2026 State-by-State Closing Cost Reference

50-State Home Seller Net Sheet & Closing Cost Guides

Transfer taxes, title insurance customs, and attorney requirements vary dramatically by state. Know your exact numbers upfront before interviewing real estate agents so you can protect your maximum walk-away equity.

Alabama (AL)Est. 1.2% – 2.0%

$0.50 per $500 of value (0.10% deed tax); mortgage tax typically paid by buyer

Median Sale: $285kView AL Net Sheet
Alaska (AK)Est. 1.5% – 2.2%

No state transfer tax ($0 state-level real estate excise tax)

Median Sale: $375kView AK Net Sheet
Arizona (AZ)Est. 1.3% – 2.2%

Flat $2.00 affidavit of property value fee (Constitutional ban on real estate transfer taxes)

Median Sale: $435kView AZ Net Sheet
Arkansas (AR)Est. 1.4% – 2.3%

$3.30 per $1,000 of sale price (0.33%), customarily split 50/50 between buyer and seller

Median Sale: $255kView AR Net Sheet
California (CA)Est. 1.5% – 2.8%

$1.10 per $1,000 statewide (0.11%), plus city transfer taxes in LA, SF, Oakland, San Jose, and Culver City

Median Sale: $785kView CA Net Sheet
Colorado (CO)Est. 1.2% – 2.0%

$0.01 per $100 statewide (0.01% documentary fee); select mountain resort towns charge 1% – 2% local transfer tax

Median Sale: $545kView CO Net Sheet
Connecticut (CT)Est. 2.0% – 3.2%

State conveyance tax of 0.75% (up to $800k) to 2.25% (luxury tiers) + 0.25% to 0.50% municipal conveyance tax

Median Sale: $415kView CT Net Sheet
Delaware (DE)Est. 2.8% – 3.8%

4.0% combined state & county transfer tax, customarily split 50/50 (2.0% paid by seller, 2.0% by buyer)

Median Sale: $385kView DE Net Sheet
Florida (FL)Est. 2.0% – 3.0%

$0.70 per $100 (0.70% documentary stamp tax on deed statewide; $0.60 per $100 in Miami-Dade for single-family)

Median Sale: $410kView FL Net Sheet
Georgia (GA)Est. 1.3% – 2.1%

$1.00 per $1,000 of sale price (0.10% Georgia real estate transfer tax)

Median Sale: $370kView GA Net Sheet
Hawaii (HI)Est. 1.5% – 2.5%

Tiered conveyance tax from $0.10 per $100 (0.10%) up to $1.25 per $100 (1.25%) based on price and buyer homeowner exemption

Median Sale: $840kView HI Net Sheet
Idaho (ID)Est. 1.2% – 2.0%

No state real estate transfer tax ($0)

Median Sale: $445kView ID Net Sheet
Illinois (IL)Est. 2.0% – 3.2%

$0.50 per $500 state + $0.25 per $500 county (0.15% combined), plus municipal transfer stamps in Chicago and select suburbs

Median Sale: $315kView IL Net Sheet
Indiana (IN)Est. 1.3% – 2.1%

No state transfer tax ($0; constitutionally banned since 2008), small county disclosure filing fee ($10–$20)

Median Sale: $265kView IN Net Sheet
Iowa (IA)Est. 1.2% – 2.0%

$0.80 per $500 above $500 (approx. 0.16% revenue tax stamps paid by seller)

Median Sale: $240kView IA Net Sheet
Kansas (KS)Est. 1.3% – 2.1%

No state transfer tax ($0; mortgage registration tax was repealed)

Median Sale: $270kView KS Net Sheet
Kentucky (KY)Est. 1.4% – 2.2%

$0.50 per $500 of sale price (0.10% deed transfer tax paid by seller)

Median Sale: $268kView KY Net Sheet
Louisiana (LA)Est. 1.3% – 2.2%

No state transfer tax ($0 statewide; Orleans Parish charges a flat $325 documentary transaction tax)

Median Sale: $255kView LA Net Sheet
Maine (ME)Est. 1.5% – 2.4%

$2.20 per $500 (0.44% total), split 50/50 between buyer and seller (seller pays 0.22%)

Median Sale: $395kView ME Net Sheet
Maryland (MD)Est. 2.2% – 3.5%

0.50% state transfer tax + county transfer tax (0.5% – 1.5%) + county recordation tax ($7–$14 per $1,000), split 50/50 by default

Median Sale: $425kView MD Net Sheet
Massachusetts (MA)Est. 1.8% – 2.8%

$4.56 per $1,000 of sale price (0.456% deed excise stamps statewide; $6.12 per $1,000 in Barnstable County)

Median Sale: $615kView MA Net Sheet
Michigan (MI)Est. 2.0% – 2.9%

$7.50 per $1,000 state transfer tax (0.75%) + $1.10 per $1,000 county transfer tax (0.11%) = 0.86% total paid by seller

Median Sale: $265kView MI Net Sheet
Minnesota (MN)Est. 1.4% – 2.3%

$3.30 per $1,000 of sale price (0.33% state deed tax; 0.34% in Hennepin and Ramsey counties)

Median Sale: $345kView MN Net Sheet
Mississippi (MS)Est. 1.2% – 2.0%

No state real estate transfer tax ($0)

Median Sale: $235kView MS Net Sheet
Missouri (MO)Est. 1.2% – 2.0%

No state transfer tax ($0; constitutionally banned by Missouri voters)

