Bankrate.com researchers gathered closing-cost information from at least four lenders in 50 states and the District of Columbia. In California, researchers also collected data separately for Los Angeles and San Francisco.
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 2008, Bankrate surveyed 56 areas, including three in California (Los Angeles, San Francisco, Sacramento), two in Illinois (Chicago and Springfield), and two in New York (New York City and Buffalo). In 2009, 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.
2009 Closing Costs Exclusive
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| 1 | 2 | Texas | $1,566 | $2,290 | $3,855 |
| 2 | 1 | New York - NYC | $1,038 | $1,999 | $3,368 |
| 3 | 4 | Florida | $1,369 | $1,999 | $3,368 |
| 4 | 11 | California - San Fran | $1,264 | $1,853 | $3,117 |
| 5 | 19 | Oregon | $1,310 | $1,750 | $3,059 |
| 6 | 9 | Alaska | $1,183 | $1,829 | $3,012 |
| 7 | 8 | Pennsylvania | $1,137 | $1,872 | $3,009 |
| 8 | 5 | Oklahoma | $1,238 | $1,748 | $2,986 |
| 9 | 12 | Ohio | $1,222 | $1,760 | $2,982 |
| 10 | 34 | Washington | $1,329 | $1,578 | $2,906 |
| 11 | 41* | North Dakota | $1,349 | $1,555 | $2,904 |
| 12 | 24 | Tennessee | $1,285 | $1,616 | $2,901 |
| 13 | 6 | New Mexico | $1,143 | $1,739 | $2,882 |
| 14 | 13 | California - Los Angeles | $1,264 | $1,597 | $2,861 |
| 15 | 35 | Virginia | $1,312 | $1,546 | $2,858 |
| 16 | 45 | Utah | $1,238 | $1,614 | $2,852 |
| 17 | 31 | Arkansas | $1,232 | $1,620 | $2,852 |
| 18 | 21* | Massachusetts | $1,132 | $1,689 | $2,822 |
| 19 | 17 | Michigan | $1,398 | $1,404 | $2,802 |
| 20 | 15 | West Virginia | $1,106 | $1,640 | $2,746 |
| 21 | 20 | Hawaii | $1,224 | $1,515 | $2,739 |
| 22 | 38 | Wisconsin | $1,430 | $1,304 | $2,734 |
| 23 | 32 | Louisiana | $1,082 | $1,637 | $2,720 |
| 24 | 16 | Connecticut | $1,188 | $1,512 | $2,700 |
| 25 | 30 | Mississippi | $1,229 | $1,459 | $2,689 |
| 26 | 25 | South Carolina | $1,159 | $1,528 | $2,687 |
| 27 | 29 | Idaho | $1,214 | $1,446 | $2,687 |
| 28 | 7 | New Jersey | $931 | $1,725 | $2,656 |
| 29 | 10 | Colorado | $1,161 | $1,494 | $2,655 |
| 30 | 21* | Alabama | $1,276 | $1,369 | $2,645 |
| 31 | 43 | Georgia | $1,151 | $1,487 | $2,638 |
| 32 | 52 | South Dakota | $1,369 | $1,256 | $2,625 |
| 33 | 36 | Montana | $1,287 | $1,324 | $2,611 |
| 34 | 50* | Wyoming | $1,346 | $1,256 | $2,602 |
| 35 | 26 | Delaware | $1,135 | $1,443 | $2,579 |
| 36 | 41* | New Hampshire | $1,147 | $1,428 | $2,575 |
| 37 | 37 | Iowa | $1,027 | $1,546 | $2,574 |
| 38 | 40 | Minnesota | $1,143 | $1,418 | $2,561 |
| 39 | 27 | Arizona | $1,088 | $1,453 | $2,541 |
| 40 | 23 | Maryland | $1,095 | $1,418 | $2,513 |
| 41 | 28 | District of Columbia | $1,117 | $1,384 | $2,502 |
| 42 | 39 | Rhode Island | $954 | $1,542 | $2,495 |
| 43 | 48 | Illinois | $1,279 | $1,207 | $2,486 |
| 44 | 14 | Kentucky | $1,071 | $1,401 | $2,472 |
| 45 | 44 | Nebraska | $1,167 | $1,286 | $2,453 |
| 46 | 56 | North Carolina | $1,155 | $1,278 | $2,433 |
| 47 | 54 | Missouri | $1,186 | $1,243 | $2,429 |
| 48 | 47 | Vermont | $1,040 | $1,386 | $2,426 |
| 49 | 53 | Maine | $1,097 | $1,322 | $2,419 |
| 50 | 46 | Indiana | $1,145 | $1,272 | $2,417 |
| 51 | 55 | Kansas | $1,019 | $1,341 | $2,361 |
| 52 | 33 | Nevada | $946 | $1,331 | $2,276 |