{
  "name": "Closing costs by U.S. state, 2026",
  "url": "https://brokerandagent.com/research/closing-costs-by-state",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "attribution": "Broker & Agent Solutions, “Closing costs by U.S. state, 2026”, https://brokerandagent.com/research/closing-costs-by-state",
  "published": "2026-10-01",
  "modified": "2026-10-01",
  "assumptions": {
    "price": 400000,
    "downPaymentPct": 20,
    "excluded": [
      "commissions",
      "loan payoffs",
      "the property tax split at closing",
      "county and city taxes not named in a state’s rules"
    ],
    "nationalEstimates": {
      "seller": {
        "listingPct": 3,
        "buyerAgentPct": 2.5,
        "settlementFee": 600,
        "attorneyFee": 900,
        "recordingFees": 100,
        "propertyTaxRate": 0.01,
        "titleRate": 0.0035,
        "titleMinimum": 500
      },
      "buyer": {
        "downPct": {
          "conventional": 20,
          "fha": 3.5,
          "va": 0,
          "cash": 100
        },
        "rate": 6.5,
        "termYears": 30,
        "lenderFeeRate": 0.01,
        "appraisal": 700,
        "lendersTitleRate": 0.0011,
        "lendersTitleMinimum": 500,
        "settlementFee": 600,
        "attorneyFee": 900,
        "recordingFees": 250,
        "insuranceRate": 0.005,
        "insuranceMinimum": 1500,
        "propertyTaxRate": 0.01,
        "taxEscrowMonths": 3,
        "insuranceEscrowMonths": 2,
        "inspection": 450,
        "pmiRate": 0.005
      }
    }
  },
  "states": [
    {
      "state_code": "AL",
      "state": "Alabama",
      "seller_costs_400k": 2500,
      "seller_pct_400k": 0.63,
      "buyer_costs_400k": 6130,
      "buyer_pct_400k": 1.53,
      "buyer_with_prepaids_400k": 10318,
      "median_home_value_acs_2024": 233300,
      "seller_costs_median": 1750,
      "buyer_costs_median": 4429,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "AK",
      "state": "Alaska",
      "seller_costs_400k": 2100,
      "seller_pct_400k": 0.53,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 376500,
      "seller_costs_median": 2018,
      "buyer_costs_median": 5062,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "AZ",
      "state": "Arizona",
      "seller_costs_400k": 2102,
      "seller_pct_400k": 0.53,
      "buyer_costs_400k": 5252,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9440,
      "median_home_value_acs_2024": 426000,
      "seller_costs_median": 2193,
      "buyer_costs_median": 5460,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "AR",
      "state": "Arkansas",
      "seller_costs_400k": 2760,
      "seller_pct_400k": 0.69,
      "buyer_costs_400k": 5910,
      "buyer_pct_400k": 1.48,
      "buyer_with_prepaids_400k": 10098,
      "median_home_value_acs_2024": 215600,
      "seller_costs_median": 1811,
      "buyer_costs_median": 4131,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Real property transfer tax (half) ($660)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "CA",
      "state": "California",
      "seller_costs_400k": 2540,
      "seller_pct_400k": 0.64,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 759500,
      "seller_costs_median": 4193,
      "buyer_costs_median": 8294,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "CO",
      "state": "Colorado",
      "seller_costs_400k": 2100,
      "seller_pct_400k": 0.53,
      "buyer_costs_400k": 5290,
      "buyer_pct_400k": 1.32,
      "buyer_with_prepaids_400k": 9478,
      "median_home_value_acs_2024": 574600,
      "seller_costs_median": 2711,
      "buyer_costs_median": 6710,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "CT",
      "state": "Connecticut",
      "seller_costs_400k": 5600,
      "seller_pct_400k": 1.4,
      "buyer_costs_400k": 7550,
      "buyer_pct_400k": 1.89,
      "buyer_with_prepaids_400k": 11738,
