What it really costs
to buy a home
in your state.

It depends on the state: 14 states charge no real estate transfer tax, 6 require an attorney to close, and each sets its own property tax rules; Payotte answers for all 50 states from official sources.

14
states with no transfer tax
6
states require an attorney at closing
17
judicial foreclosure states
6
buyer-beware states (no disclosure form)
9
community property states
Texas transfer tax $0 Texas owner’s title policy, $400,000 home $2,262 Texas Constitution, Art. VIII, § 29 · TDI rates in effect March 1, 2026 Texas closing costs →

What changes from one state to the next

Each state guide answers one question, with the figure, its date and its source in the same sentence.

All 50-state tables: transfer tax, property tax appeals, attorney at closing, foreclosure, seller disclosure, first-time buyer programs and more.

How Payotte writes a state guide

Official sources only

State codes and constitutions, revenue and insurance departments, county assessors and clerks, the Census Bureau and FHFA. No estimate without a source.

Dated and cited

Every figure carries its year and its source in the sentence. Each page lists the sources read, with the date they were consulted.

Only what differs

A topic gets a state page only when the state’s law or numbers differ. Everything else is a federal guide, written once.