Median Sale: $275kView MO Net Sheet
Montana (MT)Est. 1.2% – 2.0%

No state real estate transfer tax ($0)

Median Sale: $465kView MT Net Sheet
Nebraska (NE)Est. 1.4% – 2.2%

$2.25 per $1,000 of sale price (0.225% Nebraska documentary stamp tax paid by seller)

Median Sale: $285kView NE Net Sheet
Nevada (NV)Est. 1.6% – 2.5%

$2.55 per $500 in Clark County / Las Vegas (0.51%); $2.05 per $500 in Washoe County / Reno (0.41%)

Median Sale: $455kView NV Net Sheet
New Hampshire (NH)Est. 2.0% – 2.8%

$1.50 per $100 total (1.50% total), split 0.75% paid by seller and 0.75% paid by buyer

Median Sale: $480kView NH Net Sheet
New Jersey (NJ)Est. 2.0% – 3.2%

Progressive NJ Realty Transfer Fee (approx. 0.85% – 1.21% paid by seller; seniors 62+ qualify for reduced rates)

Median Sale: $535kView NJ Net Sheet
New Mexico (NM)Est. 1.5% – 2.4%

No state real estate transfer tax ($0), though New Mexico levies Gross Receipts Tax (GRT ~7.5%–8.5%) on real estate commissions

Median Sale: $345kView NM Net Sheet
New York (NY)Est. 2.2% – 4.0%

$2.00 per $500 NYS transfer tax (0.40% statewide; 0.65% over $3M) + NYC RPTT (1.0% – 1.425%) if located within the 5 boroughs

Median Sale: $465kView NY Net Sheet
North Carolina (NC)Est. 1.3% – 2.2%

$1.00 per $500 of sale price (0.20% NC excise revenue stamps paid by seller; higher in select coastal Dare/Currituck counties)

Median Sale: $375kView NC Net Sheet
North Dakota (ND)Est. 1.2% – 2.0%

No state real estate transfer tax ($0)

Median Sale: $280kView ND Net Sheet
Ohio (OH)Est. 1.5% – 2.4%

$1.00 per $1,000 state fee + up to $3.00 per $1,000 county permissive conveyance fee (0.10% – 0.40% paid by seller)

Median Sale: $255kView OH Net Sheet
Oklahoma (OK)Est. 1.3% – 2.1%

$0.75 per $500 of sale price (0.15% Oklahoma documentary stamp tax paid by seller)

Median Sale: $245kView OK Net Sheet
Oregon (OR)Est. 1.3% – 2.1%

No state transfer tax ($0 statewide; Washington County charges a 0.10% local transfer tax split 50/50)

Median Sale: $495kView OR Net Sheet
Pennsylvania (PA)Est. 2.5% – 3.8%

2.0% standard combined state & local transfer tax (up to 4.278% in Philadelphia and 5.0% in Pittsburgh), customarily split 50/50

Median Sale: $295kView PA Net Sheet
Rhode Island (RI)Est. 1.6% – 2.5%

$2.30 per $500 (0.46% up to $800k; 0.92% on the portion above $800k) paid by seller

Median Sale: $460kView RI Net Sheet
South Carolina (SC)Est. 1.5% – 2.4%

$1.85 per $500 of sale price (0.37% SC deed recording fee paid by seller; higher in select Hilton Head/Beaufort resort communities)

Median Sale: $355kView SC Net Sheet
South Dakota (SD)Est. 1.3% – 2.1%

$0.50 per $500 of sale price (0.10% SD real estate transfer fee paid by seller)

Median Sale: $310kView SD Net Sheet
Tennessee (TN)Est. 1.3% – 2.2%

$0.37 per $100 (0.37% TN recordation tax), though by custom the BUYER typically pays the recordation tax in Tennessee

Median Sale: $380kView TN Net Sheet
Texas (TX)Est. 1.5% – 2.5%

No state real estate transfer tax ($0; constitutionally banned in Texas)

Median Sale: $355kView TX Net Sheet
Utah (UT)Est. 1.2% – 2.0%

No state real estate transfer tax ($0)

Median Sale: $515kView UT Net Sheet
Vermont (VT)Est. 1.5% – 2.4%

1.45% standard Vermont Property Transfer Tax (customarily paid by the BUYER in Vermont; seller pays VT Land Gains Tax only on short-term land flips)

Median Sale: $385kView VT Net Sheet
Virginia (VA)Est. 1.4% – 2.3%

$1.00 per $1,000 Grantor's Tax (0.10%) + 0.10% to 0.15% Regional Congestion Relief Fee in Northern VA, Hampton Roads, and Richmond

Median Sale: $415kView VA Net Sheet
Washington (WA)Est. 2.5% – 3.6%

Graduated Real Estate Excise Tax (REET): 1.10% up to $525k, 1.28% ($525k–$1.525M), 2.75% ($1.525M–$3.025M), plus 0.25%–0.50% local city/county REET

Median Sale: $595kView WA Net Sheet
West Virginia (WV)Est. 1.6% – 2.5%

$1.10 per $500 state + $0.55 to $1.65 per $500 county excise tax (approx. 0.33% – 0.55% paid by seller)

Median Sale: $215kView WV Net Sheet
Wisconsin (WI)Est. 1.6% – 2.5%

$3.00 per $1,000 of sale price (0.30% Wisconsin Real Estate Transfer Fee paid by seller)

Median Sale: $305kView WI Net Sheet
Wyoming (WY)Est. 1.2% – 2.0%

No state real estate transfer tax ($0)

Median Sale: $355kView WY Net Sheet

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