Home / Rankings / Highest Closing Fees States with the Highest Closing Fees (2026) Closing fees represent a significant upfront expense that many buyers underestimate. In the most expensive states, mandatory attorney requirements, high transfer taxes, and elevated title insurance premiums push average closing fees well above $10,000. Here are all 50 states ranked from highest to lowest average closing fees.
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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