Payotte study · 849 counties

What lenders really charge, county by county

Total loan costs, points, credits and rates on home purchase loans, from the 2025 HMDA data.

In short

Payotte analysed 2,429,383 home purchase loans made in 2025 in 849 US counties with at least 500 such loans. The median "total loan costs" on the Closing Disclosure was highest in Miami-Dade County, FL ($13,341), Maui County, HI ($12,736), Imperial County, CA ($12,383) and lowest in Johnson County, IA ($1,919), Black Hawk County, IA ($1,959), Linn County, IA ($2,117). Across these counties, the typical county median was 2.24% of the loan amount.

All 849 counties

#CountyLoansMedian total loan costsShare of loanWith pointsMedian rate
1Miami-Dade County, FL13,112$13,3412.85%57.8%6.5%
2Maui County, HI563$12,7362.11%63.1%6.375%
3Imperial County, CA722$12,3833.49%57.1%6.375%
4San Bernardino County, CA12,896$11,8542.67%53.7%6.375%
5Riverside County, CA18,333$11,7582.45%55.8%6.25%
6Charles County, MD2,354$11,4552.71%55.1%6.25%
7Merced County, CA1,485$11,3022.82%63.2%6.25%
8Los Angeles County, CA32,309$11,2661.6%39.3%6.5%
9Webb County, TX1,653$11,2004.6%72.3%6.25%
10Tulare County, CA2,872$11,1843.09%65.7%6.25%
11Madera County, CA1,643$11,1352.81%71.2%6.125%
12Honolulu County, HI5,517$11,0772.23%58.1%6.125%
13Stanislaus County, CA3,247$11,0202.66%66.1%6.375%
14Monterey County, CA1,363$11,0101.83%58.8%6.49%
15Broward County, FL13,372$10,8652.91%54.8%6.5%
16San Benito County, CA501$10,8541.92%61.9%6.375%
17Yuba County, CA1,036$10,7792.62%70.5%6%
18Kern County, CA6,466$10,7483.04%62.5%6.25%
19Rockdale County, GA1,054$10,7263.49%62%6.25%
20Kings County, CA1,076$10,6723.02%72.1%6.125%
21Tooele County, UT1,204$10,6682.6%68.4%6.125%
22Osceola County, FL5,804$10,6122.86%64.8%5.99%
23Ector County, TX1,599$10,4413.94%66.4%6.5%
24Midland County, TX2,682$10,3973%57.6%6.5%
25Prince George's County, MD7,147$10,3832.55%53.9%6.49%
26Cumberland County, NJ923$10,2153.9%60.1%6.5%
27Chambers County, TX956$10,2063.16%72%6.125%
28Henry County, GA3,183$10,1563.11%65.8%6.125%
29Fresno County, CA5,576$10,1302.72%63.4%6.375%
30Lyon County, NV811$10,1062.65%68.8%6.125%
31Solano County, CA3,463$10,0552.14%59.1%6.375%
32Grant County, WA772$10,0502.99%75.1%6.5%
33Canyon County, ID3,623$10,0002.83%74.7%6.125%
34St. Lucie County, FL5,278$9,9842.99%63.8%6.25%
35Richmond County, NY2,450$9,9102.14%46.9%6.49%
36Hidalgo County, TX4,175$9,8904.21%71.8%6.435%
37Suffolk County, NY10,264$9,8612.05%49.7%6.5%
38Douglas County, GA1,554$9,8593.19%63.9%6.25%
39Newton County, GA1,198$9,8303.19%63.9%6.25%
40Barrow County, GA1,534$9,8192.93%62.7%6.125%
41Ellis County, TX3,760$9,8182.99%68.7%6.125%
42Bastrop County, TX1,101$9,7633.06%58.2%5.99%
43Pinal County, AZ9,439$9,7402.8%72.4%5.875%
44San Diego County, CA17,087$9,7401.51%45.2%6.375%
45Calvert County, MD988$9,6842.36%54.3%6.375%
46Cameron County, TX2,151$9,6774%68.8%6.49%
47Kent County, DE2,031$9,6043.03%49.6%6.25%
48Nassau County, NY7,822$9,5251.66%48.1%6.49%
49Polk County, FL10,288$9,4733.21%62.2%5.999%
50Johnson County, TX3,106$9,4693.01%65.7%6.125%
51Walton County, GA1,182$9,4462.76%66.3%6.49%
52Orange County, CA12,159$9,4361.19%33.9%6.5%
53Ventura County, CA4,252$9,4191.53%41.7%6.5%
54Lee County, FL11,344$9,4092.96%58.8%6.375%
55Orange County, FL11,109$9,3972.47%60%6.375%
56Palm Beach County, FL12,187$9,3632.42%53.9%6.5%
57Clayton County, GA1,884$9,3613.82%62.8%6.375%
58Hawaii County, HI1,172$9,3552.23%67.6%6.5%
59Linn County, OR1,058$9,3522.71%77%6.375%
60Franklin County, WA816$9,3492.48%68.8%6.375%
61Cowlitz County, WA1,098$9,3482.59%64.6%6.5%
62Liberty County, TX954$9,3283.35%67.2%6.125%
63Caroline County, VA554$9,2762.81%61.2%6.302%
64El Paso County, TX7,322$9,2523.69%66.8%6.25%
65Wise County, TX1,291$9,1832.92%65.9%6.125%
66Benton County, WA2,196$9,1812.4%69.3%6.375%
67Jackson County, GA1,566$9,1492.5%67.4%6.375%
68Hernando County, FL3,275$9,1413.06%64.9%6.375%
69Parker County, TX2,593$9,1232.42%62.9%6.375%
70Union County, NJ3,084$9,1131.71%42.3%6.499%
71Passaic County, NJ2,516$9,1022.17%45.9%6.5%
72Lewis County, WA717$9,0982.36%69.5%6.5%
73Adams County, CO6,515$9,0972.11%61.6%6.125%
74Waller County, TX1,640$9,0933.03%71.2%5.875%
75Humboldt County, CA639$9,0662.75%73.9%6.5%
76Polk County, OR735$9,0612.4%67.9%6.49%
77Marion County, OR2,525$9,0592.48%70.6%6.479%
78Spotsylvania County, VA1,921$9,0432.19%60.2%6.25%
79Kootenai County, ID2,122$9,0362.12%67.5%6.32%
80Twin Falls County, ID953$9,0152.85%79.3%6.25%
81Umatilla County, OR623$9,0023.16%73.8%6.49%
82Hillsborough County, FL13,923$9,0012.51%57.2%6.375%
83Yuma County, AZ1,955$8,9903.17%74.2%6.49%
84Essex County, NJ4,145$8,9761.59%41.4%6.375%
85Pierce County, WA8,685$8,9722.02%62.5%6.487%
86Bonneville County, ID1,456$8,9682.64%58.4%6.25%
87Brazoria County, TX4,787$8,9602.98%65.7%6.125%
88Collier County, FL3,451$8,9422.04%52.1%6.5%
89Paulding County, GA2,488$8,9382.65%63.3%6.25%
90Stafford County, VA1,884$8,9201.94%48%6.25%
91Chelan County, WA552$8,9002.15%68.1%6.5%
92Lake County, FL5,801$8,8882.77%59%6.25%
93St. Mary's County, MD1,198$8,8742.33%53.5%6.375%
94Hoke County, NC1,055$8,8633.04%52.5%6.125%
95Fort Bend County, TX10,761$8,8532.55%60%6.125%
96Santa Barbara County, CA1,584$8,8431.42%45.4%6.5%
97Box Elder County, UT774$8,8252.36%68.7%6.25%
98Galveston County, TX4,248$8,8222.88%63.9%6.25%
