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How much are closing costs in my state?

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As of Oct. 22, 2026 · newest HMDA data: 2025

Closing costs are the fees you pay to get a mortgage and close on a home. Lenders must report each loan's costs to the federal government, so here is what buyers actually paid in every state, plus a check for your own Loan Estimate.

Short answer: On a conventional loan to buy a home in 2025, the median borrower paid $5,560 in loan costs (the Closing Disclosure's Total Loan Costs), about 1.69% of the loan amount, across 1,775,002 loans in federal HMDA data. The highest state medians were Hawaii ($9,730), California ($7,891), Idaho ($7,262); the lowest were Iowa ($2,380), Nebraska ($3,102), Wisconsin ($3,226). Tennessee: $5,315. Taxes, recording fees, prepaid interest, escrow and your down payment come on top.

Source: HMDA Data Browser · 12 CFR 1003.4

Best move: compare section D on 3+ Loan Estimates

Get Loan Estimates from 3 or more lenders and compare section D (Total Loan Costs) side by side. A state median is a yardstick, not a price. If one lender's section D is far above your state's middle range, ask why; it may be discount points you can drop.

The math:

  • Total Loan Costs = section A (origination charges) + B (services you can't shop for) + C (services you can shop for), borrower-paid. U.S. median 2025: $5,560.
  • Share of loan = Total Loan Costs ÷ loan amount. Example (made up): a $320,000 loan at Tennessee's median share (1.67%) ≈ $5,344.
  • Cash to close also adds section E (taxes and government fees), F (prepaids), G (escrow), H (other) and your down payment, minus credits.

Sources: 12 CFR 1026.38 · CFPB Loan Estimate

A best fit for the situation described, not financial advice or a buy/sell recommendation. Partner links never change a pick.

Your roadmap

  1. Look up your state above, or in the table below.
  2. Get 3+ Loan Estimates on the same day for the same loan amount and lock period; compare section A and D, not just the rate.
  3. Shop the section C services (title, survey, pest) the lender lets you choose; the Loan Estimate lists which ones.
  4. Check fee tolerances before closing with the Loan Estimate checklist: many fees can't rise at all, others only 10% in total.
  5. Compare the Closing Disclosure to your Loan Estimate; you get it at least 3 business days before closing (CFPB Closing Disclosure).

Every state: loan costs on a conventional home purchase loan, 2025

Median (middle) borrower-paid Total Loan Costs from the Closing Disclosure; the middle half of loans fell in the range shown; origination = the lender's own charges (section A); % = the median loan's costs as a share of the loan amount.

StateMedianMiddle halfOrigination% of loanLoans
Alabama$4,371$3,371–$6,375$2,0931.80%21,410
Alaska$5,655$3,776–$8,361$3,0881.81%2,550
Arizona$6,464$4,914–$9,450$2,1631.76%43,748
Arkansas$3,853$3,086–$5,359$1,6901.62%13,712
California$7,891$5,778–$11,875$2,2701.31%145,291
Colorado$4,613$3,448–$8,244$2,2001.16%43,896
Connecticut$5,891$4,775–$8,352$1,6701.66%21,042
Delaware$6,048$4,740–$8,455$2,3221.88%6,979
District of Columbia$7,150$5,656–$9,905$1,7001.25%3,919
Florida$6,750$4,830–$10,354$2,2852.01%126,500
Georgia$6,344$4,727–$9,155$2,8661.92%54,952
Hawaii$9,730$6,656–$14,992$5,1102.04%4,805
Idaho$7,262$5,036–$10,331$3,9902.07%13,839
Illinois$6,077$3,845–$7,094$1,5701.97%74,118
Indiana$3,347$2,642–$4,494$1,5431.41%47,358
Iowa$2,380$1,949–$3,316$9501.22%22,043
Kansas$3,288$2,727–$4,263$1,3671.36%16,956
Kentucky$4,010$3,136–$5,436$1,4951.68%22,461
Louisiana$4,885$3,890–$6,607$1,6642.02%13,204
Maine$4,276$3,605–$5,525$1,6701.33%7,420
Maryland$6,152$4,842–$9,096$2,2251.67%33,475
Massachusetts$5,197$4,362–$6,665$1,5901.05%37,580
Michigan$4,140$3,397–$5,483$1,5451.70%64,624
Minnesota$5,089$4,040–$7,069$2,3681.83%43,063
Mississippi$4,450$3,587–$6,009$1,6391.95%7,947
Missouri$3,708$2,995–$4,629$1,4001.47%37,135
Montana$6,546$4,775–$9,388$3,4952.00%5,276
Nebraska$3,102$2,589–$3,915$1,2451.28%11,896
Nevada$6,147$4,374–$9,602$2,4851.61%17,554
New Hampshire$4,454$3,845–$5,867$1,6901.17%9,002
New Jersey$6,664$5,228–$9,331$1,7861.55%48,456
New Mexico$5,200$3,735–$7,357$2,4051.82%8,319
New York$5,885$4,250–$8,921$1,8251.71%74,192
North Carolina$4,841$3,834–$6,767$2,1201.54%74,289
North Dakota$4,885$3,407–$6,570$2,7581.90%3,842
Ohio$4,613$3,614–$6,201$1,7441.97%73,650
Oklahoma$4,876$4,004–$6,474$1,6452.13%16,223
Oregon$6,465$4,718–$9,628$2,9591.70%24,613
Pennsylvania$5,879$4,666–$8,006$1,7902.18%70,064
Rhode Island$4,919$4,081–$6,519$1,6701.30%5,287
South Carolina$5,189$4,078–$7,375$2,0011.82%36,524
South Dakota$4,753$3,114–$6,553$2,8501.77%4,153
Tennessee$5,315$3,851–$7,712$2,0891.67%40,944
Texas$6,848$4,943–$9,924$2,1902.04%147,195
Utah$6,397$4,305–$9,947$3,7901.60%23,438
Vermont$4,835$3,923–$6,377$1,4251.55%3,404
Virginia$5,605$4,365–$8,105$1,9911.50%49,822
Washington$6,526$4,884–$9,949$2,9601.41%48,889
West Virginia$4,282$3,453–$5,744$1,6952.07%6,321
Wisconsin$3,226$2,546–$4,242$1,1501.21%39,208
Wyoming$5,603$3,922–$7,914$3,4001.90%2,414