      "median_home_value_acs_2024": 396900,
      "seller_costs_median": 5569,
      "buyer_costs_median": 7514,
      "seller_biggest_state_cost": "Conveyance tax ($4000)",
      "buyer_biggest_state_cost": "Owner’s title insurance ($1400)",
      "attorney_usually_closes": true,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "DE",
      "state": "Delaware",
      "seller_costs_400k": 9600,
      "seller_pct_400k": 2.4,
      "buyer_costs_400k": 15550,
      "buyer_pct_400k": 3.89,
      "buyer_with_prepaids_400k": 19738,
      "median_home_value_acs_2024": 371600,
      "seller_costs_median": 9032,
      "buyer_costs_median": 14656,
      "seller_biggest_state_cost": "Realty transfer tax (half) ($8000)",
      "buyer_biggest_state_cost": "Realty transfer tax (half) ($8000)",
      "attorney_usually_closes": true,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "DC",
      "state": "District of Columbia",
      "seller_costs_400k": 6500,
      "seller_pct_400k": 1.63,
      "buyer_costs_400k": 12450,
      "buyer_pct_400k": 3.11,
      "buyer_with_prepaids_400k": 16638,
      "median_home_value_acs_2024": 733400,
      "seller_costs_median": 11334,
      "buyer_costs_median": 21263,
      "seller_biggest_state_cost": "Deed transfer tax ($5800)",
      "buyer_biggest_state_cost": "Deed recordation tax ($5800)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "FL",
      "state": "Florida",
      "seller_costs_400k": 5575,
      "seller_pct_400k": 1.39,
      "buyer_costs_400k": 6535,
      "buyer_pct_400k": 1.63,
      "buyer_with_prepaids_400k": 10723,
      "median_home_value_acs_2024": 396900,
      "seller_costs_median": 5538,
      "buyer_costs_median": 6496,
      "seller_biggest_state_cost": "Documentary stamp tax ($2800)",
      "buyer_biggest_state_cost": "Documentary stamps on the note ($1120)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": true,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "GA",
      "state": "Georgia",
      "seller_costs_400k": 2000,
      "seller_pct_400k": 0.5,
      "buyer_costs_400k": 8510,
      "buyer_pct_400k": 2.13,
      "buyer_with_prepaids_400k": 12698,
      "median_home_value_acs_2024": 343300,
      "seller_costs_median": 1943,
      "buyer_costs_median": 7722,
      "seller_biggest_state_cost": "Real estate transfer tax ($400)",
      "buyer_biggest_state_cost": "Owner’s title insurance ($1400)",
      "attorney_usually_closes": true,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "HI",
      "state": "Hawaii",
      "seller_costs_400k": 1800,
      "seller_pct_400k": 0.45,
      "buyer_costs_400k": 5950,
      "buyer_pct_400k": 1.49,
      "buyer_with_prepaids_400k": 10138,
      "median_home_value_acs_2024": 875900,
      "seller_costs_median": 3985,
      "buyer_costs_median": 10861,
      "seller_biggest_state_cost": "Owner’s title insurance (half) ($700)",
      "buyer_biggest_state_cost": "Owner’s title insurance (half) ($700)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "ID",
      "state": "Idaho",
      "seller_costs_400k": 2100,
      "seller_pct_400k": 0.53,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 446400,
      "seller_costs_median": 2262,
      "buyer_costs_median": 5621,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "IL",
      "state": "Illinois",
      "seller_costs_400k": 3600,
      "seller_pct_400k": 0.9,
      "buyer_costs_400k": 6150,
      "buyer_pct_400k": 1.54,
      "buyer_with_prepaids_400k": 10338,
      "median_home_value_acs_2024": 280700,
      "seller_costs_median": 3003,
      "buyer_costs_median": 5196,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": true,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "IN",
      "state": "Indiana",
      "seller_costs_400k": 2100,
      "seller_pct_400k": 0.53,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 243500,
      "seller_costs_median": 1552,