99Yamhill County, OR830$8,8152.29%71.9%6.49%
100Utah County, UT8,776$8,7842.02%63.8%6.125%
101Kings County, NY5,445$8,7781.35%43.9%6.25%
102Kaufman County, TX3,822$8,7423.16%66.6%5.75%
103Hunt County, TX1,369$8,7383.1%60.8%6.25%
104Rockwall County, TX2,239$8,7382.23%64.2%6.125%
105Carroll County, GA1,354$8,7163.19%62.2%6.375%
106Dallas County, TX15,629$8,7102.46%55.2%6.375%
107Currituck County, NC500$8,7022.24%63.8%6.375%
108Thurston County, WA2,764$8,6812.01%64.6%6.375%
109Yakima County, WA1,311$8,6482.57%71.2%6.5%
110Shasta County, CA1,407$8,6442.69%63.4%6.5%
111Effingham County, GA912$8,6392.69%53.7%6.25%
112Weber County, UT3,095$8,6352.2%66.3%6.25%
113Mason County, WA601$8,6272.33%61.9%6.624%
114Chesapeake city, VA3,217$8,6202.38%57.9%6.25%
115Denton County, TX14,429$8,6182.12%59.7%6.125%
116Contra Costa County, CA7,395$8,6051.35%41.9%6.375%
117San Joaquin County, CA5,786$8,6032%62.9%6.25%
118Queens County, NY6,908$8,6002.12%54.7%6.375%
119Lane County, OR2,767$8,5842.37%73.9%6.5%
120Gwinnett County, GA8,404$8,5722.33%59.5%6.375%
121Tarrant County, TX18,567$8,5662.72%60%6.375%
122Suffolk city, VA1,585$8,5662.45%62.7%6.25%
123Comal County, TX2,922$8,5552.35%66.2%5.99%
124Troup County, GA708$8,5523.37%51.4%6.375%
125Sutter County, CA542$8,5442.25%63.8%6.375%
126Harris County, TX35,942$8,5402.84%60.6%6.25%
127Medina County, TX777$8,5392.55%71.9%5.625%
128Dawson County, GA595$8,5302.2%66.2%6.25%
129Hood County, TX905$8,5292.87%60.1%6.5%
130Maricopa County, AZ45,177$8,5162.15%65.9%6.25%
131Napa County, CA604$8,5061.39%49.2%6.375%
132Gallatin County, MT1,023$8,5051.79%57.6%6.5%
133Walton County, FL1,286$8,5012.08%46.8%6.25%
134Wilson County, TX501$8,5012.53%62.9%6.125%
135Tom Green County, TX1,086$8,4943.45%58%6.5%
136Bannock County, ID804$8,4932.73%62.4%6.25%
137Hall County, GA2,143$8,4832.46%61.4%6.375%
138Grayson County, TX1,954$8,4712.97%62.8%6.25%
139Norfolk city, VA2,473$8,4612.72%57.7%6.375%
140Jefferson County, TX1,480$8,4344%65.3%6.5%
141Hays County, TX4,543$8,4262.58%62.1%5.875%
142Kendall County, TX783$8,4231.8%65.8%6%
143Clark County, NV22,228$8,4222.25%65.8%6.25%
144Pasco County, FL9,870$8,4072.74%58.9%6.125%
145Collin County, TX16,816$8,3982.09%58.9%6.125%
146Travis County, TX11,266$8,3771.86%53.5%6.25%
147Valencia County, NM792$8,3702.82%57.4%6.125%
148Seminole County, FL4,295$8,3692.35%58%6.49%
149Kitsap County, WA2,768$8,3571.9%62.8%6.374%
150Ada County, ID6,693$8,3562.05%68.1%6.25%
151Berkeley County, SC4,882$8,3192.49%62%6.125%
152Anne Arundel County, MD6,011$8,3121.96%52.4%6.49%
153Fulton County, GA9,850$8,2992.02%54.2%6.375%
154Salt Lake County, UT9,746$8,2901.85%60.4%6.375%
155Bexar County, TX20,747$8,2813.08%65.7%5.875%
156Island County, WA839$8,2751.88%60.1%6.4%
157Manatee County, FL6,539$8,2742.44%56.9%6%
158Yellowstone County, MT1,572$8,2742.62%60.4%6.25%
159Okaloosa County, FL2,847$8,2562.6%54.4%6.125%
160Clay County, FL2,877$8,2512.74%59%6.125%
161Washoe County, NV4,554$8,2492.04%63.8%6.375%
162Weld County, CO4,992$8,2372.08%60.9%6.126%
163Flathead County, MT819$8,2251.91%54.8%6.5%
164San Juan County, NM511$8,2053.04%62.8%6.5%
165Gordon County, GA561$8,1993.09%65.6%6.25%
166Iron County, UT785$8,1912.35%58.7%6.375%
167Fayette County, GA1,216$8,1891.96%58.2%6.49%
168Culpeper County, VA668$8,1851.92%58.7%6.375%
169Flagler County, FL2,238$8,1692.79%65.4%6.125%
170Lewis and Clark County, MT651$8,1562.25%65.4%6.375%
171Camden County, GA966$8,1452.86%63.5%6.125%
172Volusia County, FL6,335$8,1392.83%59.7%6.375%
173Sonoma County, CA2,756$8,1131.56%49.1%6.5%
174Bronx County, NY1,616$8,1082.23%59.8%6.5%
175Bartow County, GA1,455$8,1062.62%64.8%6.375%
176Montgomery County, TX12,679$8,1022.7%62.1%6%
177Marin County, CA1,366$8,0970.85%30.7%6.338%
178Washington County, MD1,206$8,0962.88%55.1%6.5%
179Guadalupe County, TX3,547$8,0923.09%67%5.375%
180Matanuska-Susitna Borough, AK1,483$8,0872.25%69%6.25%
181Klamath County, OR515$8,0782.98%71.1%6.375%
182Nueces County, TX2,884$8,0773.02%57.5%6.125%
183Virginia Beach city, VA4,734$8,0612.3%55.6%6.375%
184San Patricio County, TX666$8,0593.13%60.8%6.25%
185San Mateo County, CA3,480$8,0580.71%23.7%6.125%
186Coweta County, GA1,885$8,0562.31%58.6%6.375%
187Portsmouth city, VA1,374$8,0452.94%61.7%6.49%
188Orange County, TX669$8,0403.87%62.5%6.5%
189Cascade County, MT738$8,0292.73%45.1%6.125%
190DeSoto County, MS2,235$8,0252.84%66.9%6.25%
191Berkeley County, WV2,033$8,0192.86%66.4%6.479%
192Bergen County, NJ5,621$7,9741.41%38.7%6.5%
193Dorchester County, SC2,800$7,9682.56%61.3%6.25%
194Liberty County, GA939$7,9633.02%56%6.25%
195Isle of Wight County, VA590$7,9582.29%68.6%6.375%
196Martin County, FL1,653$7,9472.08%52.6%6.375%
197Western Connecticut Planning Region, CT4,472$7,9471.3%35.2%6.375%
198Salem County, NJ560$7,9443.21%52%6.625%
199Elbert County, CO665$7,9421.5%67.8%5.875%
200Williamson County, TX10,111$7,9262.17%61%6%
201Hampton city, VA1,545$7,9042.82%58.8%6.49%
202Natrona County, WY842$7,9002.77%50.7%6.25%
203Skagit County, WA971$7,8921.79%64.2%6.553%
204Davis County, UT3,328$7,8641.88%62.1%6.375%
205Rutherford County, TN4,241$7,8592.18%63.1%6.375%
206Henderson County, TX621$7,8253.2%59.6%6.5%
207Bay County, FL2,699$7,8192.67%52.2%6.125%
208DeKalb County, GA6,191$7,7862.29%56.6%6.375%
209Russell County, AL579$7,7843.26%69.6%6.25%
