Closing costs by state

What a seller and a buyer pay to close in every state, on a $400,000 home and at each state’s median home value. Free to use and download, as long as you credit us.

Updated October 1, 202650 states and DCCC BY 4.0

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$2,500
a typical seller’s closing costs on $400,000, before commissions
$6,130
a typical buyer’s closing costs on $400,000 with 20% down
$15,550
the most a buyer pays, in Delaware
$4,850
the least, in Texas

On a $400,000 home

Each side’s closing costs, before commissions. Point at a state for its breakdown, and click it to keep it open and go to its calculators.

AL$2.5kAlabama: $2,500 for the seller on $400,000AK$2.1kAlaska: $2,100 for the seller on $400,000AZ$2.1kArizona: $2,102 for the seller on $400,000AR$2.8kArkansas: $2,760 for the seller on $400,000CA$2.5kCalifornia: $2,540 for the seller on $400,000CO$2.1kColorado: $2,100 for the seller on $400,000CT$5.6kConnecticut: $5,600 for the seller on $400,000DE$9.6kDelaware: $9,600 for the seller on $400,000DC$6.5kDistrict of Columbia: $6,500 for the seller on $400,000FL$5.6kFlorida: $5,575 for the seller on $400,000GA$2kGeorgia: $2,000 for the seller on $400,000HI$1.8kHawaii: $1,800 for the seller on $400,000ID$2.1kIdaho: $2,100 for the seller on $400,000IL$3.6kIllinois: $3,600 for the seller on $400,000IN$2.1kIndiana: $2,100 for the seller on $400,000IA$1.3kIowa: $1,339 for the seller on $400,000KS$2.1kKansas: $2,100 for the seller on $400,000KY$1.1kKentucky: $1,100 for the seller on $400,000LA$1.6kLouisiana: $1,600 for the seller on $400,000ME$2.5kMaine: $2,480 for the seller on $400,000MD$5.1kMaryland: $5,100 for the seller on $400,000MA$3.4kMassachusetts: $3,424 for the seller on $400,000MI$5.5kMichigan: $5,540 for the seller on $400,000MN$2kMinnesota: $2,020 for the seller on $400,000MS$3kMississippi: $3,000 for the seller on $400,000MO$2.1kMissouri: $2,100 for the seller on $400,000MT$2.1kMontana: $2,100 for the seller on $400,000NE$3.4kNebraska: $3,428 for the seller on $400,000NV$3.7kNevada: $3,660 for the seller on $400,000NH$3.7kNew Hampshire: $3,700 for the seller on $400,000NJ$4.8kNew Jersey: $4,815 for the seller on $400,000NM$2.1kNew Mexico: $2,100 for the seller on $400,000NY$3.2kNew York: $3,200 for the seller on $400,000NC$2.4kNorth Carolina: $2,400 for the seller on $400,000ND$2.1kNorth Dakota: $2,100 for the seller on $400,000OH$3.7kOhio: $3,700 for the seller on $400,000OK$2.7kOklahoma: $2,700 for the seller on $400,000OR$2.1kOregon: $2,100 for the seller on $400,000PA$4.7kPennsylvania: $4,700 for the seller on $400,000RI$4.6kRhode Island: $4,600 for the seller on $400,000SC$3.1kSouth Carolina: $3,080 for the seller on $400,000SD$2.5kSouth Dakota: $2,500 for the seller on $400,000TN$2.1kTennessee: $2,100 for the seller on $400,000TX$3kTexas: $2,962 for the seller on $400,000UT$2.1kUtah: $2,100 for the seller on $400,000VT$1.6kVermont: $1,600 for the seller on $400,000VA$1.1kVirginia: $1,100 for the seller on $400,000WA$8.5kWashington: $8,500 for the seller on $400,000WV$2.9kWest Virginia: $2,920 for the seller on $400,000WI$3.3kWisconsin: $3,300 for the seller on $400,000WY$2.1kWyoming: $2,100 for the seller on $400,000

Sellers: title where they usually pay, settlement, recording and attorney fees, and their share of state taxes. Buyers: lender charges and appraisal, title, the same fees and their state taxes, with 20% down. Spot something out of date? Report a correction.

Highest and lowest

For sellers

Highest

  1. Delaware$9,600
  2. Washington$8,500
  3. District of Columbia$6,500
  4. Connecticut$5,600
  5. Florida$5,575

Lowest

  1. Virginia$1,100
  2. Kentucky$1,100
  3. Iowa$1,339
  4. Vermont$1,600
  5. Louisiana$1,600

For buyers

Highest

  1. Delaware$15,550
  2. District of Columbia$12,450
  3. Vermont$11,490
  4. Maryland$11,050
  5. Pennsylvania$10,650

Lowest

  1. Texas$4,850
  2. Wyoming$5,250
  3. Wisconsin$5,250
  4. Washington$5,250
  5. Utah$5,250

What makes the difference

Transfer taxes

The biggest single swing. On a $400,000 sale the state’s tax ranges from nothing in 15 states to $16,000 in Delaware, and who pays it follows each state’s custom. Every state’s transfer tax.

Taxes on the buyer’s loan or deed

10 places charge the buyer a tax of their own, on the mortgage or the deed: Alabama, District of Columbia, Florida, Georgia, Maryland, Minnesota, New York, Oklahoma, Tennessee and Virginia. New York’s mortgage recording tax and Florida’s stamps on the note are the best known.

Title insurance

Florida and Texas set title insurance prices by law, so every company charges the same. Elsewhere the price is a quote, and who buys the owner’s policy, buyer or seller, is local custom.

