Closing costs by state

In short

50 states covered. Each row below is a one-line summary of that state's article, which cites the statute or official page behind it.

The table

“—” means the state article does not state it. Download the data: closing-costs.json (CC BY 4.0, cite Payotte with a link).

State by state, in one sentence

Alabama

Alabama has no official typical closing-cost total; the state fixes a deed tax of $0.50 per $500 of price and a mortgage tax of $0.15 per $100 borrowed, which come to $250 and $300 on a $250,000 sale with a $200,000 loan.

Alaska

Alaska has no official typical closing-cost total; it charges no transfer tax (AS 43.98.035), and recording a deed costs $20 for the first page and $5 for each additional page.

Arizona

Arizona has no official typical closing-cost total; it charges no transfer tax, the county recorder charges $30 per instrument, and title insurers must charge their filed rates.

Arkansas

Arkansas has no official typical closing-cost total; the state transfer tax is $3.30 per $1,000 of consideration ($660 on a $200,000 sale) and Pulaski County recording is $15 for the first page plus $5 per added page.

California

California has no official typical closing-cost total; transfer taxes are set by county and city, for example $1.10 per $1,000 in Los Angeles County plus $4.50 per $1,000 in the City of Los Angeles, or $5,600 on a $1,000,000 home.

Colorado

Colorado has no official typical closing-cost total; the state documentary fee is $0.01 per $100 of price ($62.50 on $625,000) and Denver charges a flat $43 to record each real estate document.

Connecticut

Connecticut has no official typical closing-cost total; by law the seller pays the conveyance tax (0.75% state plus 0.25% or 0.5% municipal, 1.25% state above $800,000), and recording a deed costs $70 for the first page.

Delaware

Delaware has no official typical closing-cost total; the realty transfer tax is 4% of the price (2.5% state plus 1.5% county or municipal), with the state share apportioned equally between buyer and seller, and each recorded document carries $30 in state add-ons.

Florida

Florida has no official typical closing-cost total; the deed carries documentary stamp tax of 70 cents per $100 (60 cents in Miami-Dade), a new mortgage adds 35 cents per $100 and a 2-mill intangible tax, and the owner's title premium is $2,575 at $500,000.

Georgia

Georgia has no official typical closing-cost total; the transfer tax is $1 per $1,000 of price ($400 on $400,000) and the intangible recording tax is $1.50 per $500 borrowed ($960 on $320,000).

Hawaii

Hawaii has no official typical closing-cost total; the seller pays the conveyance tax by state rule ($1,600 on an $800,000 sale at the 2025 schedule) and recording a deed in the Regular System costs $41 per document up to 50 pages.

Idaho

Idaho has no official typical closing-cost total; no transfer tax was found, recording costs $15 for a deed and $45 for a deed of trust in Ada County, and title premiums and escrow fees are filed with the state.

Illinois

Illinois has no official typical closing-cost total; the Cook County Clerk charges $107 to record a deed or mortgage, and Chicago transfer taxes total $6.00 per $500 of price (state $0.50, county $0.25, city $5.25).

Indiana

Indiana has no real estate transfer tax and no official typical closing-cost total; Marion County deed fees total $65, and filed title charges run $700 to $1,035 for a $250,000 purchase with a loan.

Iowa

Iowa has no official typical closing-cost total; the transfer tax is $0.80 per $500 of price above $500, Iowa Title Guaranty charges a flat $175 up to $750,000, and Polk County charges $12 for a deed's first page.

Kansas

Kansas has no official typical closing-cost total; it repealed its 0.26% mortgage registration tax in 2019, found no transfer tax, and Johnson County charges $21 for the first page and $17 for each added page to record.

Kentucky

Kentucky has no official typical closing-cost total; the seller pays a transfer tax of $0.50 per $500 of value ($242 on a $241,700 sale) and recording a deed costs $33 for up to five pages plus a $4 state tax.

Louisiana

Louisiana has no official typical closing-cost total; the Civil Code puts the expenses of the act of sale on the buyer by default, recording in Orleans Parish costs $100 to $300 by page count plus a $5 portal fee and a $30 building fund fee, and New Orleans levies a $300 documentary tax on the seller.

Maine

Maine has no official typical closing-cost total; the transfer tax is $2.20 per $500 of price, split half and half between buyer and seller by law, and registries charge $35 per recorded instrument.

Maryland

Maryland has no official typical closing-cost total; the State transfer tax is 0.5% of the price, Baltimore City adds a 1.5% transfer tax and $5 per $500 recordation tax, and recording a residential instrument costs $60.

Massachusetts

Massachusetts has no official typical closing-cost total; the seller pays the deeds excise of $2.28 per $500 of price outside Barnstable County ($3,648 on $800,000), and recording a deed costs $100 plus a $50 surcharge.

Michigan

Michigan has no official typical closing-cost total; in Wayne County the seller owes transfer tax of $8.60 per $1,000 of value ($1,720 on $200,000) and recording a deed costs $30 per document.

Minnesota

Minnesota has no official typical closing-cost total; in Hennepin County the seller owes a 0.34% deed tax and a borrower owes a 0.24% mortgage registry tax, plus a $46 recording fee per document and a $5 conservation fee.

Mississippi

Mississippi has no official typical closing-cost total; the Department of Revenue lists no tax on deed transfers, and recording a deed costs $25 for the first five pages and $1 for each extra page.

Missouri

Missouri has no official typical closing-cost total; no transfer tax was found (the Constitution bars new ones since December 2, 2010) and in the City of St. Louis a standard deed costs $25 for the first page plus $5 per extra page to record.