210Columbia County, GA2,165$7,7792.56%54.5%6.25%
211Nassau County, FL1,246$7,7662.08%55.1%6.25%
212Grays Harbor County, WA652$7,7642.62%66.4%6.5%
213Laramie County, WY1,289$7,7602.23%60.3%6.25%
214Jefferson County, WV1,331$7,7592.4%63.3%6.25%
215Alameda County, CA8,025$7,7580.93%30.9%6.375%
216Jackson County, OR1,884$7,7572.28%71.2%6.5%
217Spokane County, WA5,161$7,7572.2%66.5%6.375%
218Chatham County, GA3,262$7,7562.5%55.9%6.25%
219Orange County, VA647$7,7542.41%59.8%6.25%
220Marion County, FL6,143$7,7513.08%64.7%6.25%
221Deschutes County, OR2,396$7,7381.63%59.7%6.425%
222Harford County, MD2,698$7,7122.32%56%6.49%
223Wagoner County, OK1,387$7,7092.92%53.8%6.375%
224Newport News city, VA1,603$7,7072.84%58.5%6.375%
225Wicomico County, MD829$7,6993.16%50.1%6.5%
226San Francisco County, CA3,345$7,6920.87%28.3%6.2%
227Pinellas County, FL7,756$7,6772.32%53%6.5%
228Glynn County, GA801$7,6742.44%58.6%6.375%
229Cobb County, GA7,326$7,6682.07%55.6%6.49%
230Doña Ana County, NM1,737$7,6632.84%65.1%6.25%
231Duval County, FL10,132$7,6522.69%58.3%6.25%
232Whitfield County, GA682$7,6423.11%55.7%6.49%
233Coconino County, AZ694$7,6421.78%54.6%6.523%
234Baltimore County, MD6,455$7,6372.28%50.9%6.5%
235Cache County, UT1,301$7,6302.06%62%6.25%
236Wakulla County, FL508$7,6242.78%47.8%6.25%
237Burnet County, TX620$7,6212.34%59.8%6.125%
238Laurens County, SC919$7,6142.81%63.3%6.125%
239Cecil County, MD883$7,6122.46%55%6.5%
240Greater Bridgeport Planning Region, CT1,961$7,6011.81%41.5%6.5%
241St. Johns County, FL5,863$7,5971.94%56.7%6%
242Fairbanks North Star Borough, AK801$7,5762.43%63.8%6.25%
243Santa Rosa County, FL3,297$7,5752.38%54.1%6.125%
244Sussex County, NJ1,555$7,5692.24%44.4%6.625%
245Lowndes County, GA1,124$7,5583.01%59%6.25%
246Victoria County, TX559$7,5543.26%66.5%6.49%
247Coryell County, TX817$7,5493.07%66.6%6.125%
248Hamblen County, TN532$7,5432.79%64.7%6.49%
249Cherokee County, GA3,372$7,4991.87%56.1%6.5%
250Montgomery County, TN3,886$7,4992.44%70.9%6.125%
251Chester County, PA4,798$7,4901.71%45.4%6.5%
252District of Columbia, DC4,667$7,4881.35%41.3%6.375%
253Sandoval County, NM2,108$7,4882.28%64.8%6.25%
254Washington County, UT2,637$7,4861.89%58%6.375%
255Spalding County, GA726$7,4793.08%61.4%6.375%
256Hudson County, NJ3,057$7,4651.45%35.6%6.375%
257Clackamas County, OR3,562$7,4551.63%64.7%6.5%
258Bulloch County, GA537$7,4512.78%59.2%6.49%
259Highlands County, FL984$7,4503.29%52.3%6.5%
260Brevard County, FL8,451$7,4462.41%55.9%6.25%
261Brazos County, TX1,928$7,4462.56%58.3%6.25%
262Floyd County, GA821$7,4183.27%61.9%6.399%
263Pueblo County, CO1,660$7,4172.73%54.2%6.375%
264Delaware County, PA4,228$7,4042.27%46.1%6.5%
265Queen Anne's County, MD690$7,4021.94%55.7%6.49%
266Harnett County, NC2,902$7,3952.47%57.3%6.125%
267Douglas County, NV525$7,3901.56%61.3%6.375%
268Onslow County, NC3,398$7,3892.73%43%6.25%
269Josephine County, OR636$7,3882.12%72.5%6.5%
270Walker County, GA661$7,3773%60.5%6.375%
271Pasquotank County, NC580$7,3772.62%62.9%6.25%
272Anchorage Municipality, AK2,295$7,3732.16%62.7%6.25%
273Jefferson County, TN516$7,3642.53%60.3%6.375%
274Pickaway County, OH863$7,3592.5%63.8%6.25%
275Montgomery County, PA6,794$7,3521.89%45.5%6.5%
276Charlotte County, FL3,492$7,3502.73%56.2%6.25%
277Pima County, AZ10,154$7,3392.38%67.2%6.25%
278Spartanburg County, SC5,859$7,3372.84%62.7%6.125%
279Sarasota County, FL5,493$7,3242.14%53.6%6.375%
280Bucks County, PA4,688$7,3191.85%44.2%6.5%
281Baltimore city, MD4,420$7,3152.96%53%6.5%
282Morris County, NJ4,014$7,3091.42%35.6%6.5%
283Benton County, OR514$7,3091.88%66%6.5%
284Pennington County, SD1,093$7,3032.3%59.2%6.25%
285Douglas County, OR783$7,3012.57%69%6.375%
286York County, VA769$7,3002.03%57%6.25%
287Prince William County, VA4,530$7,2921.61%46.5%6.375%
288Houston County, GA2,161$7,2892.85%56.5%6.25%
289Orange County, NY2,535$7,2752.01%53.5%6.625%
290Arapahoe County, CO6,822$7,2681.83%52.7%6.375%
291Louisa County, VA552$7,2622.1%50.7%6.5%
292Middlesex County, NJ5,086$7,2601.71%37.4%6.5%
293Citrus County, FL2,072$7,2393.07%61%6.5%
294Florence County, SC1,035$7,2363.22%57.8%6.5%
295Rockland County, NY1,878$7,2311.53%43.9%6.624%
296Orangeburg County, SC506$7,2263.19%64.8%6.25%
297Sacramento County, CA11,727$7,2231.79%55.1%6.375%
298McLennan County, TX2,076$7,2112.71%61.7%6.49%
299Snohomish County, WA7,434$7,2071.31%58.9%6.375%
300Somerset County, NJ2,642$7,2051.55%36.5%6.49%
301Indian River County, FL1,873$7,1982.51%59.9%6.49%
302Frederick County, MD3,168$7,1961.88%49.3%6.49%
303Smith County, TX2,116$7,1962.7%49.6%6.624%
304Dickson County, TN568$7,1802.37%63.7%6.375%
305Gregg County, TX929$7,1803.16%54.6%6.5%
306New Castle County, DE4,924$7,1662.23%47.3%6.49%
307Catoosa County, GA716$7,1602.81%55.7%6.5%
308Westchester County, NY6,085$7,1601.44%43.5%6.375%
309Coffee County, TN569$7,1602.6%61%6.375%
310Anderson County, SC2,315$7,1582.77%58.2%6.375%
311Monmouth County, NJ5,299$7,1461.45%37.4%6.5%
312Taylor County, TX1,902$7,1403.07%55%6.375%
313Monroe County, PA1,345$7,1372.84%56.2%6.625%
314Pike County, PA700$7,1312.94%53.3%6.575%
315Yavapai County, AZ2,223$7,1272.03%58.7%6.5%
316New Kent County, VA545$7,1252.07%63.5%6.125%
317Sumner County, TN2,850$7,1022%62.6%6.375%
318Warren County, NJ1,029$7,0982.24%46.3%6.625%
319Roane County, TN612$7,0942.5%50.7%6.5%
