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What Are The Average Mortgage Closing Costs In Your State?

August 11th, 2016 5:06 AM by Jackie A. Graves, President

The table below lists states alphabetically with their average closing costs. Check your state for a detailed summary of average fees. Your final charges probably will be higher than shown here because the most highly variable costs are not included: title insurance, title search, taxes, other government fees, escrow fees and discount points.

Bankrate requested good faith estimates for a $200,000 mortgage loan from up to 10 lenders in a large city in each state, plus Washington, D.C. The hypothetical loan was for a purchase of a single-family house, using a 20% down payment, with excellent credit.

Average closing costs by state
State	Origination fees	3rd-party fees	Total

Average	$1,058	$1,070	$2,128
Alabama	$1,062	$1,127	$2,189
Alaska	$1,048	$1,209	$2,257
Arizona	$1,063	$1,009	$2,071
Arkansas	$1,005	$958	$1,963
California	$1,144	$1,113	$2,257
Colorado	$1,057	$933	$1,990
Connecticut	$1,066	$1,248	$2,313
Delaware	$1,047	$1,311	$2,358
District of Columbia	$1,183	$1,030	$2,213
Florida	$1,123	$1,057	$2,180
Georgia	$1,155	$1,148	$2,303
Hawaii	$1,207	$1,448	$2,655
Idaho	$1,053	$1,055	$2,108
Illinois	$1,080	$1,000	$2,079
Indiana	$1,065	$992	$2,057
Iowa	$1,013	$1,094	$2,107
Kansas	$1,002	$970	$1,972
Kentucky	$932	$942	$1,874
Louisiana	$1,034	$1,130	$2,164
Maine	$1,064	$1,121	$2,185
Maryland	$1,180	$1,049	$2,229
Massachusetts	$1,056	$1,216	$2,273
Michigan	$1,049	$989	$2,038
Minnesota	$1,033	$997	$2,030
Mississippi	$1,132	$1,043	$2,175
Missouri	$1,000	$926	$1,926
Montana	$1,016	$1,026	$2,042
Nebraska	$1,009	$960	$1,969
Nevada	$943	$1,051	$1,994
New Hampshire	$1,046	$1,013	$2,059
New Jersey	$937	$1,231	$2,168
New Mexico	$1,078	$1,153	$2,231
New York	$1,103	$1,458	$2,560
North Carolina	$1,142	$1,267	$2,409
North Dakota	$994	$1,114	$2,108
Ohio	$1,045	$994	$2,039
Oklahoma	$985	$926	$1,911
Oregon	$1,091	$1,065	$2,156
Pennsylvania	$1,057	$780	$1,837
Rhode Island	$1,069	$1,007	$2,076
South Carolina	$1,134	$1,187	$2,322
South Dakota	$1,019	$886	$1,904
Tennessee	$1,108	$959	$2,068
Texas	$1,032	$1,143	$2,175
Utah	$1,082	$885	$1,967
Vermont	$1,075	$1,103	$2,178
Virginia	$1,069	$1,067	$2,136
Washington	$1,059	$1,175	$2,234
West Virginia	$1,017	$1,153	$2,171
Wisconsin	$1,010	$853	$1,863
Wyoming	$982	$1,007	$1,989

Bankrate.com surveyed up to 10 lenders in each state in June 2016 and obtained online Loan Estimates for a $200,000 mortgage to buy a single-family home with a 20% down payment in a prominent city. Costs include fees charged by lenders, as well as 3rd-party fees for services such as appraisals and credit reports. The survey excludes title insurance, title search, taxes, property insurance, association fees, interest and other prepaid items.

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What Are The Average Mortgage Closing Costs In Your State?

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