      "buyer_costs_median": 3998,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "IA",
      "state": "Iowa",
      "seller_costs_400k": 1339,
      "seller_pct_400k": 0.33,
      "buyer_costs_400k": 6650,
      "buyer_pct_400k": 1.66,
      "buyer_with_prepaids_400k": 10838,
      "median_home_value_acs_2024": 227300,
      "seller_costs_median": 1063,
      "buyer_costs_median": 4664,
      "seller_biggest_state_cost": "Real estate transfer tax ($639)",
      "buyer_biggest_state_cost": "Owner’s title insurance ($1400)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "KS",
      "state": "Kansas",
      "seller_costs_400k": 2100,
      "seller_pct_400k": 0.53,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 238700,
      "seller_costs_median": 1535,
      "buyer_costs_median": 3960,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "KY",
      "state": "Kentucky",
      "seller_costs_400k": 1100,
      "seller_pct_400k": 0.28,
      "buyer_costs_400k": 6650,
      "buyer_pct_400k": 1.66,
      "buyer_with_prepaids_400k": 10838,
      "median_home_value_acs_2024": 226000,
      "seller_costs_median": 926,
      "buyer_costs_median": 4649,
      "seller_biggest_state_cost": "Real estate transfer tax ($400)",
      "buyer_biggest_state_cost": "Owner’s title insurance ($1400)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "LA",
      "state": "Louisiana",
      "seller_costs_400k": 1600,
      "seller_pct_400k": 0.4,
      "buyer_costs_400k": 7550,
      "buyer_pct_400k": 1.89,
      "buyer_with_prepaids_400k": 11738,
      "median_home_value_acs_2024": 223200,
      "seller_costs_median": 1600,
      "buyer_costs_median": 5517,
      "seller_biggest_state_cost": "",
      "buyer_biggest_state_cost": "Owner’s title insurance ($1400)",
      "attorney_usually_closes": true,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "ME",
      "state": "Maine",
      "seller_costs_400k": 2480,
      "seller_pct_400k": 0.62,
      "buyer_costs_400k": 8430,
      "buyer_pct_400k": 2.11,
      "buyer_with_prepaids_400k": 12618,
      "median_home_value_acs_2024": 341900,
      "seller_costs_median": 2352,
      "buyer_costs_median": 7634,
      "seller_biggest_state_cost": "Real estate transfer tax (half) ($880)",
      "buyer_biggest_state_cost": "Owner’s title insurance ($1400)",
      "attorney_usually_closes": true,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "MD",
      "state": "Maryland",
      "seller_costs_400k": 5100,
      "seller_pct_400k": 1.27,
      "buyer_costs_400k": 11050,
      "buyer_pct_400k": 2.76,
      "buyer_with_prepaids_400k": 15238,
      "median_home_value_acs_2024": 436300,
      "seller_costs_median": 5500,
      "buyer_costs_median": 11867,
      "seller_biggest_state_cost": "State and county transfer tax (half) ($3000)",
      "buyer_biggest_state_cost": "State and county transfer tax (half) ($3000)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "MA",
      "state": "Massachusetts",
      "seller_costs_400k": 3424,
      "seller_pct_400k": 0.86,
      "buyer_costs_400k": 7550,
      "buyer_pct_400k": 1.89,
      "buyer_with_prepaids_400k": 11738,
      "median_home_value_acs_2024": 607400,
      "seller_costs_median": 4370,
      "buyer_costs_median": 9970,
      "seller_biggest_state_cost": "Deeds excise tax ($1824)",
      "buyer_biggest_state_cost": "Owner’s title insurance ($1400)",
      "attorney_usually_closes": true,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "MI",
      "state": "Michigan",
      "seller_costs_400k": 5540,
      "seller_pct_400k": 1.39,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 254200,
      "seller_costs_median": 3776,
      "buyer_costs_median": 4084,
      "seller_biggest_state_cost": "Real estate transfer tax ($3440)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "MN",
      "state": "Minnesota",