Attorneys

In 15 states an attorney usually handles the closing, which adds a fee for each side (estimated here at $900): Connecticut, Delaware, Georgia, Illinois, Louisiana, Maine, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, Vermont and West Virginia.

Every state

Each side’s closing costs on $400,000 and at the state’s median home value (Census Bureau, 2024). Each state’s name opens its seller net sheet; “Buyer” opens its closing costs.

How it was put together

The same engine as the calculators

Every figure is our seller net sheet and closing cost calculators run for each state, with the state’s rules: its taxes and who usually pays them, title insurance rates where the state sets them, who usually buys the owner’s policy, and whether an attorney closes.

What’s estimated

Fees no state sets use national estimates: a settlement fee of $600, recording of $100 for the seller and $250 for the buyer, an attorney at $900 where one closes, lender charges of 1% of the loan, an appraisal of $700, and title insurance at an estimated rate where the state doesn’t set it.

What’s left out

Commissions, the loan payoff and the property tax split at closing, which depend on the deal and the date. County and city taxes are included only where our rules name them; exemptions such as first-time buyer breaks aren’t applied.

Prepaids

The “with prepaids” column adds what buyers pay ahead at closing: prepaid interest, a year of homeowner’s insurance and the opening escrow deposit. They aren’t fees, but they’re part of the cash a buyer brings.

Keeping it current

The state rules are reviewed at least every six months and whenever a law changes, and dated changes are built in ahead of time. The date each state was last checked is in the downloads.

Corrections

If something looks wrong or out of date, email us with a source and we’ll check it.

Changelog

  • October 1, 2026First published: 50 states and DC.

Download and reuse it

Free under CC BY 4.0: copy it, share it and build on it, for any purpose, with credit to Broker & Agent Solutions and a link to this page. How to credit it, with credits to copy.

CSVOne row per state, 15 columns. Opens in any spreadsheet. JSONThe same rows, plus every national estimate the figures rest on.

Suggested citation

Broker & Agent Solutions. “Closing costs by U.S. state, 2026.” Updated October 1, 2026. https://brokerandagent.com/research/closing-costs-by-state. Licensed under CC BY 4.0.

What each column holds
state_code
Two-letter postal code
state
State name (the District of Columbia included)
seller_costs_400k
The seller’s closing costs on a $400,000 sale, in dollars: title where the seller usually pays, settlement, recording and attorney fees, and the seller’s share of state and local taxes. No commissions, payoff or property tax split.
seller_pct_400k
Those costs as a percent of the price
buyer_costs_400k
The buyer’s closing costs on $400,000 with 20% down: lender charges and appraisal, title, settlement, recording and attorney fees, and the buyer’s state taxes. No prepaids or escrow.
buyer_pct_400k
Those costs as a percent of the price
buyer_with_prepaids_400k
The buyer’s closing costs plus prepaid interest, a year of insurance and the opening escrow deposit
median_home_value_acs_2024
Median value of owner-occupied homes, Census ACS 2024 1-year (B25077)
seller_costs_median
The seller’s closing costs at that median value
buyer_costs_median
The buyer’s closing costs at that median value, 20% down
seller_biggest_state_cost
The largest state-set cost on the seller’s side at $400,000
buyer_biggest_state_cost
The largest state-set cost on the buyer’s side at $400,000
attorney_usually_closes
Whether an attorney usually handles the closing (adds an attorney fee estimate)
title_rates_set_by_state
Whether the state sets title insurance premiums
last_checked
When the state’s rules were last checked against their sources
ResearchTransfer tax by stateEvery state’s rate, who pays and the tax on a typical home. ResearchProperty taxes by stateWhat owners pay, the effective rate and how it’s split at closing.

Use it on a real home: seller net sheet, closing costs or mortgage payment, with every state’s rules built in.

Questions about closing costs

Which state has the highest closing costs?

On a $400,000 home, Delaware costs a buyer the most to close ($15,550 with 20% down) and Delaware costs a seller the most ($9,600 before commissions), mostly because of the state’s transfer tax. District of Columbia and Vermont follow on the buyer’s side.

Which state has the lowest closing costs?

For buyers, Texas ($4,850 on $400,000 with 20% down), where the buyer pays no state transfer or mortgage tax. For sellers, Virginia ($1,100).

Do these figures include commissions?

No. Commissions are whatever the seller and the agents agree, so they’re left out, along with the loan payoff and the property tax split at closing, which depend on the deal and the date rather than the state.

Why do closing costs vary so much by state?

Mostly taxes. A few states charge a transfer tax of 1% or more (Delaware, Pennsylvania and Washington lead on a $400,000 sale), some tax the buyer’s mortgage or deed, some set title insurance prices by law, and in 15 an attorney usually handles the closing.

How accurate are these numbers?

The state-set parts (taxes, title rates where a state sets them, who usually pays) come from each state’s statutes and agencies. The rest are national estimates, so a lender’s Loan Estimate or a title company’s quote will differ. For a particular home, use the calculators, which let you change every line.

Who pays closing costs, the buyer or the seller?

Both pay their own. Buyers usually pay more, because the lender’s charges, the lender’s title policy and any taxes on the mortgage are theirs. Sellers pay their share of the transfer tax, and in many states the owner’s title policy. Who pays which tax or policy follows each state’s custom, and the contract can change it.

Key terms on this page

Closing costsTransfer taxTitle insuranceSettlement statementEscrow accountLoan Estimate
The real estate glossary

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Further reading

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Transfer taxes in 2026: what every state charges to sell a home

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What is a seller net sheet, and how to read one (2026)

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