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How much are closing costs in your state?

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The table below lists states alphabetically with their average closing costs. Check your state for a detailed summary of average fees.

Your final charges probably will be higher than shown here because the most highly variable costs are not included: title insurance, title search, taxes, other government fees, escrow fees and discount points.

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Bankrate requested good faith estimates for a $200,000 mortgage loan from up to 10 lenders in a city (or several cities) in each state, plus Washington, D.C. The hypothetical loan was for a purchase of a single-family house, using a 20 percent down payment, with excellent credit. Furthermore, the hypothetical house was previously owned, and the buyer is not a first-time homeowner.

Average closing costs by state
StateOrigination feesThird-party feesOrigination + third-party fees
    
Average$951$1,133$2,084
Alabama$971$1,140$2,112
Alaska$905$1,233$2,138
Arizona$932$1,016$1,948
Arkansas$915$990$1,905
California$1,030$1,196$2,225
Colorado$967$979$1,946
Connecticut$949$1,327$2,275
Delaware$950$1,408$2,358
District of Columbia$945$1,106$2,052
Florida$1,050$1,157$2,206
Georgia$1,085$1,237$2,323
Hawaii$1,041$1,450$2,490
Idaho$951$1,073$2,023
Illinois$987$1,092$2,078
Indiana$962$1,083$2,045
Iowa$928$1,187$2,114
Kansas$903$1,055$1,957
Kentucky$949$958$1,907
Louisiana$939$1,217$2,156
Maine$969$1,199$2,168
Maryland$964$1,125$2,090
Massachusetts$939$1,334$2,274
Michigan$946$1,013$1,958
Minnesota$939$1,018$1,957
Mississippi$916$1,135$2,051
Missouri$894$1,033$1,927
Montana$927$1,067$1,994
Nebraska$893$999$1,892
Nevada$980$1,052$2,031
New Hampshire$963$1,085$2,048
New Jersey$863$1,312$2,175
New Mexico$881$1,170$2,051
New York$1,021$1,627$2,648
North Carolina$915$1,327$2,242
North Dakota$905$1,144$2,049
Ohio$965$1,066$2,031
Oklahoma$890$957$1,847
Oregon$990$1,132$2,122
Pennsylvania$973$762$1,734
Rhode Island$991$1,093$2,084
South Carolina$919$1,293$2,213
South Dakota$912$902$1,814
Tennessee$1,054$976$2,030
Texas$983$1,203$2,186
Utah$976$915$1,891
Vermont$967$1,197$2,164
Virginia$970$1,144$2,115
Washington$966$1,288$2,254
West Virginia$927$1,287$2,213
Wisconsin$902$916$1,817
Wyoming$881$1,097$1,978

Bankrate.com surveyed up to 10 lenders in each state in March and April 2017 and obtained online Loan Estimates for a $200,000 mortgage to buy a single-family home with a 20 percent down payment in a large city. Costs include fees charged by lenders, as well as third-party fees for services such as appraisals and credit reports. The survey excludes title insurance, title search, taxes, property insurance, association fees, interest and other prepaid items. The itemized average fees do not total to the average fees because the lenders' charges vary. For example, not all lenders charge a document preparation fee.

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