Closing costs averages for each state:

2006 rank 2005 rank State Closing costs 1 1 New York $3,887 2 15 Texas $3,578 3 2 Hawaii $3,407 4 10 Ohio $3,354 5 5 Florida $3,349 6 6 Connecticut $3,284 7 3 Alaska $3,265 8 11 New Mexico $3,239 9 18 Kentucky $3,206 10 12 Alabama $3,189 11 33 Oklahoma $3,181 12 7 Pennsylvania $3,175 13 4 New Jersey $3,158 14 14 Massachusetts $3,143 15 45 Oregon $3,137 16 37 Mississippi $3,102 17 8 California $3,097 18 16 Louisiana $3,056 19 28 Idaho $3,049 20 19 Georgia $3,046 21 42 Tennessee $3,016 22 22 Nevada $2,993 23 23 Colorado $2,988 23 40 South Carolina $2,988 25 13 Delaware $2,984 26 48 Wisconsin $2,972 27 20 Maine $2,961 27 26 Rhode Island $2,961 29 38 Vermont $2,950 30 36 Minnesota $2,919 31 41 Illinois $2,918 32 46 Utah $2,913 32 29 Virginia $2,913 34 43 North Carolina $2,905 35 24 Arkansas $2,904 36 44 North Dakota $2,895 37 39 Washington $2,887 38 9 Maryland $2,876 39 34 Nebraska $2,874 40 35 Iowa $2,841 41 30 West Virginia $2,823 42 50 South Dakota $2,817 43 47 Indiana $2,793 44 49 Kansas $2,787 45 25 Arizona $2,784 46 17 Washington, D.C. $2,772 46 51 Wyoming $2,772 48 21 Montana $2,737 49 32 New Hampshire $2,734 50 31 Michigan $2,714 51 27 Missouri $2,713     2006 average $3,024     2006 median $2,978     2005 average $2,748     2005 median $2,669

Bankrate.com researchers gathered closing-cost information from at least eight lenders in all 50 states and the District of Columbia. Researchers requested a good faith estimate for a $200,000 loan, assuming a 20-percent down payment and good credit. Below, ranked from most expensive to least expensive, are the average closing costs charged by the lending industry for a mortgage in each state. Your costs will be higher than shown here because the most highly variable costs are not included: Taxes, other governmental fees and escrow fees. They vary almost infinitely, by locale and by which day of the month the closing occurs. With one exception, the quotes were gathered for the largest city in each state. Because of the unique nature of New York City's real estate market, Buffalo was used.