      "seller_costs_400k": 2020,
      "seller_pct_400k": 0.51,
      "buyer_costs_400k": 7386,
      "buyer_pct_400k": 1.85,
      "buyer_with_prepaids_400k": 11574,
      "median_home_value_acs_2024": 344600,
      "seller_costs_median": 1837,
      "buyer_costs_median": 6647,
      "seller_biggest_state_cost": "Deed tax ($1320)",
      "buyer_biggest_state_cost": "Owner’s title insurance ($1400)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "MS",
      "state": "Mississippi",
      "seller_costs_400k": 3000,
      "seller_pct_400k": 0.75,
      "buyer_costs_400k": 6150,
      "buyer_pct_400k": 1.54,
      "buyer_with_prepaids_400k": 10338,
      "median_home_value_acs_2024": 186500,
      "seller_costs_median": 2253,
      "buyer_costs_median": 4442,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": true,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "MO",
      "state": "Missouri",
      "seller_costs_400k": 2100,
      "seller_pct_400k": 0.53,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 254400,
      "seller_costs_median": 1590,
      "buyer_costs_median": 4085,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "MT",
      "state": "Montana",
      "seller_costs_400k": 2100,
      "seller_pct_400k": 0.53,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 425400,
      "seller_costs_median": 2189,
      "buyer_costs_median": 5453,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "NE",
      "state": "Nebraska",
      "seller_costs_400k": 3428,
      "seller_pct_400k": 0.86,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 263100,
      "seller_costs_median": 2494,
      "buyer_costs_median": 4155,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "NV",
      "state": "Nevada",
      "seller_costs_400k": 3660,
      "seller_pct_400k": 0.92,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 455500,
      "seller_costs_median": 4070,
      "buyer_costs_median": 5694,
      "seller_biggest_state_cost": "Real property transfer tax ($1560)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "NH",
      "state": "New Hampshire",
      "seller_costs_400k": 3700,
      "seller_pct_400k": 0.93,
      "buyer_costs_400k": 9650,
      "buyer_pct_400k": 2.41,
      "buyer_with_prepaids_400k": 13838,
      "median_home_value_acs_2024": 458800,
      "seller_costs_median": 4141,
      "buyer_costs_median": 10767,
      "seller_biggest_state_cost": "Real estate transfer tax (half) ($3000)",
      "buyer_biggest_state_cost": "Real estate transfer tax (half) ($3000)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "NJ",
      "state": "New Jersey",
      "seller_costs_400k": 4815,
      "seller_pct_400k": 1.2,
      "buyer_costs_400k": 7550,
      "buyer_pct_400k": 1.89,
      "buyer_with_prepaids_400k": 11738,
      "median_home_value_acs_2024": 496000,
      "seller_costs_median": 5737,
      "buyer_costs_median": 8654,
      "seller_biggest_state_cost": "Realty transfer fee ($3215)",
      "buyer_biggest_state_cost": "Owner’s title insurance ($1400)",
      "attorney_usually_closes": true,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "NM",
      "state": "New Mexico",
      "seller_costs_400k": 2100,
      "seller_pct_400k": 0.53,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 279900,
      "seller_costs_median": 1680,
      "buyer_costs_median": 4289,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "NY",
      "state": "New York",
      "seller_costs_400k": 3200,
      "seller_pct_400k": 0.8,
      "buyer_costs_400k": 9950,
      "buyer_pct_400k": 2.49,
      "buyer_with_prepaids_400k": 14138,
      "median_home_value_acs_2024": 449800,
      "seller_costs_median": 3399,
      "buyer_costs_median": 10821,
      "seller_biggest_state_cost": "Real estate transfer tax ($1600)",
      "buyer_biggest_state_cost": "Mortgage recording tax ($2400)",
