840 on $400k0.46%2Alaska$2,160 on $400k0.54%3North Carolina$2,240 on $400k0.56%4Colorado$2,360 on $400k0.59%5Missouri$2,400 on $400k0.6%6Montana$2,400 on $400k0.6%7Hawaii$2,480 on $400k0.62%8Iowa$2,560 on $400k0.64%9South Carolina$2,600 on $400k0.65%10Oregon$2,680 on $400k0.67%11North Dakota$2,760 on $400k0.69%12Idaho$2,800 on $400k0.7%13Indiana$2,800 on $400k0.7%14Utah$2,880 on $400k0.72%15California$2,960 on $400k0.74%16Nebraska$2,960 on $400k0.74%17Rhode Island$3,000 on $400k0.75%18Arizona$3,040 on $400k0.76%19Wisconsin$3,040 on $400k0.76%20Wyoming$3,040 on $400k0.76%21Kansas$3,200 on $400k0.8%22Massachusetts$3,240 on $400k0.81%23Arkansas$3,360 on $400k0.84%24Nevada$3,360 on $400k0.84%25New Mexico$3,360 on $400k0.84%26Maine$3,520 on $400k0.88%27Alabama$3,560 on $400k0.89%28Kentucky$3,640 on $400k0.91%29Minnesota$3,640 on $400k0.91%30New Jersey$3,680 on $400k0.92%31Connecticut$3,720 on $400k0.93%32Texas$3,720 on $400k0.93%33Mississippi$3,920 on $400k0.98%34Washington$4,040 on $400k1.01%35Ohio$4,280 on $400k1.07%36Michigan$4,320 on $400k1.08%37Oklahoma$4,320 on $400k1.08%38West Virginia$4,560 on $400k1.14%39Tennessee$4,720 on $400k1.18%40Louisiana$4,800 on $400k1.2%41Georgia$4,960 on $400k1.24%42Illinois$5,200 on $400k1.3%43New Hampshire$5,360 on $400k1.34%44Virginia$5,440 on $400k1.36%45Florida$7,280 on $400k1.82%46Maryland$8,120 on $400k2.03%47Vermont$8,800 on $400k2.2%48Pennsylvania$9,440 on $400k2.36%49District of Columbia$9,560 on $400k2.39%50New York$9,880 on $400k2.47%51Delaware$11,960 on $400k2.99% Source: LodeStar 2026 Purchase Mortgage Closing Cost Data Report, via Bankrate “Average Closing Costs by State” (2026); total purchase closing costs incl. transfer taxes, excl. agent commissions, as a % of average sale price. Cross-checked with Forbes Advisor and NAR. Fees change; get a Loan Estimate for exact figures.