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States with the Lowest Closing Costs in Dollars (2026)

While closing cost percentages tell part of the story, the actual dollar amount you need at closing is what hits your bank account. States with lower home prices and minimal transfer taxes consistently deliver the lowest out-of-pocket closing costs. Here are all 50 states ranked by average closing cost in dollars.

1
South Dakota
Median: $295KTax: 1.22%Insurance: $2,300/yr
$2,065
Avg. Closing Cost
2
Iowa
Median: $210KTax: 1.52%Insurance: $1,800/yr
$2,100
Avg. Closing Cost
3
Missouri
Median: $235KTax: 0.97%Insurance: $2,200/yr
$2,115
Avg. Closing Cost
4
West Virginia
Median: $155KTax: 0.58%Insurance: $1,400/yr
$2,325
Avg. Closing Cost
5
Mississippi
Median: $175KTax: 0.8%Insurance: $2,400/yr
$2,450
Avg. Closing Cost
6
Indiana
Median: $240KTax: 0.84%Insurance: $1,700/yr
$2,640
Avg. Closing Cost
7
Oklahoma
Median: $210KTax: 0.88%Insurance: $3,600/yr
$2,730
Avg. Closing Cost
8
North Dakota
Median: $255KTax: 0.98%Insurance: $2,100/yr
$2,805
Avg. Closing Cost
9
Arkansas
Median: $195KTax: 0.62%Insurance: $2,500/yr
$2,925
Avg. Closing Cost
10
Kansas
Median: $225KTax: 1.41%Insurance: $2,900/yr
$2,925
Avg. Closing Cost
11
Kentucky
Median: $210KTax: 0.83%Insurance: $2,400/yr
$2,940
Avg. Closing Cost
12
Ohio
Median: $215KTax: 1.56%Insurance: $1,400/yr
$3,010
Avg. Closing Cost
13
Louisiana
Median: $195KTax: 0.55%Insurance: $3,500/yr
$3,120
Avg. Closing Cost
14
Nebraska
Median: $245KTax: 1.73%Insurance: $2,800/yr
$3,185
Avg. Closing Cost
15
Alabama
Median: $230KTax: 0.41%Insurance: $1,950/yr
$3,220
Avg. Closing Cost
16
Michigan
Median: $240KTax: 1.54%Insurance: $1,800/yr
$3,600
Avg. Closing Cost
17
Wyoming
Median: $340KTax: 0.61%Insurance: $1,800/yr
$3,740
Avg. Closing Cost
18
New Mexico
Median: $280KTax: 0.8%Insurance: $1,900/yr
$3,920
Avg. Closing Cost
19
Wisconsin
Median: $280KTax: 1.76%Insurance: $1,300/yr
$3,920
Avg. Closing Cost
20
South Carolina
Median: $305KTax: 0.57%Insurance: $2,600/yr
$3,965
Avg. Closing Cost
21
Minnesota
Median: $335KTax: 1.12%Insurance: $2,100/yr
$4,690
Avg. Closing Cost
22
North Carolina
Median: $340KTax: 0.78%Insurance: $2,300/yr
$4,760
Avg. Closing Cost
23
Pennsylvania
Median: $280KTax: 1.36%Insurance: $1,400/yr
$4,760
Avg. Closing Cost
24
Georgia
Median: $340KTax: 0.92%Insurance: $2,200/yr
$5,100
Avg. Closing Cost
25
Tennessee
Median: $340KTax: 0.56%Insurance: $2,400/yr
$5,100
Avg. Closing Cost
26
Maine
Median: $350KTax: 1.3%Insurance: $1,300/yr
$5,250
Avg. Closing Cost
27
Texas
Median: $310KTax: 1.8%Insurance: $3,800/yr
$5,270
Avg. Closing Cost
28
Illinois
Median: $270KTax: 2.07%Insurance: $1,900/yr
$5,400
Avg. Closing Cost
29
Virginia
Median: $400KTax: 0.82%Insurance: $1,700/yr
$6,000
Avg. Closing Cost
30
Arizona
Median: $380KTax: 0.62%Insurance: $2,100/yr
$6,080
Avg. Closing Cost
31
Vermont
Median: $380KTax: 1.9%Insurance: $1,100/yr
$6,080
Avg. Closing Cost
32
Utah
Median: $480KTax: 0.58%Insurance: $1,200/yr
$6,240
Avg. Closing Cost
33
Alaska
Median: $350KTax: 1.19%Insurance: $1,400/yr
$6,300
Avg. Closing Cost
34
Idaho
Median: $420KTax: 0.63%Insurance: $1,600/yr
$6,300
Avg. Closing Cost
35
Nevada
Median: $425KTax: 0.53%Insurance: $1,700/yr
$6,375
Avg. Closing Cost
36
Montana
Median: $430KTax: 0.74%Insurance: $2,100/yr
$6,450
Avg. Closing Cost
37
Oregon
Median: $480KTax: 0.93%Insurance: $1,400/yr
$6,720
Avg. Closing Cost
38
New Hampshire
Median: $430KTax: 2.09%Insurance: $1,400/yr
$6,880
Avg. Closing Cost
39
Florida
Median: $395KTax: 0.86%Insurance: $4,200/yr
$7,110
Avg. Closing Cost
40
Rhode Island
Median: $425KTax: 1.53%Insurance: $2,200/yr
$7,225
Avg. Closing Cost
41
Colorado
Median: $520KTax: 0.51%Insurance: $3,200/yr
$7,280
Avg. Closing Cost
42
Washington
Median: $580KTax: 0.98%Insurance: $1,600/yr
$8,120
Avg. Closing Cost
43
Connecticut
Median: $405KTax: 2.15%Insurance: $2,100/yr
$8,505
Avg. Closing Cost
44
California
Median: $785KTax: 0.73%Insurance: $2,200/yr
$9,420
Avg. Closing Cost
45
Massachusetts
Median: $595KTax: 1.2%Insurance: $2,200/yr
$9,520
Avg. Closing Cost
46
New Jersey
Median: $505KTax: 2.47%Insurance: $1,500/yr
$10,100
Avg. Closing Cost
47
Maryland
Median: $420KTax: 1.09%Insurance: $1,700/yr
$10,500
Avg. Closing Cost
48
Delaware
Median: $355KTax: 0.56%Insurance: $1,300/yr
$11,715
Avg. Closing Cost
49
New York
Median: $430KTax: 1.72%Insurance: $2,100/yr
$12,040
Avg. Closing Cost
50
Hawaii
Median: $830KTax: 0.28%Insurance: $1,200/yr
$12,450
Avg. Closing Cost
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