Montana

Montana has no official typical closing-cost total; it has no transfer tax, recording costs $20 for the first page and $10 for each added page, and title insurers may charge only their filed rates.

Nebraska

Nebraska has no official typical closing-cost total; the documentary stamp tax is $3.32 per $1,000 of value since July 18, 2026 ($996 on a $300,000 sale), placed on the seller by statute, and recording costs $10 for the first page and $6 for each added page.

Nevada

Nevada has no official typical closing-cost total; in Clark County the transfer tax is $2.55 per $500 of value ($2,550 on $500,000), the Recorder charges $42 per document, and the State Bar says transfer tax, recording and escrow fees are often split equally.

New Hampshire

New Hampshire has no official typical closing-cost total; the state transfer tax is $0.75 per $100 of price for the buyer and again for the seller ($3,000 each on a $400,000 home), and recording costs $10 for the first page and $4 per added page plus a $25 charge on deeds and mortgages.

New Jersey

New Jersey's Department of Banking and Insurance tells buyers to expect one-time closing costs of about 3% to 4% of the sale price, and sellers owe the State Realty Transfer Fee, $4,655 on a $550,000 sale.

New Mexico

New Mexico has no official typical closing-cost total; it has no transfer tax, recording in Bernalillo County costs $25 per document, and the Superintendent of Insurance sets title prices, such as $100 for a lender's policy issued with an owner's policy.

New York

New York has no official typical closing-cost total; on a $640,000 loan in New York City the mortgage recording tax is $13,890 (buyer about $12,290, lender $1,600), and sellers pay the 0.4% state transfer tax.

North Carolina

North Carolina has no official typical closing-cost total; the seller owes the state excise tax of $1 per $500 ($864 on $431,900), recording a deed costs $26 and a deed of trust $64 in the county schedules read, and a North Carolina attorney handles the closing.

North Dakota

North Dakota has no official typical closing-cost total; it has no transfer tax and the county recorder charges $20 to record a deed or mortgage of one to six pages.

Ohio

Ohio has no official typical closing-cost total; in Franklin County the deed carries a conveyance fee of $3 per $1,000 of price plus a $0.50 transfer tax, and the Recorder charges $34 for the first two pages and $8 per extra page.

Oklahoma

Oklahoma has no official typical closing-cost total; the state fixes a documentary stamp tax of $0.75 per $500 on the deed, a mortgage tax of $0.10 per $100 borrowed (five years or more), and county recording fees of $8 for the first page plus $2 per extra page and a $10 preservation fee.

Oregon

Oregon has no official typical closing-cost total; it has no transfer tax (Constitution Art. IX, section 15) and Multnomah County charges $86 to record the first page of a deed and $5 for each additional page.

Pennsylvania

Pennsylvania has no official typical closing-cost total; the realty transfer tax is 1% to the state plus local tax, 4.578% in Philadelphia ($11,610 on $253,600), usually split between buyer and seller, and Philadelphia charges $278.75 to record a deed.

Rhode Island

Rhode Island has no official typical closing-cost total; the conveyance tax is $3.75 per $500 of price ($3,000 on a $400,000 sale), paid by the seller unless the contract says otherwise, and recording a warranty deed costs $80 and a mortgage $60.

South Carolina

South Carolina has no official typical closing-cost total; the deed recording fee is $3.70 per $1,000 ($1,480 on $400,000) with the seller liable, and Greenville County charges $15 to file a deed and $25 to file a mortgage.

South Dakota

South Dakota has no official typical closing-cost total; the seller pays a transfer fee of $0.50 per $500 of value ($400 on a $400,000 sale) and Minnehaha County charges $30 to record a deed and $30 to record a mortgage.

Tennessee

Tennessee has no official typical closing-cost total; the buyer owes a realty transfer tax of $0.37 per $100 of price and the borrower a mortgage tax of $0.115 per $100 after the first $2,000, which is $1,480 and $365.70 on a $400,000 home with a $320,000 loan.

Texas

Texas has no official typical closing-cost total; it charges no transfer tax, the owner's title policy on a $400,000 home costs $2,262 at Texas Department of Insurance rates effective March 1, 2026, and a simultaneous loan policy costs $100.

Utah

Utah has no official typical closing-cost total; the state contract has the seller pay for the buyer's owner's title policy by default, each county recorder charges $40 per recorded document, and no transfer tax was found.

Vermont

Vermont has no official typical closing-cost total; the buyer owes the property transfer tax by statute, $3,940 on a $400,000 primary home, and the clerk charges $15 per page to record plus $15 for the tax return.

Virginia

Virginia has no official typical closing-cost total; it has no transfer tax but taxes the recording of the deed, and in Arlington the grantor tax and two regional fees total 0.3% of the price while the state recordation tax is 25 cents per $100 (Arlington adds one-third).

Washington

Washington has no official typical closing-cost total; the seller owes the real estate excise tax by law, $16,855 on a $1 million Seattle sale in 2026, and King County charges $303.50 to record a deed and $304.50 for a deed of trust.

West Virginia

West Virginia has no official typical closing-cost total; the seller pays a transfer tax of $1.10 per $500 plus at least 55 cents per $500 for the county, a $20 housing fee is collected before recording, and recording a deed or deed of trust costs $30.

Wisconsin

Wisconsin has no official typical closing-cost total; the state real estate transfer fee is $3 per $1,000, owed by the seller ($623.70 on Milwaukee's $207,900 median home value), and the register of deeds charges $30 to record any document.

Wyoming

Wyoming has no official typical closing-cost total; the statutes read impose no transfer tax, the county clerk charges $12 to record the first page and $3 for each additional page, and title premiums follow each insurer's filed schedule.