Closing Costs by State
Average mortgage closing costs across all 50 states plus D.C. (2025), from Bankrate. Closing costs are a one-time expense on top of your down payment — compare them alongside rate, points, and fees on your specific scenario.
| # | State | Avg. closing cost | % of home price |
|---|---|---|---|
| 1 | Washington, D.C. | $17,545 | 2.39% |
| 2 | New York | $13,738 | 2.47% |
| 3 | Delaware | $12,157 | 2.99% |
| 4 | Maryland | $9,218 | 2.03% |
| 5 | Vermont | $8,597 | 2.20% |
| 6 | Florida | $8,492 | 1.82% |
| 7 | Pennsylvania | $8,259 | 2.36% |
| 8 | New Hampshire | $7,034 | 1.34% |
| 9 | Virginia | $6,817 | 1.36% |
| 10 | Washington | $5,995 | 1.01% |
| 11 | California | $5,962 | 0.74% |
| 12 | Hawaii | $5,921 | 0.62% |
| 13 | New Jersey | $5,410 | 0.92% |
| 14 | Massachusetts | $5,112 | 0.81% |
| 15 | Georgia | $5,106 | 1.24% |
| 16 | Tennessee | $5,063 | 1.18% |
| 17 | Illinois | $4,702 | 1.30% |
| 18 | Connecticut | $4,249 | 0.93% |
| 19 | Nevada | $4,157 | 0.84% |
| 20 | Michigan | $4,138 | 1.08% |
| 21 | Utah | $3,997 | 0.72% |
| 22 | Rhode Island | $3,810 | 0.75% |
| 23 | Texas | $3,713 | 0.93% |
| 24 | Alaska | $3,683 | 0.54% |
| 25 | Arizona | $3,574 | 0.76% |
| 26 | Louisiana | $3,513 | 1.20% |
| 27 | Idaho | $3,497 | 0.70% |
| 28 | Minnesota | $3,492 | 0.91% |
| 29 | Colorado | $3,479 | 0.59% |
| 30 | Maine | $3,437 | 0.88% |
| 31 | Ohio | $3,394 | 1.07% |
| 32 | West Virginia | $3,272 | 1.14% |
| 33 | Oregon | $3,207 | 0.67% |
| 34 | Montana | $3,157 | 0.60% |
| 35 | Wyoming | $3,070 | 0.76% |
| 36 | New Mexico | $3,011 | 0.84% |
| 37 | Oklahoma | $2,896 | 1.08% |
| 38 | South Carolina | $2,883 | 0.65% |
| 39 | Alabama | $2,791 | 0.89% |
| 40 | Wisconsin | $2,741 | 0.76% |
| 41 | North Carolina | $2,480 | 0.56% |
| 42 | Kentucky | $2,475 | 0.91% |
| 43 | Arkansas | $2,440 | 0.84% |
| 44 | Kansas | $2,369 | 0.80% |
| 45 | Nebraska | $2,344 | 0.74% |
| 46 | Mississippi | $2,332 | 0.98% |
| 47 | North Dakota | $2,243 | 0.69% |
| 48 | Indiana | $1,810 | 0.70% |
| 49 | Missouri | $1,740 | 0.60% |
| 50 | Iowa | $1,640 | 0.64% |
| 51 | South Dakota | $1,551 | 0.46% |
At a Glance
- Washington, D.C. has the highest average closing costs at $17,545.
- South Dakota has the lowest at $1,551.
- Closing costs are negotiable in part — compare lender fees line by line, not just the rate.
Current
Latest published annual update:
Annual demographic and affordability datasets refresh on a slower release cycle than live rates.
Primary sources behind this page
- BankrateAccessed for source verification
Arjun Lalwani
NMLS #2753950Former Google product leader with expertise in marketplace systems. Recognized by the U.S. government for extraordinary ability in building and scaling marketplaces. Licensed mortgage professional bringing rigorous product execution to home financing.