      "attorney_usually_closes": true,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "NC",
      "state": "North Carolina",
      "seller_costs_400k": 2400,
      "seller_pct_400k": 0.6,
      "buyer_costs_400k": 7550,
      "buyer_pct_400k": 1.89,
      "buyer_with_prepaids_400k": 11738,
      "median_home_value_acs_2024": 333000,
      "seller_costs_median": 2266,
      "buyer_costs_median": 6780,
      "seller_biggest_state_cost": "Excise tax ($800)",
      "buyer_biggest_state_cost": "Owner’s title insurance ($1400)",
      "attorney_usually_closes": true,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "ND",
      "state": "North Dakota",
      "seller_costs_400k": 2100,
      "seller_pct_400k": 0.53,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 266100,
      "seller_costs_median": 1631,
      "buyer_costs_median": 4179,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "OH",
      "state": "Ohio",
      "seller_costs_400k": 3700,
      "seller_pct_400k": 0.93,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 239800,
      "seller_costs_median": 2498,
      "buyer_costs_median": 3968,
      "seller_biggest_state_cost": "Conveyance fee ($1600)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "OK",
      "state": "Oklahoma",
      "seller_costs_400k": 2700,
      "seller_pct_400k": 0.68,
      "buyer_costs_400k": 5570,
      "buyer_pct_400k": 1.39,
      "buyer_with_prepaids_400k": 9758,
      "median_home_value_acs_2024": 222100,
      "seller_costs_median": 1810,
      "buyer_costs_median": 4005,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "OR",
      "state": "Oregon",
      "seller_costs_400k": 2100,
      "seller_pct_400k": 0.53,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 497500,
      "seller_costs_median": 2441,
      "buyer_costs_median": 6030,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "PA",
      "state": "Pennsylvania",
      "seller_costs_400k": 4700,
      "seller_pct_400k": 1.18,
      "buyer_costs_400k": 10650,
      "buyer_pct_400k": 2.66,
      "buyer_with_prepaids_400k": 14838,
      "median_home_value_acs_2024": 277600,
      "seller_costs_median": 3476,
      "buyer_costs_median": 8019,
      "seller_biggest_state_cost": "Realty transfer tax (half) ($4000)",
      "buyer_biggest_state_cost": "Realty transfer tax (half) ($4000)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "RI",
      "state": "Rhode Island",
      "seller_costs_400k": 4600,
      "seller_pct_400k": 1.15,
      "buyer_costs_400k": 7550,
      "buyer_pct_400k": 1.89,
      "buyer_with_prepaids_400k": 11738,
      "median_home_value_acs_2024": 455700,
      "seller_costs_median": 5018,
      "buyer_costs_median": 8191,
      "seller_biggest_state_cost": "Real estate conveyance tax ($3000)",
      "buyer_biggest_state_cost": "Owner’s title insurance ($1400)",
      "attorney_usually_closes": true,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "SC",
      "state": "South Carolina",
      "seller_costs_400k": 3080,
      "seller_pct_400k": 0.77,
      "buyer_costs_400k": 7550,
      "buyer_pct_400k": 1.89,
      "buyer_with_prepaids_400k": 11738,
      "median_home_value_acs_2024": 299500,
      "seller_costs_median": 2708,
      "buyer_costs_median": 6394,
      "seller_biggest_state_cost": "Deed recording fee ($1480)",
      "buyer_biggest_state_cost": "Owner’s title insurance ($1400)",
      "attorney_usually_closes": true,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "SD",
      "state": "South Dakota",
      "seller_costs_400k": 2500,
      "seller_pct_400k": 0.63,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 289600,
      "seller_costs_median": 2004,
      "buyer_costs_median": 4367,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "TN",
      "state": "Tennessee",
      "seller_costs_400k": 2100,
      "seller_pct_400k": 0.53,
      "buyer_costs_400k": 7096,
      "buyer_pct_400k": 1.77,