320Berks County, PA3,141$7,0922.79%53.1%6.625%
321Clarke County, GA595$7,0892.48%58.8%6.375%
322Gloucester County, NJ2,987$7,0862.36%52.8%6.625%
323Santa Cruz County, CA973$7,0731.03%46.1%6.5%
324Kershaw County, SC788$7,0612.89%58.8%6.25%
325Blount County, TN1,530$7,0562.16%58.3%6.49%
326El Dorado County, CA1,788$7,0561.53%50.8%6.499%
327Multnomah County, OR6,655$7,0541.83%64.8%6.5%
328Whatcom County, WA1,732$7,0511.68%60.6%6.5%
329Navajo County, AZ541$7,0452.38%64.3%6.5%
330Mohave County, AZ2,123$7,0422.79%62.4%6.5%
331Nash County, NC957$7,0302.61%52%6.15%
332Sevier County, TN684$7,0132.26%58.9%6.5%
333Greenwood County, SC541$7,0092.95%54.2%6.375%
334Loudon County, TN793$7,0062%51.2%6.5%
335St. Clair County, AL1,107$6,9962.69%54.7%6.25%
336El Paso County, CO9,691$6,9951.8%58.1%6.125%
337Bell County, TX5,586$6,9922.69%62.5%6%
338Rogers County, OK1,033$6,9832.65%53.5%6.45%
339Livingston Parish, LA1,570$6,9822.93%51.3%6.375%
340Creek County, OK573$6,9793.11%60.4%6.5%
341Cumberland County, NC3,420$6,9712.85%57.4%6.25%
342Putnam County, NY838$6,9691.79%48%6.5%
343McClain County, OK599$6,9662.67%59.1%6.375%
344Clark County, WA5,082$6,9611.67%63.1%6.475%
345Knox County, TN5,475$6,9432.13%57.4%6.49%
346Marshall County, AL778$6,9382.88%65.4%6.25%
347Northampton County, PA2,510$6,9172.29%52.7%6.625%
348Lafourche Parish, LA591$6,9153.43%61.4%6.375%
349Washington County, OR5,494$6,9061.66%66.7%6.375%
350Burlington County, NJ4,136$6,8952.13%47.1%6.575%
351Marshall County, TN514$6,8792.45%54.7%6.25%
352Howard County, MD2,885$6,8781.47%48.1%6.49%
353Philadelphia County, PA9,202$6,8782.55%46.2%6.5%
354San Luis Obispo County, CA1,457$6,8661.22%42.1%6.575%
355Cook County, IL35,574$6,8622.34%38.8%6.625%
356Bryan County, GA859$6,8602.02%57.4%6.25%
357Mercer County, NJ2,662$6,8541.73%46%6.49%
358Yolo County, CA1,125$6,8481.52%54.3%6.375%
359Lebanon County, PA1,119$6,8312.67%53.4%6.5%
360Butte County, CA1,357$6,8202.41%59.7%6.49%
361Hunterdon County, NJ1,056$6,8181.62%38.4%6.588%
362Alachua County, FL2,141$6,8162.41%50.4%6.375%
363Clallam County, WA602$6,8142.05%62%6.5%
364Lehigh County, PA2,779$6,8132.28%49.8%6.575%
365Lee County, AL2,020$6,8102.31%63.4%6.375%
366Camden County, NJ4,042$6,8002.26%45.7%6.625%
367Sumter County, SC1,038$6,7983.07%56.6%6.25%
368Tuscaloosa County, AL1,790$6,7982.54%47.7%6.25%
369Lubbock County, TX3,214$6,7862.96%49.3%6.25%
370Adams County, PA984$6,7832.43%49.1%6.5%
371Aiken County, SC2,211$6,7752.72%53.9%6.25%
372Randall County, TX1,711$6,7722.86%41.6%6.375%
373Sussex County, DE3,440$6,7672.19%53.7%6.5%
374Muscogee County, GA1,446$6,7673.04%61.1%6.375%
375York County, PA4,563$6,7622.72%52.9%6.5%
376Chesterfield County, VA4,838$6,7611.96%54.6%6.437%
377Ocean County, NJ5,287$6,7531.94%39.7%6.624%
378Bibb County, GA1,112$6,7423.24%54.3%6.412%
379Montgomery County, MD7,614$6,7421.37%41.6%6.375%
380Williamson County, TN3,383$6,7331.04%45.4%6.49%
381Richland County, SC5,085$6,7202.72%56%6.25%
382Leon County, FL2,026$6,7192.53%48.3%6.49%
383Forsyth County, GA3,196$6,7191.36%49.4%6.375%
384Rankin County, MS1,719$6,7182.78%43%6.375%
385Fauquier County, VA792$6,7101.49%48.6%6.375%
386Loudoun County, VA4,899$6,7101.16%45%6.375%
387Pickens County, SC1,210$6,7082.61%59.6%6.375%
388Placer County, CA4,668$6,6991.44%56.7%6.375%
389Tulsa County, OK6,060$6,6962.8%52.1%6.5%
390Will County, IL6,838$6,6932.33%43.6%6.625%
391Luzerne County, PA2,264$6,6823.33%51.6%6.625%
392Lexington County, SC4,067$6,6722.62%55.5%6.48%
393Escambia County, FL3,427$6,6702.57%50.6%6.25%
394King County, WA17,849$6,6681.05%50.3%6.375%
395Wayne County, NC1,155$6,6652.82%56.8%6.25%
396Frederick County, VA1,278$6,6652.05%53.5%6.412%
397Tipton County, TN500$6,6582.66%51.8%6.25%
398Autauga County, AL658$6,6572.52%54%6.375%
399Canadian County, OK2,729$6,6472.61%51.4%6.25%
400Kendall County, IL1,701$6,6292.27%47.4%6.625%
401Carbon County, PA570$6,6293.3%46.3%6.625%
402Lee County, NC836$6,6192.39%54.5%6.15%
403Carroll County, MD1,630$6,6181.84%50%6.5%
404Franklin County, PA1,464$6,6182.77%53.8%6.5%
405Fairfax County, VA9,547$6,6121.19%40.6%6.375%
406Terrebonne Parish, LA608$6,6033.37%49.2%6.25%
407Arlington County, VA1,674$6,5961.15%38.4%6.25%
408Alexandria city, VA1,571$6,5911.36%41.2%6.25%
409Cochise County, AZ968$6,5912.71%62.3%6.375%
410Naugatuck Valley Planning Region, CT3,621$6,5812.33%42.6%6.5%
411Montgomery County, AL1,834$6,5792.83%54.4%6.375%
412Ascension Parish, LA1,229$6,5712.38%56.4%6.5%
413Moore County, NC1,590$6,5681.96%48.2%6.125%
414Jackson County, MS1,391$6,5593.08%45.1%6.29%
415Fayette County, TN564$6,5482.16%51.2%6.25%
416Lake County, IL5,966$6,5472.1%36.8%6.625%
417DuPage County, IL7,205$6,5451.94%33.7%6.625%
418Cumberland County, PA2,434$6,5352.31%50.2%6.5%
419Worcester County, MD502$6,5301.99%58%6.625%
420Sherburne County, MN1,199$6,5242.04%61.6%6.5%
421South Central Connecticut Planning Region, CT3,822$6,5072.11%42.7%6.5%
422Anderson County, TN775$6,5052.36%58.2%6.489%
423Lancaster County, PA3,876$6,5042.24%51.3%6.5%
424Missoula County, MT813$6,4711.71%60.5%6.5%
425Kane County, IL5,069$6,4682.18%40.1%6.625%
426Cape May County, NJ508$6,4661.69%44.3%6.625%
427Wilson County, TN2,469$6,4641.71%60.2%6.25%
428Wright County, MN2,237$6,4522.07%64.1%6.498%
429Tangipahoa Parish, LA984$6,4482.82%47.5%6.375%
430Northeastern Connecticut Planning Region, CT987$6,4452.29%49.8%6.6%
