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Average mortgage closing costs by state

A single-family home with yard and fence
Chiyacat/Getty Images
A single-family home with yard and fence
Chiyacat/Getty Images
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Buying a home is one of the biggest investments you may ever make, but the price doesn’t offer the complete picture of how much you’ll need to get the keys. You’ll also have to account for closing costs, which are the fees associated with getting a mortgage, like appraisal and credit check fees. There is no one-size-fits-all for closing costs; they vary by lender and the other companies providing services you need to close your mortgage, such as title insurance. One other big factor that impacts your closing cost tab: where you’re buying.

Average closing costs on a home by state

Here are the average closing costs by state as of 2021 (in order of highest closing costs for a purchase), according to ClosingCorp:

State Closing costs for home purchase (including taxes) Closing costs for refinancing (including taxes)
Source: ClosingCorp
Washington, D.C. $29,888 $3,370
Delaware $17,859 $7,223
New York $16,849 $10,084
Maryland $14,721 $4,096
Washington $13,927 $3,824
Pennsylvania $10,634 $7,614
Connecticut $8,821 $2,678
Florida $8,554 $5,821
New Hampshire $8,183 $2,283
Massachusetts $7,964 $2,486
California $7,953 $5,762
New Jersey $7,915 $4,963
Vermont $7,906 $2,356
Hawaii $7,463 $4,730
Nevada $6,383 $3,586
Virginia $6,346 $3,230
Illinois $5,929 $2,066
Michigan $5,714 $3,011
Rhode Island $5,568 $2,037
Utah $4,837 $2,380
Arizona $4,701 $1,798
Texas $4,548 $3,588
Maine $4,420 $2,944
Oregon $4,327 $3,271
Ohio $4,223 $2,091
Idaho $4,082 $3,253
Minnesota $4,011 $2,369
Tennessee $3,911 $2,436
Colorado $3,881 $2,266
Georgia $3,762 $2,727
Louisiana $3,711 $2,523
Alaska $3,581 $2,671
New Mexico $3,513 $2,693
Wisconsin $3,459 $2,067
South Carolina $3,447 $3,009
North Carolina $3,406 $2,660
West Virginia $3,406 $3,370
Montana $3,337 $2,657
Iowa $3,146 $2,043
Arkansas $3,115 $2,223
South Dakota $3,105 $2,388
Alabama $2,986 $1,914
Oklahoma $2,893 $2,918
Kentucky $2,802 $1,907
Kansas $2,793 $2,150
Nebraska $2,781 $2,038
Mississippi $2,756 $1,810
Wyoming $2,589 $2,069
North Dakota $2,501 $2,067
Indiana $2,200 $1,447
Missouri $2,061 $1,405

What are closing costs?

Closing costs are the upfront fees you pay when obtaining a mortgage. In 2021, the average closing costs nationally for the purchase of a single-family home were $6,905 including taxes and $3,860 without, according to ClosingCorp.

In general, closing costs cover:

  • Credit check
  • Title search and insurance
  • Appraisal
  • Attorney’s fees
  • Origination fee
  • Application fee
  • Underwriting fee
  • Transfer taxes, if applicable

Together, these typically range between 2 percent to 5 percent of the amount you’re borrowing for your mortgage.

You’ll also pay closing costs when you refinance your mortgage. Those costs, however, tend to be much lower: ClosingCorp reported an average of just $2,375 for refinance closing costs last year.

States with no transfer taxes

One of the expenses that adds to closing costs: real estate transfer taxes, which cover the cost of transferring a title or deed from the seller to the buyer. These states have no transfer taxes:

  • Alaska
  • Idaho
  • Indiana
  • Louisiana
  • Kansas
  • Mississippi
  • Missouri
  • Montana
  • New Mexico
  • North Dakota
  • Oregon (unless you’re buying in Washington County)
  • Texas
  • Utah
  • Wyoming
Top 5 markets with highest average closing costs (with taxes)
Source: ClosingCorp
1. Vineyard Haven, Massachusetts $28,724
2. Bremerton-Silverdale-Port Orchard, Washington $16,003
3. Salisbury, Maryland-Delaware $15,723
4. Dover, Delaware $13,799
5. New York-Newark-Jersey City, New York, New Jersey, Pennsylvania $13,596
Top 5 markets with highest average closing costs (without taxes)
Source: ClosingCorp
1. Santa Maria-Santa Barbara, California $7,063
2. Kahului-Wailuku-Lahaina, Hawaii $7,016
3. San Jose-Sunnyvale-Santa Clara, California $6,412
4. Santa Cruz-Watsonville, California $6,363
5. Stockton, California $6,137
Written by
David McMillin
Contributing writer
David McMillin is a contributing writer for Bankrate and covers topics like credit cards, mortgages, banking, taxes and travel. David's goal is to help readers figure out how to save more and stress less.
Edited by
Mortgage editor
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Part of  Guide to Closing Costs