      "buyer_with_prepaids_400k": 11284,
      "median_home_value_acs_2024": 332600,
      "seller_costs_median": 1864,
      "buyer_costs_median": 6246,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Recordation tax ($1480)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "TX",
      "state": "Texas",
      "seller_costs_400k": 2962,
      "seller_pct_400k": 0.74,
      "buyer_costs_400k": 4850,
      "buyer_pct_400k": 1.21,
      "buyer_with_prepaids_400k": 9038,
      "median_home_value_acs_2024": 313200,
      "seller_costs_median": 2533,
      "buyer_costs_median": 4156,
      "seller_biggest_state_cost": "Owner’s title insurance ($2262)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($100)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": true,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "UT",
      "state": "Utah",
      "seller_costs_400k": 2100,
      "seller_pct_400k": 0.53,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 545200,
      "seller_costs_median": 2608,
      "buyer_costs_median": 6412,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "VT",
      "state": "Vermont",
      "seller_costs_400k": 1600,
      "seller_pct_400k": 0.4,
      "buyer_costs_400k": 11490,
      "buyer_pct_400k": 2.87,
      "buyer_with_prepaids_400k": 15678,
      "median_home_value_acs_2024": 352800,
      "seller_costs_median": 1600,
      "buyer_costs_median": 10253,
      "seller_biggest_state_cost": "",
      "buyer_biggest_state_cost": "Property transfer tax ($3940)",
      "attorney_usually_closes": true,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "VA",
      "state": "Virginia",
      "seller_costs_400k": 1100,
      "seller_pct_400k": 0.28,
      "buyer_costs_400k": 9050,
      "buyer_pct_400k": 2.26,
      "buyer_with_prepaids_400k": 13238,
      "median_home_value_acs_2024": 403500,
      "seller_costs_median": 1104,
      "buyer_costs_median": 9111,
      "seller_biggest_state_cost": "Grantor tax ($400)",
      "buyer_biggest_state_cost": "Owner’s title insurance ($1400)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "WA",
      "state": "Washington",
      "seller_costs_400k": 8500,
      "seller_pct_400k": 2.13,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 602200,
      "seller_costs_median": 12582,
      "buyer_costs_median": 6898,
      "seller_biggest_state_cost": "Real estate excise tax ($6400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "WV",
      "state": "West Virginia",
      "seller_costs_400k": 2920,
      "seller_pct_400k": 0.73,
      "buyer_costs_400k": 7550,
      "buyer_pct_400k": 1.89,
      "buyer_with_prepaids_400k": 11738,
      "median_home_value_acs_2024": 170800,
      "seller_costs_median": 2164,
      "buyer_costs_median": 4914,
      "seller_biggest_state_cost": "Excise tax ($1320)",
      "buyer_biggest_state_cost": "Owner’s title insurance ($1400)",
      "attorney_usually_closes": true,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "WI",
      "state": "Wisconsin",
      "seller_costs_400k": 3300,
      "seller_pct_400k": 0.82,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 294700,
      "seller_costs_median": 2615,
      "buyer_costs_median": 4408,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    },
    {
      "state_code": "WY",
      "state": "Wyoming",
      "seller_costs_400k": 2100,
      "seller_pct_400k": 0.53,
      "buyer_costs_400k": 5250,
      "buyer_pct_400k": 1.31,
      "buyer_with_prepaids_400k": 9438,
      "median_home_value_acs_2024": 339500,
      "seller_costs_median": 1888,
      "buyer_costs_median": 4766,
      "seller_biggest_state_cost": "Owner’s title insurance ($1400)",
      "buyer_biggest_state_cost": "Lender’s title insurance ($500)",
      "attorney_usually_closes": false,
      "title_rates_set_by_state": false,
      "last_checked": "2026-09-30"
    }
  ]
}