Seller closing costs by state
What a seller pays to close on a $400,000 home in every state and DC, not counting commission. Computed from verified 2026 transfer tax rates and closing customs.
- Highest
- Washington: $9,045
- Median state
- $2,270
- Lowest
- Louisiana: $345
The most expensive states for sellers are Washington ($9,045), Delaware ($8,735), District of Columbia ($6,280), Florida ($5,994), Michigan ($5,405). The least expensive are Louisiana ($345), Tennessee ($407), Georgia ($475), Kentucky ($491), Mississippi ($665). The difference is mostly transfer tax and whether the seller customarily pays for the buyer's owner's title policy.
| Rank | State | Seller closing costs | % of price | Seller transfer tax | Owner's title policy |
|---|---|---|---|---|---|
| 1 | Washington | $9,045 | 2.26% | $6,405 | Seller |
| 2 | Delaware | $8,735 | 2.18% | $8,000 | Buyer |
| 3 | District of Columbia | $6,280 | 1.57% | $5,800 | Buyer |
| 4 | Florida | $5,994 | 1.5% | $2,800 | Seller |
| 5 | Michigan | $5,405 | 1.35% | $3,440 | Seller |
| 6 | Connecticut | $5,310 | 1.33% | $4,000 | Buyer |
| 7 | Illinois | $4,307 | 1.08% | $600 | Seller |
| 8 | Pennsylvania | $4,290 | 1.07% | $4,000 | Buyer |
| 9 | Ohio | $4,094 | 1.02% | $1,600 | Seller |
| 10 | Rhode Island | $4,044 | 1.01% | $3,000 | Buyer |
| 11 | Nevada | $3,772 | 0.94% | $1,560 | Seller |
| 12 | New York | $3,485 | 0.87% | $1,600 | Buyer |
| 13 | New Hampshire | $3,335 | 0.83% | $3,000 | Buyer |
| 14 | New Jersey | $3,325 | 0.83% | $3,215 | Buyer |
| 15 | Massachusetts | $3,179 | 0.79% | $1,824 | Buyer |
| 16 | Minnesota | $3,111 | 0.78% | $1,320 | Seller |
| 17 | California | $2,925 | 0.73% | $440 | Seller |
| 18 | Wisconsin | $2,900 | 0.73% | $1,200 | Seller |
| 19 | Texas | $2,792 | 0.7% | $0 | Seller |
| 20 | Hawaii | $2,704 | 0.68% | $400 | Split 50/50 |
| 21 | New Mexico | $2,547 | 0.64% | $0 | Seller |
| 22 | Oklahoma | $2,468 | 0.62% | $600 | Seller |
| 23 | Alabama | $2,425 | 0.61% | $80 | Seller |
| 24 | Nebraska | $2,406 | 0.6% | $1,328 | Split 50/50 |
| 25 | Oregon | $2,281 | 0.57% | $0 | Seller |
| 26 | Arkansas | $2,270 | 0.57% | $440 | Seller |
| 27 | Arizona | $2,180 | 0.55% | $0 | Seller |
| 28 | Idaho | $2,030 | 0.51% | $0 | Seller |
| 29 | Utah | $2,030 | 0.51% | $0 | Seller |
| 30 | Alaska | $2,020 | 0.51% | $0 | Seller |
| 31 | Colorado | $2,015 | 0.5% | $0 | Seller |
| 32 | South Carolina | $1,885 | 0.47% | $1,480 | Buyer |
| 33 | Montana | $1,861 | 0.47% | $0 | Seller |
| 34 | Indiana | $1,830 | 0.46% | $10 | Seller |
| 35 | Missouri | $1,822 | 0.46% | $0 | Seller |
| 36 | Wyoming | $1,810 | 0.45% | $0 | Seller |
| 37 | North Dakota | $1,710 | 0.43% | $0 | Seller |
| 38 | Maryland | $1,460 | 0.36% | $1,000 | Buyer |
| 39 | South Dakota | $1,420 | 0.36% | $400 | Split 50/50 |
| 40 | West Virginia | $1,222 | 0.31% | $900 | Buyer |
| 41 | Maine | $1,199 | 0.3% | $880 | Buyer |
| 42 | North Carolina | $1,171 | 0.29% | $800 | Buyer |
| 43 | Kansas | $1,129 | 0.28% | $0 | Split 50/50 |
| 44 | Iowa | $1,116 | 0.28% | $639 | Seller |
| 45 | Vermont | $1,025 | 0.26% | $0 | Buyer |
| 46 | Virginia | $927 | 0.23% | $400 | Buyer |
| 47 | Mississippi | $665 | 0.17% | $0 | Buyer |
| 48 | Kentucky | $491 | 0.12% | $400 | Buyer |
| 49 | Georgia | $475 | 0.12% | $400 | Buyer |
| 50 | Tennessee | $407 | 0.1% | $0 | Buyer |
| 51 | Louisiana | $345 | 0.09% | $0 | Buyer |
Local transfer taxes can add a lot: Philadelphia, San Francisco, New York City, and many Maryland counties charge well above their state's default. Open a state for county-level detail, or run a net sheet for an exact address.
See the net for your listing.
The calculator applies these costs for the exact county.