Source: HMDA Data Browser · HMDA data fields. Our roll-up of HMDA 2025 loan-level data; method below.

Show me the details

What these numbers include (and don't)

  • Included: the Closing Disclosure's “Total Loan Costs (Borrower-Paid)”: the lender's origination charges and any discount points (A), services you couldn't shop for, such as the appraisal and credit report (B), and services you could shop for, often title and settlement fees (C). Lenders report this to the government under Regulation C.
  • Not included: section E taxes and government fees (for example transfer taxes and recording fees), F prepaids (homeowners insurance, prepaid interest, property taxes), G escrow deposits and H other costs (such as an owner's title policy or real estate commissions). These can be large in some states and are not in HMDA's public data.
  • Before lender credits: any credit from the lender (section J) is not subtracted, and costs the seller paid are not counted.

Source: 12 CFR 1003.4 · 12 CFR 1026.38 · HMDA data fields

How we built the state figures

  • We downloaded every home purchase loan that closed (was originated) in 2025 from the HMDA Data Browser, state by state (3,576,617 loans; our row counts match the Data Browser's own totals).
  • We kept conventional (not FHA, VA or USDA), first-lien, closed-end loans on a 1-unit, site-built principal residence, not for business use and not reverse mortgages, that reported Total Loan Costs. FHA, VA and USDA loans are left out so each state compares like with like.
  • The state figure is the median loan (half paid more, half less); the middle half runs from the 25th to the 75th percentile. Origination is the median of section A charges.
  • The public data rounds each loan amount to the middle of a $10,000 band, so the % of loan figures are close, not exact.

Limits of this data

  • It's 2025 data (the newest HMDA year, published in 2026); fees and loan sizes change.
  • Bigger loans usually carry bigger dollar costs, so high-price states rank high partly because their loans are larger. Use the % of loan column for a size-adjusted view.
  • Some smaller banks and credit unions are partly exempt from reporting these fields (they show “Exempt”); those loans are not in the medians.
  • We don't make loans or take referral fees from lenders on this page.

Not a quote and not advice. Medians for comparison only. Your costs depend on your lender, loan amount, points, title and appraisal fees, and your state and county.

Sources & as-of dates

FAQ

How much are closing costs on a house?

On a conventional home purchase loan in 2025, the median buyer paid $5,560 in loan costs (the Closing Disclosure's Total Loan Costs), about 1.69% of the loan amount; the middle half paid $3,956 to $8,166 (HMDA data). Taxes, recording fees, prepaids and escrow are extra.

Which states have the highest closing costs?

By median loan costs on conventional purchase loans in 2025: Hawaii ($9,730), California ($7,891), Idaho ($7,262).

Which states have the lowest closing costs?

By median loan costs on conventional purchase loans in 2025: Iowa ($2,380), Nebraska ($3,102), Wisconsin ($3,226).

How much are closing costs in Tennessee?

Tennessee's median conventional home purchase loan in 2025 had $5,315 in borrower-paid loan costs (1.67% of the loan); the middle half paid $3,851 to $7,712 (HMDA data).

Do these numbers include transfer taxes?

No. HMDA reports only the Loan Costs part of the Closing Disclosure (sections A, B and C). Transfer taxes and recording fees are in section E and are not in the public data.

How do I lower my closing costs?

Get Loan Estimates from at least 3 lenders and compare section D, shop the services the lender lets you choose (section C), and ask whether the price includes discount points.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.