Which states have the lowest closing costs?

By dollar amount, the lowest average closing costs are South Dakota ($1,551), Iowa ($1,640), Missouri ($1,740), Indiana ($1,810), North Dakota ($2,243). By percent of price, the lowest are South Dakota (0.46%), Alaska (0.54%), North Carolina (0.56%), Colorado (0.59%), Montana (0.6%). These are surveyed state averages with taxes & recording included; your own costs vary by price, loan, lender and county.

Why are closing costs higher in some states?

Two big drivers are transfer/recording taxes (some states levy a percentage of the sale price, others none) and home prices (the same percentage on a pricier home is more dollars). States like Delaware, New York and DC combine high transfer taxes and high prices, pushing both the dollar figure and the percentage up.

Are these exact numbers for my purchase?

No. These are statewide averages including taxes and recording, for comparison. Actual closing costs depend on your purchase price, loan type, lender fees, title company, county and negotiation. Click a state for its estimator, then get a Loan Estimate from your lender for exact figures.

Average Closing Costs by State 2026 — All 50 States + DC (% and $)

Name: Average Closing Costs by State 2026 — All 50 States + DC (% and $)
Creator: Gera Tools
License: https://creativecommons.org/licenses/by/4.0/

Compare real surveyed average home closing costs across every US state: dollar amount and percent of price, side by side.

Average home closing costs for all 50 states + DC, dollar amount and as a percent of price (with taxes & recording). Real surveyed figures from Bankrate "Average closing costs by state in 2025" (data compiled by LodeStar Software Solutions), as of 2025-09-11. National average $4,661 (1.6% of price). Sort by cost or percent, or click any state for its closing-cost estimator. It runs free in your browser on Gera Tools, with nothing uploaded.

Last updated 18 June 2026 Source: Gera Tools

Which states have the highest closing costs?

By dollar amount (Bankrate "Average closing costs by state in 2025" (data compiled by LodeStar Software Solutions), as of 2025-09-11, with taxes & recording), the highest are District of Columbia ($17,545), New York ($13,738), Delaware ($12,157), Maryland ($9,218), Vermont ($8,597). By percent of home price, the highest are Delaware (2.99%), New York (2.47%), District of Columbia (2.39%), Pennsylvania (2.36%), Vermont (2.2%). The national average is $4,661, about 1.6% of price.

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Average Closing Costs by State

Closing costs — the fees, taxes and recording charges you pay to finalize a home purchase on top of the down payment — vary widely by state. The survey below puts the national average at $4,661 (about 1.6% of price) with taxes and recording included, but the state range runs from under $1,551 to over $17,000.

Source: Bankrate “Average closing costs by state in 2025” (data compiled by LodeStar Software Solutions).
As of: 2025-09-11 (methodology average home sale price $438,236; national average without taxes/recording $3,042).

Sort the table by what matters to you, and click any state for its closing-cost estimator.

Averages for comparison, not quotes. Property prices, loan type, lender fees, title company, county recording rules and negotiation all move the real number. Not a loan offer or tax advice.