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Seller closing costs by state

What a seller pays to close on a $400,000 home in every state and DC, not counting commission. We worked out each one from the 2026 transfer tax rates and closing customs.

Rates last checked September 2026. Reviewed by Harrison Farrell, founder. How we get these numbers

Highest
Washington: $9,045
Median state
$2,270
Lowest
Louisiana: $345

How much are seller closing costs?

In the middle state, a seller pays about $2,270 to close on a $400,000 home. That is 0.6% of the price, not counting commission. Costs run from $345 to $9,045, based on the state.

Add the commission and the total is much bigger. At 5%, the middle state comes to about $22,270.

Which states cost sellers the most?

These five states cost sellers the most to close, not counting commission.

  1. Washington: $9,045
  2. Delaware: $8,735
  3. District of Columbia: $6,280
  4. Florida: $5,994
  5. Michigan: $5,405

Which states cost sellers the least?

These five states cost sellers the least to close, not counting commission.

  1. Louisiana: $345
  2. Tennessee: $407
  3. Georgia: $475
  4. Kentucky: $491
  5. Mississippi: $665

Why do closing costs differ by state?

Two things make most of the gap. The first is the transfer tax. In 17 states the seller pays no state transfer tax by default. Some states charge the seller 1% of the price or more. The second is who pays for the owner's title policy. In 25 states the seller usually pays for it. In the rest the buyer pays, the two sides split it, or it depends on the county.

Local taxes can add a lot. Philadelphia, San Francisco, New York City and many Maryland counties charge far more than their state's base rate. Open a state for county detail, or run a net sheet for an exact address.

Seller closing costs in every state

RankStateSeller closing costs% of priceSeller transfer taxWho pays owner's title
1Washington$9,0452.26%$6,405Seller
2Delaware$8,7352.18%$8,000Buyer
3District of Columbia$6,2801.57%$5,800Buyer
4Florida$5,9941.5%$2,800Seller
5Michigan$5,4051.35%$3,440Seller
6Connecticut$5,3101.33%$4,000Buyer
7Illinois$4,3071.08%$600Seller
8Pennsylvania$4,2901.07%$4,000Buyer
9Ohio$4,0941.02%$1,600Seller
10Rhode Island$4,0441.01%$3,000Buyer
11Nevada$3,7720.94%$1,560Seller
12New York$3,4850.87%$1,600Buyer
13New Hampshire$3,3350.83%$3,000Buyer
14New Jersey$3,3250.83%$3,215Buyer
15Massachusetts$3,1790.79%$1,824Buyer
16Minnesota$3,1110.78%$1,320Seller
17Wisconsin$2,9000.73%$1,200Seller
18Texas$2,7920.7%$0Seller
19Hawaii$2,7040.68%$400Split 50/50
20New Mexico$2,5470.64%$0Seller
21California$2,5170.63%$440Varies by county
22Oklahoma$2,4680.62%$600Seller
23Alabama$2,4250.61%$80Seller
24Nebraska$2,4060.6%$1,328Split 50/50
25Oregon$2,2810.57%$0Seller
26Arkansas$2,2700.57%$440Seller
27Arizona$2,1800.55%$0Seller
28Idaho$2,0300.51%$0Seller
29Utah$2,0300.51%$0Seller
30Alaska$2,0200.51%$0Seller
31Colorado$2,0150.5%$0Seller
32South Carolina$1,8850.47%$1,480Buyer
33Montana$1,8610.47%$0Seller
34Indiana$1,8300.46%$10Seller
35Missouri$1,8220.46%$0Seller
36Wyoming$1,7840.45%$0Seller
37North Dakota$1,7100.43%$0Seller
38Maryland$1,4600.36%$1,000Buyer
39South Dakota$1,4200.36%$400Split 50/50
40West Virginia$1,2220.31%$900Buyer
41Maine$1,1990.3%$880Buyer
42North Carolina$1,1710.29%$800Buyer
43Kansas$1,1290.28%$0Split 50/50
44Iowa$1,1160.28%$639Seller
45Vermont$1,0250.26%$0Buyer
46Virginia$9270.23%$400Buyer
47Mississippi$6650.17%$0Buyer
48Kentucky$4910.12%$400Buyer
49Georgia$4750.12%$400Buyer
50Tennessee$4070.1%$0Buyer
51Louisiana$3450.09%$0Buyer
 A $400,000 single-family sale with a $250,000 payoff. We used statewide rates with no county chosen. Commission and the property tax split are left out. Title and settlement fees are typical estimates.

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