431Lackawanna County, PA1,360$6,4342.89%45.7%6.624%
432Rowan County, NC1,587$6,4312.5%53.4%6.49%
433Maury County, TN1,664$6,4311.87%61.5%6.375%
434Grundy County, IL513$6,4242.56%38.6%6.625%
435Hampden County, MA3,314$6,4202.42%49.4%6.499%
436Elmore County, AL950$6,4202.45%51.6%6.375%
437Shelby County, TN5,630$6,4192.52%49.9%6.375%
438Orleans Parish, LA1,878$6,4102.12%47.4%6.5%
439Richmond County, GA1,431$6,3893%53%6.25%
440Charleston County, SC4,612$6,3861.46%47%6.375%
441Robertson County, TN1,081$6,3761.97%57.6%6.25%
442Bradley County, TN1,018$6,3742.32%51.3%6.375%
443Butler County, PA1,966$6,3712.09%54.9%6.5%
444Lamar County, MS559$6,3682.8%51.3%6.49%
445McHenry County, IL3,573$6,3662.33%40.6%6.625%
446Rapides Parish, LA706$6,3593.26%48.3%6.375%
447Potter County, TX658$6,3573.48%40.7%6.5%
448Mobile County, AL3,322$6,3322.65%55.8%6.375%
449Calhoun County, AL870$6,3203.36%46.6%6.375%
450Campbell County, VA516$6,3172.65%53.5%6.5%
451Grady County, OK630$6,3142.9%57.1%6.5%
452Greenville County, SC6,562$6,3122.17%56.1%6.375%
453Jefferson Parish, LA2,317$6,3112.68%46.2%6.499%
454Davidson County, NC1,928$6,3092.52%55.2%6.49%
455Stanly County, NC788$6,3092.48%50.3%6.375%
456Talladega County, AL588$6,2913.35%54.9%6.25%
457Harrison County, MS2,103$6,2872.65%44.2%6.25%
458Bernalillo County, NM5,490$6,2872.18%55.1%6.49%
459Nevada County, CA852$6,2841.54%46.6%6.532%
460Mesa County, CO1,831$6,2791.9%55.5%6.624%
461Davidson County, TN7,272$6,2581.61%54.3%6.375%
462Cullman County, AL657$6,2572.82%52.1%6.375%
463Madison County, OH572$6,2412.42%59.4%6.375%
464Lonoke County, AR974$6,2362.95%51.6%6.375%
465Beaufort County, SC2,530$6,2261.64%41%6.375%
466Washington County, PA1,710$6,2172.74%52.8%6.499%
467Santa Fe County, NM1,103$6,2091.53%57.8%6.5%
468Schuylkill County, PA993$6,1993.66%47.6%6.625%
469East Baton Rouge Parish, LA3,384$6,1752.6%52%6.5%
470Rockingham County, VA715$6,1722.2%55.8%6.5%
471Fairfield County, OH1,874$6,1632.34%54.5%6.5%
472Hinds County, MS1,063$6,1563.1%39.7%6.375%
473Etowah County, AL782$6,1503.21%46.4%6.375%
474Bossier Parish, LA1,287$6,1392.39%42.9%6.25%
475Providence County, RI4,646$6,1361.78%49.7%6.5%
476Dauphin County, PA2,293$6,1342.58%48.5%6.5%
477Johnston County, NC3,759$6,1332.07%55.1%6.15%
478Limestone County, AL2,051$6,1322.17%58.5%6%
479Anoka County, MN4,016$6,1261.98%61.4%6.5%
480Chisago County, MN597$6,1242.04%59.8%6.5%
481James City County, VA976$6,1131.77%53.7%6.375%
482Atlantic County, NJ1,993$6,1042.2%39.7%6.625%
483Logan County, OK704$6,0802.39%53%6.5%
484Craighead County, AR1,085$6,0502.79%55.6%6.375%
485St. Tammany Parish, LA2,775$6,0362.24%47.6%6.39%
486Union County, NC3,384$6,0351.55%53.4%6.373%
487Caddo Parish, LA1,333$6,0313.13%43.7%6.5%
488Otero County, NM527$6,0312.73%55.4%6.25%
489Hamilton County, TN3,908$6,0311.95%53%6.5%
490Putnam County, TN680$6,0292.28%50.7%6.499%
491Pulaski County, MO594$6,0282.93%55.6%6.375%
492Greene County, TN503$6,0242.49%49.7%6.5%
493Gaston County, NC3,166$6,0172.08%58%6.375%
494Ouachita Parish, LA899$6,0012.99%49.5%6.5%
495Cabarrus County, NC2,853$5,9971.82%52.8%6.49%
496Ward County, ND620$5,9762.42%37.9%6.125%
497Hardin County, KY1,126$5,9702.34%46.9%6.25%
498Dutchess County, NY1,862$5,9681.74%51.9%6.5%
499Coffee County, AL623$5,9662.48%54.6%6.375%
500Northwest Hills Planning Region, CT940$5,9641.97%36.6%6.5%
501Henrico County, VA3,452$5,9581.81%51.7%6.5%
502York County, SC4,058$5,9551.8%55.6%6.375%
503Calcasieu Parish, LA1,343$5,9383.05%53.5%6.5%
504Wilson County, NC637$5,9342.63%47.1%6.375%
505Wichita County, TX992$5,9323.32%49.7%6.49%
506Oconee County, SC702$5,9312.15%55.1%6.49%
507Allegheny County, PA9,600$5,9302.5%49.1%6.5%
508Ashtabula County, OH655$5,9273.6%59.1%6.625%
509Comanche County, OK1,124$5,9173.13%62.2%6.375%
510Colbert County, AL576$5,9042.89%44.3%6.375%
511Cleveland County, NC790$5,9032.51%51.9%6.375%
512Randolph County, NC1,158$5,8992.52%47%6.49%
513Hanover County, VA1,191$5,8901.62%47.9%6.5%
514Bristol County, MA3,889$5,8881.55%41.9%6.5%
515Rice County, MN517$5,8812.25%56.3%6.5%
516Lafayette Parish, LA2,637$5,8782.71%46.6%6.375%
517Haywood County, NC603$5,8751.88%40.1%6.25%
518Davie County, NC506$5,8682.22%53.6%6.361%
519Cleveland County, OK2,531$5,8652.63%50.1%6.49%
520Oklahoma County, OK6,656$5,8532.58%49.8%6.375%
521Granville County, NC530$5,8412.1%48.3%6.375%
522Baldwin County, AL3,759$5,8402%54.2%6.25%
523Southeastern Connecticut Planning Region, CT2,328$5,8381.96%40%6.5%
524Madison County, MS1,202$5,8361.93%41.9%6.5%
525Geauga County, OH756$5,8241.88%51.3%6.595%
526Westmoreland County, PA2,871$5,8212.88%50.5%6.5%
527Burleigh County, ND849$5,8201.94%34.2%6.25%
528Plymouth County, MA4,249$5,8161.22%35.3%6.5%
529Madison County, AL5,550$5,8042.04%56.5%6.125%
530Morgan County, AL1,107$5,8002.58%50%6.45%
531Albemarle County, VA990$5,7971.4%42.7%6.5%
532Shelby County, AL3,059$5,7972.03%52.3%6.375%
533Craven County, NC1,330$5,7962.35%43.2%6.25%
534Wayne County, OH774$5,7922.77%58.5%6.625%
535Kankakee County, IL716$5,7752.82%52.7%6.625%
536Warren County, KY1,172$5,7752.39%56.2%6.375%
537New York County, NY4,320$5,7610.89%33.8%6.125%
538Scott County, MN1,785$5,7351.7%59.8%6.49%
539Horry County, SC6,446$5,7282.43%59.3%6.375%
540Capitol Planning Region, CT7,296$5,7251.89%36%6.5%
541Carver County, MN1,497$5,7201.62%57.8%6.499%
