Ralo data
Closing Costs by State
Average mortgage closing costs across all 50 states plus D.C. for 2025, from Bankrate, with each state's figure as a share of its typical home price. Closing costs are a one-time expense on top of the down payment, and the lender's part of them is negotiable: compare them line by line on the Loan Estimate alongside the rate and points, not just the headline rate.
Highest
Washington, D.C.
Lowest
South Dakota
California · where Ralo is licensed
0.75% of home price
Texas · where Ralo is licensed
0.93% of home price
Colorado · where Ralo is licensed
0.50% of home price
All states, highest to lowest
| # | State | Avg. closing cost | % of home price |
|---|---|---|---|
| 1 | Washington, D.C. | $13,836 | 2.24% |
| 2 | Delaware | $12,707 | 3.06% |
| 3 | New York | $12,418 | 2.32% |
| 4 | Maryland | $9,486 | 2.02% |
| 5 | Vermont | $9,164 | 2.34% |
| 6 | Pennsylvania | $8,366 | 2.33% |
| 7 | Florida | $8,128 | 1.76% |
| 8 | Virginia | $7,294 | 1.39% |
| 9 | New Hampshire | $6,445 | 1.29% |
| 10 | Hawaii | $5,977 | 0.65% |
| 11 | California | $5,577 | 0.75% |
| 12 | New Jersey | $5,382 | 0.87% |
| 13 | Washington | $5,261 | 0.86% |
| 14 | Tennessee | $5,184 | 1.20% |
| 15 | Illinois | $4,974 | 1.41% |
| 16 | Georgia | $4,944 | 1.25% |
| 17 | Massachusetts | $4,759 | 0.78% |
| 18 | Connecticut | $4,222 | 0.87% |
| 19 | Nevada | $4,159 | 0.81% |
| 20 | Utah | $4,143 | 0.72% |
| 21 | Michigan | $3,907 | 1.09% |
| 22 | Texas | $3,754 | 0.93% |
| 23 | Rhode Island | $3,719 | 0.67% |
| 24 | Maine | $3,662 | 0.86% |
| 25 | Arizona | $3,507 | 0.73% |
| 26 | Louisiana | $3,492 | 1.17% |
| 27 | Oregon | $3,398 | 0.66% |
| 28 | Idaho | $3,351 | 0.64% |
| 29 | Minnesota | $3,282 | 0.83% |
| 30 | West Virginia | $3,238 | 1.16% |
| 31 | Ohio | $3,187 | 1.06% |
| 32 | Montana | $3,173 | 0.67% |
| 33 | Wyoming | $3,046 | 0.65% |
| 34 | New Mexico | $2,980 | 0.82% |
| 35 | Oklahoma | $2,979 | 1.09% |
| 36 | Alaska | $2,946 | 0.72% |
| 37 | Alabama | $2,867 | 0.90% |
| 38 | Wisconsin | $2,789 | 0.78% |
| 39 | South Carolina | $2,753 | 0.68% |
| 40 | Colorado | $2,737 | 0.50% |
| 41 | Arkansas | $2,666 | 0.87% |
| 42 | Kentucky | $2,608 | 0.90% |
| 43 | North Carolina | $2,462 | 0.58% |
| 44 | Kansas | $2,435 | 0.81% |
| 45 | Mississippi | $2,366 | 0.96% |
| 46 | Nebraska | $2,299 | 0.71% |
| 47 | North Dakota | $2,228 | 0.68% |
| 48 | Indiana | $1,980 | 0.69% |
| 49 | Missouri | $1,748 | 0.58% |
| 50 | Iowa | $1,541 | 0.56% |
| 51 | South Dakota | $1,386 | 0.39% |
Averages include transfer taxes where a state levies them, which is why the share of home price varies far more than the dollar figure. Source: Bankrate.
At a Glance
- Washington, D.C. has the highest average closing costs at $13,836.
- South Dakota has the lowest at $1,386.
- Closing costs are negotiable in part — compare lender fees line by line, not just the rate.
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.