Closing Cost Calculator by State 2026
Compare closing costs in all 50 states. See transfer taxes, title insurance, and total costs by state. $400K home in TX = $14,000 vs FL = $12,000 vs CA = $9,600. Free, instant, no SSN.
Compare Closing Costs in All 50 States
See which states are cheapest and most expensive. Find low-fee lenders in your state.
📊 Closing Cost Calculator by State
🗺️ Closing Costs by State: What Varies?
1. Transfer Tax
Varies from 0% (TX, ID, IN, KY, MS, MO, OR, SD, UT) to 3% (DE). On a $400K home: $0 in TX vs $12,000 in DE. This is the biggest state-to-state variable.
2. Title Insurance
Rates vary by state from 0.4% to 0.55% of home price. Some states regulate rates (TX, FL), others are competitive. On $400K: $1,600-$2,200.
3. Recording Fees
County recording fees vary from $50-$300. Some states charge per page, others flat fee. Minor compared to transfer tax and title insurance.
💰 Average Closing Costs by State (on $400K Home)
| State | Transfer Tax | Title Insurance | Lender Fees | Total | % of Price |
|---|---|---|---|---|---|
| TX | $0 | $2,200 | $4,600 | $14,200 | 3.55% |
| FL | $2,800 | $2,000 | $4,600 | $11,800 | 2.95% |
| CA | $440 | $1,800 | $4,600 | $9,600 | 2.40% |
| NY | $1,600 | $2,000 | $4,600 | $15,200 | 3.80% |
| PA | $4,000 | $2,000 | $4,600 | $14,000 | 3.50% |
| OH | $400 | $2,000 | $4,600 | $10,000 | 2.50% |
| GA | $440 | $2,000 | $4,600 | $10,800 | 2.70% |
| NC | $800 | $1,600 | $4,600 | $10,000 | 2.50% |
| AZ | $0 | $1,600 | $4,600 | $8,800 | 2.20% |
| IN | $0 | $2,000 | $4,600 | $9,600 | 2.40% |
Find Low-Closing-Cost Lenders in Your State
Compare lenders. See real rates. Ask for seller concessions. Save thousands.
Compare Lenders Free →❓ Closing Costs by State FAQ
Which states have the lowest closing costs?
IN, MO, ID, OR, SD, MS, KY — all have 0% transfer tax. Average 2.2-2.4% of home price. Compare →
Which states have the highest closing costs?
DE (3% transfer tax), RI (2.3%), NH (1.5%), VT (1.45%), NJ (1%), NY, PA. Average 3.5-4.5%. Find low-fee lenders →
Which states have no transfer tax?
AK, AZ, ID, IN, KY, MS, MO, MT, NM, OR, SD, TX, UT, WY. Save $2K-$12K on a $400K home. Compare →
Can I negotiate closing costs?
Yes! Seller concessions (3-6%), lender credits, shop title insurance, state DPA programs. Find ways to save →