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Where does your state rank?

Closing Costs » Mortgage Closing Costs By State: 2010

Researchers requested a good faith estimate for a $200,000 loan, assuming a 20 percent down payment and good credit.

The table below ranks the states, from most expensive closing costs to least expensive, by 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 government fees and escrow fees.

In 2009 and 2010, Bankrate surveyed one area in 49 states, two areas in California (Los Angeles and San Francisco) and the District of Columbia. An (*) below denotes a tie. 

2010 closing costs

2010 rank2009 rankState or cityOrigination feeTitle and closing fee2010 Total
12New York$2,015$3,608$5,623
21Texas$1,539$3,169$4,708
316Utah$1,431$3,174$4,605
44California - San Francisco$1,386$3,181$4,566
514California - Los Angeles$1,419$2,987$4,406
66Alaska$1,936$2,391$4,327
78Oklahoma$1,352$2,902$4,254
87Pennsylvania$1,340$2,897$4,236
928New Jersey$1,338$2,772$4,110
1027Idaho$1,365$2,711$4,077
1118Massachusetts$1,548$2,477$4,025
123Florida$1,237$2,751$3,987
139Ohio$1,446$2,540$3,985
1442Rhode Island$1,989$1,983$3,972
1539Arizona$1,437$2,514$3,950
1634Wyoming$1,460$2,462$3,922
1738Minnesota$1,403$2,517$3,920
1823Louisiana$1,491$2,406$3,897
1915Virginia$1,528$2,355$3,883
2019Michigan$1,424$2,380$3,804
2111North Dakota$1,515$2,285$3,800
2241District of Columbia$1,363$2,322$3,685
2335Delaware$1,401$2,248$3,649
2420West Virginia$1,421$2,216$3,637
2551Kansas$1,453$2,161$3,615
2645Nebraska$1,529$2,079$3,608
2710Washington$1,452$2,154$3,607
2831Georgia$1,402$2,201$3,604
2926South Carolina$1,366$2,155$3,522
3030Alabama$1,529$1,983$3,512
3143Illinois$1,422$2,083$3,505
3212Tennessee$1,450$2,033$3,483
3313New Mexico$1,401$2,079$3,480
3452Nevada$1,248$2,223$3,471
3550Indiana$1,452$2,013$3,465
3621Hawaii$1,303$2,139$3,442
3749Maine$1,456$1,976$3,432
3840Maryland$1,481$1,921$3,402
3924Connecticut$1,408$1,983$3,391
4048Vermont$1,483$1,889$3,372
4129Colorado$1,449$1,917$3,366
4232South Dakota$1,458$1,905$3,363
4336New Hampshire$1,533$1,825$3,358
4447Missouri$1,344$2,012$3,356
4544Kentucky$1,488$1,893$3,341
4625Mississippi$1,480$1,855$3,335
475Oregon$1,450$1,883$3,333
4822Wisconsin$1,491$1,812$3,303
4933Montana$1,409$1,890$3,298
5037Iowa$1,477$1,784$3,261
5146North Carolina$1,476$1,779$3,255
5217Arkansas$1,466$1,542$3,007
      
  Average$1,463$2,277$3,741

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