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States with the Highest Closing Costs by Percentage (2026)

Some states pile on significantly higher closing costs due to transfer taxes, mandatory attorney involvement, and title insurance requirements. If you are buying in one of these states, budgeting extra for closing day is essential. Here are the states ranked from highest to lowest closing cost percentage.

1
Delaware
Median: $355KTax: 0.56%Insurance: $1,300/yr
3.3%
Closing Cost %
2
New York
Median: $430KTax: 1.72%Insurance: $2,100/yr
2.8%
Closing Cost %
3
Maryland
Median: $420KTax: 1.09%Insurance: $1,700/yr
2.5%
Closing Cost %
4
Connecticut
Median: $405KTax: 2.15%Insurance: $2,100/yr
2.1%
Closing Cost %
5
Illinois
Median: $270KTax: 2.07%Insurance: $1,900/yr
2%
Closing Cost %
6
New Jersey
Median: $505KTax: 2.47%Insurance: $1,500/yr
2%
Closing Cost %
7
Alaska
Median: $350KTax: 1.19%Insurance: $1,400/yr
1.8%
Closing Cost %
8
Florida
Median: $395KTax: 0.86%Insurance: $4,200/yr
1.8%
Closing Cost %
9
Pennsylvania
Median: $280KTax: 1.36%Insurance: $1,400/yr
1.7%
Closing Cost %
10
Rhode Island
Median: $425KTax: 1.53%Insurance: $2,200/yr
1.7%
Closing Cost %
11
Texas
Median: $310KTax: 1.8%Insurance: $3,800/yr
1.7%
Closing Cost %
12
Arizona
Median: $380KTax: 0.62%Insurance: $2,100/yr
1.6%
Closing Cost %
13
Louisiana
Median: $195KTax: 0.55%Insurance: $3,500/yr
1.6%
Closing Cost %
14
Massachusetts
Median: $595KTax: 1.2%Insurance: $2,200/yr
1.6%
Closing Cost %
15
New Hampshire
Median: $430KTax: 2.09%Insurance: $1,400/yr
1.6%
Closing Cost %
16
Vermont
Median: $380KTax: 1.9%Insurance: $1,100/yr
1.6%
Closing Cost %
17
Arkansas
Median: $195KTax: 0.62%Insurance: $2,500/yr
1.5%
Closing Cost %
18
Georgia
Median: $340KTax: 0.92%Insurance: $2,200/yr
1.5%
Closing Cost %
19
Hawaii
Median: $830KTax: 0.28%Insurance: $1,200/yr
1.5%
Closing Cost %
20
Idaho
Median: $420KTax: 0.63%Insurance: $1,600/yr
1.5%
Closing Cost %
21
Maine
Median: $350KTax: 1.3%Insurance: $1,300/yr
1.5%
Closing Cost %
22
Michigan
Median: $240KTax: 1.54%Insurance: $1,800/yr
1.5%
Closing Cost %
23
Montana
Median: $430KTax: 0.74%Insurance: $2,100/yr
1.5%
Closing Cost %
24
Nevada
Median: $425KTax: 0.53%Insurance: $1,700/yr
1.5%
Closing Cost %
25
Tennessee
Median: $340KTax: 0.56%Insurance: $2,400/yr
1.5%
Closing Cost %
26
Virginia
Median: $400KTax: 0.82%Insurance: $1,700/yr
1.5%
Closing Cost %
27
West Virginia
Median: $155KTax: 0.58%Insurance: $1,400/yr
1.5%
Closing Cost %
28
Alabama
Median: $230KTax: 0.41%Insurance: $1,950/yr
1.4%
Closing Cost %
29
Colorado
Median: $520KTax: 0.51%Insurance: $3,200/yr
1.4%
Closing Cost %
30
Kentucky
Median: $210KTax: 0.83%Insurance: $2,400/yr
1.4%
Closing Cost %
31
Minnesota
Median: $335KTax: 1.12%Insurance: $2,100/yr
1.4%
Closing Cost %
32
Mississippi
Median: $175KTax: 0.8%Insurance: $2,400/yr
1.4%
Closing Cost %
33
New Mexico
Median: $280KTax: 0.8%Insurance: $1,900/yr
1.4%
Closing Cost %
34
North Carolina
Median: $340KTax: 0.78%Insurance: $2,300/yr
1.4%
Closing Cost %
35
Ohio
Median: $215KTax: 1.56%Insurance: $1,400/yr
1.4%
Closing Cost %
36
Oregon
Median: $480KTax: 0.93%Insurance: $1,400/yr
1.4%
Closing Cost %
37
Washington
Median: $580KTax: 0.98%Insurance: $1,600/yr
1.4%
Closing Cost %
38
Wisconsin
Median: $280KTax: 1.76%Insurance: $1,300/yr
1.4%
Closing Cost %
39
Kansas
Median: $225KTax: 1.41%Insurance: $2,900/yr
1.3%
Closing Cost %
40
Nebraska
Median: $245KTax: 1.73%Insurance: $2,800/yr
1.3%
Closing Cost %
41
Oklahoma
Median: $210KTax: 0.88%Insurance: $3,600/yr
1.3%
Closing Cost %
42
South Carolina
Median: $305KTax: 0.57%Insurance: $2,600/yr
1.3%
Closing Cost %
43
Utah
Median: $480KTax: 0.58%Insurance: $1,200/yr
1.3%
Closing Cost %
44
California
Median: $785KTax: 0.73%Insurance: $2,200/yr
1.2%
Closing Cost %
45
Indiana
Median: $240KTax: 0.84%Insurance: $1,700/yr
1.1%
Closing Cost %
46
North Dakota
Median: $255KTax: 0.98%Insurance: $2,100/yr
1.1%
Closing Cost %
47
Wyoming
Median: $340KTax: 0.61%Insurance: $1,800/yr
1.1%
Closing Cost %
48
Iowa
Median: $210KTax: 1.52%Insurance: $1,800/yr
1%
Closing Cost %
49
Missouri
Median: $235KTax: 0.97%Insurance: $2,200/yr
0.9%
Closing Cost %
50
South Dakota
Median: $295KTax: 1.22%Insurance: $2,300/yr
0.7%
Closing Cost %
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