542Bedford County, VA781$5,7191.86%47.5%6.5%
543Jefferson County, NY862$5,7182.76%53.6%6.25%
544Centre County, PA879$5,7031.86%37.4%6.375%
545Caldwell County, NC633$5,6952.52%45%6.5%
546Lincoln County, SD802$5,6951.87%36.4%6.25%
547Lower Connecticut River Valley Planning Region, CT1,477$5,6811.8%38.1%6.5%
548Alamance County, NC2,120$5,6792.2%53.3%6.25%
549Kent County, RI1,734$5,6681.71%49%6.5%
550Franklin County, NC1,096$5,6671.8%51.3%6.25%
551Washington County, MN3,522$5,6571.72%59.9%6.5%
552Grand Forks County, ND531$5,6572.09%38.6%6.275%
553Pender County, NC994$5,6481.58%46%6.25%
554Beaver County, PA1,458$5,6463.18%50.5%6.5%
555Medina County, OH1,924$5,6382.08%53.1%6.5%
556Cass County, ND1,716$5,6341.9%40.2%6.25%
557Dakota County, MN4,853$5,6331.82%58.2%6.5%
558Forrest County, MS514$5,6322.95%42.8%6.383%
559Ross County, OH526$5,6182.72%45.2%6.625%
560Richmond city, VA1,867$5,6141.67%46.3%6.5%
561Payne County, OK519$5,6062.82%52.2%6.5%
562Muskingum County, OH724$5,6032.94%43%6.75%
563Worcester County, MA6,664$5,5971.48%41.2%6.571%
564Jasper County, SC952$5,5802.07%48%6.25%
565Lynchburg city, VA738$5,5802.47%55.3%6.5%
566Saline County, AR1,717$5,5792.44%54.5%6.49%
567Essex County, MA5,354$5,5761.1%33.8%6.49%
568Pottawatomie County, OK633$5,5703.07%45.3%6.5%
569Iredell County, NC2,736$5,5621.8%51.6%6.375%
570Denver County, CO6,398$5,5621.32%49.4%6.49%
571Lauderdale County, AL826$5,5562.62%38.4%6.375%
572Faulkner County, AR1,398$5,5532.38%51.4%6.375%
573Santa Clara County, CA8,763$5,5530.48%21.5%5.99%
574Morgan County, IN992$5,5502.28%58.8%6.5%
575Lancaster County, SC1,792$5,5331.77%61.1%6.375%
576Mecklenburg County, NC12,670$5,5321.47%51.5%6.375%
577Washington County, TN1,294$5,5302.06%50.2%6.5%
578Mercer County, PA675$5,5283.48%44.1%6.625%
579Hennepin County, MN12,449$5,5171.73%54.1%6.5%
580Guilford County, NC4,576$5,5132.19%49.7%6.49%
581Stark County, OH3,477$5,5132.86%62.4%6.625%
582Ulster County, NY961$5,5121.66%53.4%6.5%
583Roanoke city, VA879$5,5112.65%58.2%6.55%
584Union County, OH1,252$5,5101.28%52.2%6.25%
585Lake County, OH2,609$5,5072.72%55.6%6.625%
586Shelby County, KY539$5,4961.98%48.1%6.418%
587Franklin County, OH11,472$5,4952.08%51.9%6.5%
588Sullivan County, TN1,626$5,4912.41%49.9%6.5%
589Middlesex County, MA10,651$5,4880.9%25.7%6.375%
590Larimer County, CO4,129$5,4881.44%57.8%6.375%
591Saratoga County, NY1,833$5,4851.51%37.9%6.375%
592Erie County, PA1,829$5,4702.91%38.6%6.625%
593Norfolk County, MA5,102$5,4660.94%26.8%6.375%
594Lincoln County, NC1,124$5,4621.81%51.8%6.375%
595Buncombe County, NC2,126$5,4521.52%40.6%6.437%
596Licking County, OH1,874$5,4522.04%48.2%6.5%
597Catawba County, NC2,031$5,4462.02%51.8%6.25%
598Minnehaha County, SD1,797$5,4421.82%33.2%6.25%
599Portage County, OH1,265$5,4412.33%52.6%6.625%
600Wood County, WV506$5,4373.39%60.5%6.5%
601Crow Wing County, MN550$5,4282.21%43.6%6.5%
602Houston County, AL879$5,4282.64%50.2%6.5%
603Johnson County, MO657$5,4182.35%42%6.49%
604Suffolk County, MA3,934$5,4140.97%27.4%6.25%
605Clay County, MN651$5,4122.3%48.7%6.375%
606Trumbull County, OH1,630$5,4083.45%58%6.625%
607Jefferson County, AL5,603$5,4022.22%52.3%6.49%
608Androscoggin County, ME894$5,3841.99%41.2%6.5%
609Lee County, MS629$5,3782.6%48.3%6.49%
610Cumberland County, TN522$5,3722.32%47.1%6.5%
611Ramsey County, MN4,401$5,3691.95%55.3%6.575%
612Clark County, OH1,313$5,3653.01%53.2%6.625%
613Forsyth County, NC4,094$5,3592.17%50.9%6.49%
614Cuyahoga County, OH9,746$5,3572.53%50.7%6.55%
615Augusta County, VA704$5,3561.88%48%6.5%
616Lawrence County, PA620$5,3553.55%48.5%6.5%
617Rockingham County, NC933$5,3482.51%47.2%6.375%
618Stearns County, MN1,309$5,3422.21%49.7%6.5%
619Lorain County, OH3,675$5,3412.39%57%6.5%
620Oldham County, KY800$5,3331.34%44.8%6.5%
621Montgomery County, VA615$5,3291.78%49.3%6.5%
622Roanoke County, VA1,065$5,3272.03%54.2%6.5%
623Summit County, OH5,229$5,3222.69%55.5%6.625%
624Pitt County, NC1,642$5,3012.17%42.8%6.375%
625Burke County, NC611$5,2942.29%43.5%6.49%
626Niagara County, NY1,573$5,2792.59%47.7%6.5%
627Madison County, KY1,005$5,2632.24%47.4%6.5%
628Tuscarawas County, OH500$5,2632.79%59.2%6.625%
629St. Louis County, MN1,609$5,2602.46%48.5%6.625%
630St. Francois County, MO618$5,2422.92%42.2%6.625%
631Olmsted County, MN1,636$5,2331.79%45.2%6.451%
632Washington County, RI829$5,2291.26%34.5%6.5%
633Barnstable County, MA1,366$5,2201.17%35.1%6.5%
634Jefferson County, CO6,349$5,2181.18%53.3%6.445%
635Orange County, NC1,065$5,2161.46%45%6.375%
636Henderson County, NC1,263$5,1991.67%42.9%6.375%
637Scott County, KY833$5,1961.88%46.5%6.5%
638Fayette County, PA673$5,1903.65%39.7%6.375%
639Erie County, NY6,939$5,1852.16%48.8%6.5%
640Blair County, PA664$5,1843.28%54.5%6.5%
641Brunswick County, NC3,326$5,1721.81%47.4%6.25%
642Lycoming County, PA697$5,1712.81%42.2%6.5%
643Columbiana County, OH694$5,1693.22%60.7%6.625%
644Knox County, OH627$5,1542.23%44.8%6.625%
645Carteret County, NC707$5,1521.62%40.9%6.25%
646Delaware County, OH3,085$5,1481.25%50.7%6.375%
647Monroe County, MI1,511$5,1462.39%42.4%6.625%
648Marion County, OH551$5,1082.97%57.4%6.625%
649Lapeer County, MI790$5,1062%48%6.625%
650Wood County, OH1,131$5,0972.21%49.1%6.625%
651Hampshire County, MA848$5,0931.59%33%6.375%
652Chatham County, NC876$5,0811.14%42.4%6.25%
653Lucas County, OH3,345$5,0802.91%51.2%6.625%
