Original data · 2026
Average Closing Costs by State (2026)
National average mortgage closing costs were $4,528 in 2025 (1.06% of sale price). State-by-state comparison: Delaware is highest at 3.06%, South Dakota lowest at 0.46%.
National average
Average purchase closing costs were $4,528 in 2025, down 2.9% from $4,661 in 2024, equal to 1.06% of the sale price (median 0.88%). Closing costs typically range from 0.5% to 3% of the purchase price. Twenty-eight states saw costs decrease while 23 saw them rise, driven mostly by home-price movement affecting transfer taxes.
Closing costs by state
| State | % of sale price | Est. dollars |
|---|---|---|
| Delaware | 3.06% | $12,541 |
| New York | 2.89% | $11,844 |
| Pennsylvania | 2.79% | $11,435 |
| Washington, D.C. | 2.39% | $9,795 |
| Vermont | 2.10% | $8,607 |
| Maryland | 2.25% | $9,221 |
| New Jersey | 2.15% | $8,812 |
| Connecticut | 1.95% | $7,992 |
| Massachusetts | 1.90% | $7,787 |
| Rhode Island | 1.82% | $7,459 |
| Virginia | 1.75% | $7,172 |
| California | 1.72% | $7,049 |
| Hawaii | 1.70% | $6,967 |
| Washington | 1.65% | $6,762 |
| Oregon | 1.60% | $6,557 |
| Illinois | 1.58% | $6,475 |
| Nevada | 1.55% | $6,353 |
| Colorado | 1.52% | $6,230 |
| Florida | 1.50% | $6,148 |
| Texas | 1.48% | $6,066 |
| Arizona | 1.45% | $5,943 |
| Georgia | 1.43% | $5,861 |
| North Carolina | 0.56% | $2,295 |
| Ohio | 1.35% | $5,533 |
| Michigan | 1.32% | $5,410 |
| Minnesota | 1.30% | $5,328 |
| Wisconsin | 1.28% | $5,246 |
| Missouri | 1.25% | $5,123 |
| Indiana | 1.22% | $5,000 |
| Tennessee | 1.20% | $4,918 |
| Kentucky | 1.18% | $4,836 |
| South Carolina | 1.15% | $4,713 |
| Louisiana | 1.12% | $4,590 |
| Alabama | 1.10% | $4,508 |
| Mississippi | 1.08% | $4,426 |
| Arkansas | 1.05% | $4,303 |
| Oklahoma | 1.02% | $4,180 |
| Iowa | 0.95% | $3,893 |
| Kansas | 0.92% | $3,771 |
| Nebraska | 0.88% | $3,607 |
| Utah | 0.85% | $3,484 |
| Idaho | 0.82% | $3,361 |
| Wyoming | 0.78% | $3,197 |
| Montana | 0.75% | $3,074 |
| North Dakota | 0.70% | $2,869 |
| South Dakota | 0.46% | $1,885 |
| Alaska | 0.54% | $2,213 |
| West Virginia | 0.80% | $3,279 |
| New Mexico | 1.00% | $4,098 |
| Maine | 1.30% | $5,328 |
| New Hampshire | 1.40% | $5,738 |
Dollar estimates use the national median home price of $409,839. Your actual costs depend on your purchase price, lender fees, title company, and local recording charges. Download the CSV →
You may republish these figures with attribution and a link back to this page.
How we compared
Data is from LodeStar Software Solutions' 2024 vs 2025 Year-Over-Year Closing Cost Report (published June 30, 2026), which analyzed distinct mortgage quotes across all 50 states and Washington, D.C. Dollar estimates at the national median home price are our own calculation from the reported percentages. Figures are planning estimates, not a loan estimate — verify with your lender.
Frequently asked questions
How much are closing costs in 2026?
The national average purchase closing cost was $4,528 in 2025, equal to 1.06% of the sale price (median 0.88%). Most buyers pay between 0.5% and 3% of the purchase price, depending on state transfer taxes, title insurance, and lender fees.
Which state has the highest closing costs?
Delaware has the highest closing costs as a percentage of sale price at 3.06%, driven largely by transfer taxes. New York, Pennsylvania, Washington D.C., and Vermont follow.
Which state has the lowest closing costs?
South Dakota has the lowest at 0.46% of sale price, followed by Alaska (0.54%) and North Carolina (0.56%). States without transfer taxes or with minimal transfer taxes tend to have the lowest closing costs.
What do closing costs include?
Typical buyer closing costs include lender origination fees, appraisal, title search and insurance, escrow/settlement fees, recording fees, and transfer taxes. Sellers may pay separate transfer taxes and commission.
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Closing Cost Calculator · Mortgage Payment Calculator · Mortgage Affordability · Buying a home topic