# RealCostIQ - Closing Costs by State, 2026
# Source: LodeStar Software Solutions, Purchase Mortgage Closing Cost Data Report, published 2026-04-27, data period 2025-01-01 to 2025-12-31
# Fee set measured: settlement/closing/escrow fees, owner's and lender's title policies, recording charges, transfer taxes.
# EXCLUDES: lender origination fees, discount points, prepaid escrows, appraisal, inspection.
# This file contains ONLY figures we could verify. The source publishes its full state table as charts, not extractable
# data; unverified states are omitted rather than estimated.
# Licence: CC BY 4.0. Cite: RealCostIQ, "Closing Costs by State, 2026", https://realcostiq.com/data/closing-costs-by-state/

scope,measure,value,unit,note
National,Average total closing costs (with recording and transfer taxes),4528,USD,
National,Median total closing costs (with recording and transfer taxes),3492,USD,
National,Average total closing costs (excluding recording and taxes),2993,USD,
National,Median total closing costs (excluding recording and taxes),2923,USD,
National,Average closing costs as share of sales price,1.04,percent,Average of state-level averages; benchmark rather than population-weighted mean
National,Median closing costs as share of sales price,0.85,percent,
National,Average home sales price,433632,USD,
National,Median home sales price,406786,USD,
National,Prior-year average closing costs as share of sales price,1.06,percent,Year-over-year comparison
National,Prior-year median closing costs as share of sales price,0.86,percent,Year-over-year comparison
National,Year-over-year change in purchase-loan closing costs,-2.9,percent,
National,States with year-over-year decrease,28,count,
National,States with year-over-year increase,23,count,
Delaware,Closing costs as share of sales price,3.06,percent,Highest in the nation as a share of price
South Dakota,Closing costs as share of sales price,0.39,percent,Lowest in the nation
Colorado,Closing costs as share of sales price,0.50,percent,Second lowest
Iowa,Closing costs as share of sales price,0.56,percent,Third lowest
District of Columbia,Year-over-year change,-21.1,percent,Highest dollar-value closing costs nationally; decline driven by falling prices
New York,Ranking only,,,Named among the highest as a share of price; no figure published
Vermont,Ranking only,,,Named among the highest as a share of price; no figure published
Pennsylvania,Ranking only,,,Named among the highest as a share of price; no figure published