654Kanawha County, WV1,145$5,0623.38%49.8%6.5%
655Mahoning County, OH1,952$5,0583.02%56.3%6.625%
656Hancock County, OH697$5,0552.53%49.9%6.625%
657White County, AR729$5,0522.72%46.6%6.375%
658Butler County, OH3,739$5,0312.05%47.9%6.625%
659Erie County, OH583$5,0242.65%51.1%6.625%
660Chittenden County, VT1,353$5,0241.4%20.8%6.375%
661Cabell County, WV560$5,0163.13%57%6.5%
662Warren County, OH3,111$4,9981.49%48.3%6.5%
663Pulaski County, AR3,565$4,9522.28%45.7%6.5%
664Madison County, TN700$4,9472.09%43.4%6.49%
665New Hanover County, NC2,318$4,9371.38%37.7%6.412%
666Clermont County, OH2,590$4,9281.91%52.7%6.5%
667Bullitt County, KY1,082$4,9232.18%48.3%6.5%
668Durham County, NC3,512$4,9191.52%51.1%6.25%
669Shiawassee County, MI647$4,9092.89%49.5%6.625%
670Montcalm County, MI546$4,8972.36%53.1%6.625%
671Genesee County, MI3,734$4,8962.84%46.8%6.625%
672Wake County, NC14,237$4,8881.27%46.8%6.25%
673Sebastian County, AR937$4,8832.64%50.3%6.375%
674Miami County, OH1,254$4,8752.22%47.5%6.5%
675Shelby County, IN527$4,8682.39%58.3%6.5%
676Wayne County, MI12,494$4,8682.5%48.1%6.625%
677St. Clair County, MI1,466$4,8632.41%54.2%6.625%
678Douglas County, CO5,982$4,8580.97%56.8%6.25%
679York County, ME1,869$4,8181.36%31.5%6.625%
680Rensselaer County, NY1,145$4,8051.77%42%6.375%
681Albany County, NY2,116$4,7921.65%40.6%6.375%
682Jessamine County, KY519$4,7771.71%41.2%6.5%
683Montgomery County, OH5,587$4,7762.5%49.8%6.5%
684Belknap County, NH522$4,7751.46%37.9%6.625%
685DeKalb County, IL1,045$4,7712.11%46.8%6.625%
686Newton County, MO545$4,7702.67%47%6.625%
687Chemung County, NY621$4,7673.15%42.4%6.5%
688Rockingham County, NH2,856$4,7661.12%31.5%6.5%
689Greene County, OH1,940$4,7651.93%51.5%6.49%
690Woodbury County, IA719$4,7572.42%33.2%6.375%
691Hillsborough County, NH3,639$4,7521.28%36.9%6.6%
692Schenectady County, NY1,364$4,7491.9%42.4%6.375%
693Washington County, AR2,665$4,7451.71%50.8%6.375%
694Warren County, MO505$4,7352%32.5%6.5%
695Sumter County, FL3,091$4,7231.7%36.4%6.546%
696Hamilton County, OH7,522$4,7131.87%44.1%6.625%
697Broomfield County, CO794$4,6941.09%51.1%6.375%
698Jefferson County, KY8,351$4,6802.03%52.3%6.59%
699Macomb County, MI8,493$4,6742.07%46.6%6.625%
700Campbell County, KY1,131$4,6712%45.4%6.625%
701Lenawee County, MI857$4,6542.4%48.3%6.625%
702Cambria County, PA720$4,6543.67%49.3%6.5%
703Monongalia County, WV842$4,6541.7%38.2%6.29%
704Livingston County, MI1,970$4,6471.45%45%6.587%
705Ontario County, NY777$4,6441.89%37.8%6.625%
706Boone County, KY1,700$4,6281.77%46.1%6.5%
707Cumberland County, ME2,680$4,6251.13%28.9%6.5%
708Benton County, AR4,738$4,6221.47%50.5%6.375%
709Lake County, IN4,695$4,6172.1%55.3%6.624%
710Penobscot County, ME1,181$4,6092.12%37.6%6.5%
711Oswego County, NY630$4,6062.54%50.2%6.5%
712Grafton County, NH583$4,6051.39%30.7%6.6%
713Cheshire County, NH579$4,6021.63%39.9%6.623%
714Kennebec County, ME1,061$4,5921.76%30.7%6.5%
715Merrimack County, NH1,414$4,5881.36%33.3%6.625%
716Johnson County, IN2,590$4,5761.76%59.4%6.49%
717Oneida County, NY1,380$4,5742.29%42%6.375%
718Steuben County, NY557$4,5692.82%38.6%6.5%
719Garland County, AR806$4,5692.16%56.6%6.5%
720Van Buren County, MI547$4,5471.93%43.7%6.625%
721Strafford County, NH1,044$4,5261.22%30.2%6.611%
722Fayette County, KY2,397$4,5241.63%42.1%6.5%
723Onondaga County, NY3,161$4,5222%43.8%6.49%
724Porter County, IN1,916$4,5131.79%51.7%6.625%
725Allen County, OH806$4,5072.56%44.7%6.625%
726Kenton County, KY2,121$4,5011.87%45.9%6.5%
727Jefferson County, MO2,624$4,4921.97%34.2%6.625%
728St. Croix County, WI1,021$4,4881.49%55.4%6.5%
729Chautauqua County, NY653$4,4873.03%44.1%6.625%
730Oakland County, MI12,350$4,4861.46%41.4%6.575%
731Jackson County, MI1,344$4,4822.54%46.9%6.625%
732Clark County, IN1,809$4,4692.02%51.5%6.5%
733LaPorte County, IN782$4,4632.24%46.4%6.75%
734Grand Traverse County, MI722$4,4561.42%41.8%6.5%
735Lincoln County, MO659$4,4541.77%31.1%6.625%
736Boulder County, CO2,775$4,4520.96%46.7%6.49%
737Jasper County, MO1,289$4,4492.79%45.2%6.624%
738Berkshire County, MA901$4,4321.78%27.6%6.5%
739Hendricks County, IN2,870$4,4221.66%59.1%6.375%
740Monroe County, NY5,849$4,4191.95%32.9%6.625%
741Richland County, OH1,072$4,4022.63%42.7%6.625%
742Ionia County, MI549$4,3812.01%42.4%6.625%
743Washtenaw County, MI2,807$4,3551.38%42.6%6.5%
744LaSalle County, IL799$4,3412.5%37.3%6.625%
745Midland County, MI714$4,3391.96%42.2%6.625%
746St. Louis County, MO8,922$4,3341.69%30.4%6.575%
747Allegan County, MI1,008$4,3321.57%45.1%6.615%
748Muskegon County, MI1,744$4,3222.2%55.5%6.625%
749Wayne County, NY668$4,3152.07%32.6%6.625%
750Daviess County, KY950$4,3092.3%34.8%6.375%
751Clinton County, MI761$4,2951.72%43.4%6.625%
752Eaton County, MI1,004$4,2812.13%48.3%6.625%
753St. Joseph County, MI521$4,2812.43%45.5%6.625%
754Franklin County, MO947$4,2762.06%32.3%6.5%
755Leavenworth County, KS872$4,2681.78%49.7%6.5%
756Barry County, MI526$4,2671.82%45.6%6.624%
757St. Charles County, MO4,954$4,2431.43%31.5%6.624%
758Sedgwick County, KS5,394$4,2302.14%51.2%6.5%
759Madison County, IN1,392$4,2252.43%54.5%6.625%
760Buchanan County, MO827$4,1862.56%45.5%6.625%
761Bay County, MI875$4,1632.91%40.2%6.625%
762St. Louis city, MO2,278$4,1621.95%34.2%6.624%
763Kent County, MI6,191$4,1601.45%46.8%6.5%
764Elkhart County, IN1,685$4,1591.89%49.9%6.75%
