Home / Rankings / Highest Closing Costs ($) States with the Highest Closing Costs in Dollars (2026) In the most expensive states, closing costs can exceed $12,000 before you even factor in your down payment. High home prices combined with steep transfer taxes and mandatory fees push closing costs to their highest in New York, Hawaii, and Delaware. Here are the states ranked from highest to lowest average closing cost.
1
Hawaii Median: $830K Tax: 0.28% Insurance: $1,200/yr
2
New York Median: $430K Tax: 1.72% Insurance: $2,100/yr
3
Delaware Median: $355K Tax: 0.56% Insurance: $1,300/yr
4
Maryland Median: $420K Tax: 1.09% Insurance: $1,700/yr
5
New Jersey Median: $505K Tax: 2.47% Insurance: $1,500/yr
7
California Median: $785K Tax: 0.73% Insurance: $2,200/yr
9
Washington Median: $580K Tax: 0.98% Insurance: $1,600/yr
10
Colorado Median: $520K Tax: 0.51% Insurance: $3,200/yr
12
Florida Median: $395K Tax: 0.86% Insurance: $4,200/yr
14
Oregon Median: $480K Tax: 0.93% Insurance: $1,400/yr
15
Montana Median: $430K Tax: 0.74% Insurance: $2,100/yr
16
Nevada Median: $425K Tax: 0.53% Insurance: $1,700/yr
17
Alaska Median: $350K Tax: 1.19% Insurance: $1,400/yr
18
Idaho Median: $420K Tax: 0.63% Insurance: $1,600/yr
19
Utah Median: $480K Tax: 0.58% Insurance: $1,200/yr
20
Arizona Median: $380K Tax: 0.62% Insurance: $2,100/yr
21
Vermont Median: $380K Tax: 1.9% Insurance: $1,100/yr
22
Virginia Median: $400K Tax: 0.82% Insurance: $1,700/yr
23
Illinois Median: $270K Tax: 2.07% Insurance: $1,900/yr
24
Texas Median: $310K Tax: 1.8% Insurance: $3,800/yr
25
Maine Median: $350K Tax: 1.3% Insurance: $1,300/yr
26
Georgia Median: $340K Tax: 0.92% Insurance: $2,200/yr
27
Tennessee Median: $340K Tax: 0.56% Insurance: $2,400/yr
30
Minnesota Median: $335K Tax: 1.12% Insurance: $2,100/yr
32
New Mexico Median: $280K Tax: 0.8% Insurance: $1,900/yr
33
Wisconsin Median: $280K Tax: 1.76% Insurance: $1,300/yr
34
Wyoming Median: $340K Tax: 0.61% Insurance: $1,800/yr
35
Michigan Median: $240K Tax: 1.54% Insurance: $1,800/yr
36
Alabama Median: $230K Tax: 0.41% Insurance: $1,950/yr
37
Nebraska Median: $245K Tax: 1.73% Insurance: $2,800/yr
38
Louisiana Median: $195K Tax: 0.55% Insurance: $3,500/yr
39
Ohio Median: $215K Tax: 1.56% Insurance: $1,400/yr
40
Kentucky Median: $210K Tax: 0.83% Insurance: $2,400/yr
41
Arkansas Median: $195K Tax: 0.62% Insurance: $2,500/yr
42
Kansas Median: $225K Tax: 1.41% Insurance: $2,900/yr
44
Oklahoma Median: $210K Tax: 0.88% Insurance: $3,600/yr
45
Indiana Median: $240K Tax: 0.84% Insurance: $1,700/yr
48
Missouri Median: $235K Tax: 0.97% Insurance: $2,200/yr
49
Iowa Median: $210K Tax: 1.52% Insurance: $1,800/yr
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