State-by-state closing costs (© Creatas)Click to enlarge picture

© Creatas/age fotostock

Bankrate.com researchers gathered closing-cost information from at least four lenders in all 50 states and the District of Columbia. In California, Illinois and New York, researchers also collected data from multiple markets where there was a presumed disparity.

Researchers requested a good faith estimate for a $200,000 loan, assuming a 20% down payment and good credit. Below, ranked from most expensive to least expensive, are the average closing costs charged by the lending industry for a mortgage in each state. Your costs will be higher than shown here because the most highly variable costs are not included: Taxes, other governmental fees and escrow fees. They vary almost infinitely, by locale and by which day of the month the closing occurs.

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State-by-state closing costs

2008 rank 2007 rank State2008 closing costs
11New York - NYC$4,015
22Texas$3,975
3N/ANew York - Buffalo$3,845
43Florida$3,683
58Oklahoma$3,558
69New Mexico$3,466
77New Jersey$3,432
84Pennsylvania$3,411
916Alaska$3,408
1024Colorado$3,358
11N/ACalifornia - San Francisco$3,321
125Ohio$3,317
1317California - LA$3,250
1435Kentucky$3,213
1527West Virginia$3,201
1611Connecticut$3,200
1725Michigan$3,191
18N/ACalifornia - Sacramento$3,179
1941Oregon$3,161
206Hawaii$3,134
21*39Alabama$3,130
21*12Massachusetts$3,130
2319Maryland$3,117
2415Tennessee$3,116
2537South Carolina$3,103
2610Delaware$3,098
2746Arizona$3,096
2822District of Columbia$3,086
2933Idaho$3,064
3014Mississippi$3,059
3128Arkansas$3,049
3213Louisiana$3,042
3348Nevada$3,039
3438Washington$3,028
3520Virginia$3,007
3634Montana$2,970
3736Iowa$2,940
3844Wisconsin$2,940
3918Rhode Island$2,932
4026Minnesota$2,930
41*21New Hampshire$2,922
41*23North Dakota$2,922
4331Georgia$2,900
4443Nebraska$2,891
4532Utah$2,882
4651Indiana$2,878
4730Vermont$2,872
4849Illinois - Chicago$2,869
49N/AIllinois - Springfield$2,826
50*50Wyoming$2,804
50*36Iowa$2,804
5240South Dakota$2,797
5329Maine$2,793
5445Missouri$2,758
5542Kansas$2,669
5647North Carolina$2,650

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