765Broome County, NY1,035$4,1582.35%37.6%6.5%
766Marion County, IN9,301$4,1522%51%6.5%
767Ingham County, MI2,423$4,1342.45%43.4%6.625%
768Christian County, MO1,138$4,1341.64%38.1%6.607%
769Berrien County, MI1,207$4,1131.89%38.7%6.625%
770Hancock County, IN1,815$4,1061.56%64.5%6.25%
771Wyandotte County, KS1,313$4,0932.07%47%6.625%
772Butler County, KS742$4,0792.12%50.3%6.5%
773Cole County, MO615$4,0562.15%35.4%6.5%
774Saginaw County, MI1,440$4,0522.55%39.4%6.625%
775Greene County, MO3,149$4,0441.9%40.7%6.5%
776Ottawa County, MI2,590$4,0201.35%46.6%6.5%
777Pottawattamie County, IA869$4,0082.12%42.8%6.625%
778Eau Claire County, WI864$3,9851.63%37.4%6.5%
779Jackson County, MO7,554$3,9791.86%39.4%6.5%
780Cass County, MO1,414$3,9681.59%39.5%6.5%
781Kalamazoo County, MI2,331$3,9631.77%47.2%6.625%
782Calhoun County, MI1,155$3,9552.44%41%6.625%
783Clay County, MO3,230$3,9221.57%41.9%6.5%
784Floyd County, IN1,018$3,9071.79%50.1%6.5%
785Winnebago County, IL2,423$3,9012.43%26.2%6.625%
786Sarpy County, NE2,780$3,8261.39%35.6%6.375%
787Hamilton County, IN5,666$3,7991.03%49%6.499%
788Boone County, IN1,298$3,7881.07%52.5%6.375%
789Platte County, MO1,305$3,7761.31%42.4%6.5%
790Walworth County, WI826$3,7761.35%34.1%6.625%
791Cape Girardeau County, MO686$3,7721.89%36.2%6.5%
792Macon County, IL867$3,7583.03%31%6.625%
793Kosciusko County, IN723$3,7251.79%46.7%6.75%
794Dane County, WI5,045$3,7031.08%35.8%6.5%
795St. Joseph County, IN2,419$3,6851.89%43.5%6.625%
796Rock County, WI1,614$3,6411.62%37.7%6.625%
797St. Clair County, IL2,362$3,6122.04%35.3%6.5%
798Kenosha County, WI1,341$3,6051.39%38.2%6.5%
799Howard County, IN1,075$3,6012.37%49.6%6.75%
800Douglas County, NE5,826$3,5871.44%32.4%6.5%
801DeKalb County, IN516$3,5181.84%45.9%6.625%
802Tippecanoe County, IN1,664$3,5081.47%45.9%6.625%
803Wayne County, IN513$3,5012.61%54.8%6.75%
804Bartholomew County, IN907$3,5001.56%42.8%6.5%
805Vanderburgh County, IN1,860$3,4972.07%33%6.5%
806Madison County, IL2,645$3,4941.95%29.6%6.625%
807Shawnee County, KS1,484$3,4322.02%42.9%6.5%
808Jefferson County, WI682$3,4301.26%35.6%6.625%
809Johnson County, KS7,184$3,4180.96%36.2%6.5%
810Winnebago County, WI1,598$3,4081.48%28.7%6.5%
811Calumet County, WI543$3,3981.28%28.5%6.49%
812Outagamie County, WI1,975$3,3941.31%25.3%6.49%
813Warrick County, IN705$3,3881.42%30.2%6.5%
814Delaware County, IN986$3,3832.17%46.9%6.625%
815McLean County, IL1,581$3,3821.69%32.1%6.625%
816Boone County, MO1,513$3,3501.37%36%6.5%
817Marathon County, WI1,068$3,3491.6%30.9%6.5%
818Vigo County, IN891$3,3432.15%38%6.75%
819Brown County, WI2,461$3,3381.21%22%6.49%
820Columbia County, WI572$3,3371.29%37.4%6.5%
821Dodge County, WI754$3,3331.42%34.6%6.625%
822Rock Island County, IL1,219$3,2952.35%32.8%6.375%
823Wood County, WI600$3,2951.86%39.5%6.5%
824Allen County, IN4,616$3,2941.58%40.1%6.625%
825Sheboygan County, WI824$3,2801.38%27.9%6.5%
826Monroe County, IN1,007$3,2781.26%35.9%6.5%
827Milwaukee County, WI6,758$3,2661.37%35.4%6.625%
828Racine County, WI1,824$3,2361.33%33.6%6.5%
829La Crosse County, WI903$3,1891.23%23.6%6.625%
830Champaign County, IL1,359$3,1851.6%30.6%6.625%
831Manitowoc County, WI711$3,1601.57%24.6%6.49%
832Waukesha County, WI4,090$3,1470.85%28.5%6.625%
833Fond du Lac County, WI920$3,1411.45%28.9%6.5%
834Washington County, WI1,372$3,1091.05%30.6%6.624%
835Douglas County, KS898$3,0681.26%33.3%6.624%
836Ozaukee County, WI810$3,0570.85%27.8%6.625%
837Lancaster County, NE3,139$2,9981.27%28.4%6.5%
838Peoria County, IL1,657$2,9301.87%27.8%6.5%
839Warren County, IA820$2,9121.16%27.3%6.375%
840Tazewell County, IL1,240$2,8891.89%25.7%6.5%
841Story County, IA676$2,8381.19%24.4%6.375%
842Polk County, IA5,772$2,7961.25%26.9%6.375%
843Scott County, IA1,975$2,7271.55%31.9%6.375%
844Dallas County, IA1,803$2,6350.85%24%6.25%
845Sangamon County, IL1,859$2,6341.51%19.8%6.625%
846Dubuque County, IA998$2,4361.21%16.2%6.127%
847Linn County, IA2,716$2,1171.25%21.3%6.25%
848Black Hawk County, IA1,253$1,9591.21%13%6.25%
849Johnson County, IA1,752$1,9190.78%13.9%6.125%

Highest and lowest county in each state

How Payotte computed it

Loans: home purchase loans originated, first lien, principal residence, site-built single-family (1-4 units), not reverse mortgages, open-end lines or business-purpose loans, with total loan costs reported. For each county with at least 500 such loans, Payotte computed the median and quartiles of total loan costs, the median origination charges, the share of borrowers paying discount points or receiving lender credits, and the median interest rate. Loan types are shown on county pages when they have at least 100 loans.

Questions

Where are mortgage closing costs highest in the US?

Among the 849 counties Payotte analysed for 2025: Miami-Dade County, FL, median $13,341; Maui County, HI, median $12,736; Imperial County, CA, median $12,383.

What do these figures include?

The "total loan costs" of the Closing Disclosure: origination charges and the services the lender requires. Transfer taxes, recording fees, prepaid items and escrow are not included.

General information drawn from the official sources cited and dated on this page. It is not legal, tax or financial advice: for your own situation, ask a licensed professional.

Closing costs explained · Local transfer taxes · All states

Sources