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

2009 2008 State or city Origination fee Title and closing fee Total
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

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