Real Estate Closing by State
Every state has different rules for who handles closing, who pays for title insurance, and what taxes apply. Select your state for a complete guide.
Attorney23 states require a closing attorney
Escrow13 states use escrow companies
Alabama
AL
Attorney
Closing costs: ~3.2%Transfer tax: 0.1%
Alaska
AK
Escrow
Closing costs: ~3.5%Transfer tax: 0%
Arizona
AZ
Escrow
Closing costs: ~2.8%Transfer tax: 0%
Arkansas
AR
Closing costs: ~3.1%Transfer tax: 0.33%
California
CA
Escrow
Closing costs: ~2.5%Transfer tax: 0.11%
Colorado
CO
Escrow
Closing costs: ~2.9%Transfer tax: 0.01%
Connecticut
CT
Attorney
Closing costs: ~3.8%Transfer tax: 0.75%
Delaware
DE
Attorney
Closing costs: ~3.9%Transfer tax: 3%
Florida
FL
Closing costs: ~2.8%Transfer tax: 0.7%
Georgia
GA
Attorney
Closing costs: ~3.3%Transfer tax: 0.1%
Hawaii
HI
Escrow
Closing costs: ~3%Transfer tax: 0.1%
Idaho
ID
Escrow
Closing costs: ~2.7%Transfer tax: 0%
Illinois
IL
Closing costs: ~3.4%Transfer tax: 0.1%
Indiana
IN
Closing costs: ~2.9%Transfer tax: 0%
Iowa
IA
Closing costs: ~2.8%Transfer tax: 0.16%
Kansas
KS
Attorney
Closing costs: ~3%Transfer tax: 0%
Kentucky
KY
Attorney
Closing costs: ~3.1%Transfer tax: 0.1%
Louisiana
LA
Attorney
Closing costs: ~3.5%Transfer tax: 0%
Maine
ME
Attorney
Closing costs: ~3.5%Transfer tax: 0.44%
Maryland
MD
Attorney
Closing costs: ~3.7%Transfer tax: 1%
Massachusetts
MA
Attorney
Closing costs: ~4.2%Transfer tax: 0.456%
Michigan
MI
Closing costs: ~3.2%Transfer tax: 0.86%
Minnesota
MN
Closing costs: ~3%Transfer tax: 0.33%
Mississippi
MS
Attorney
Closing costs: ~3.1%Transfer tax: 0%
Missouri
MO
Closing costs: ~2.9%Transfer tax: 0%
Montana
MT
Escrow
Closing costs: ~2.8%Transfer tax: 0%
Nebraska
NE
Closing costs: ~2.8%Transfer tax: 0.225%
Nevada
NV
Escrow
Closing costs: ~2.7%Transfer tax: 0.26%
New Hampshire
NH
Attorney
Closing costs: ~3.6%Transfer tax: 0.75%
New Jersey
NJ
Attorney
Closing costs: ~4.5%Transfer tax: 1%
New Mexico
NM
Escrow
Closing costs: ~2.9%Transfer tax: 0%
New York
NY
Attorney
Closing costs: ~4.8%Transfer tax: 1.4%
North Carolina
NC
Attorney
Closing costs: ~3.1%Transfer tax: 0.2%
North Dakota
ND
Attorney
Closing costs: ~2.8%Transfer tax: 0%
Ohio
OH
Closing costs: ~3.2%Transfer tax: 0.1%
Oklahoma
OK
Attorney
Closing costs: ~3%Transfer tax: 0.1%
Oregon
OR
Escrow
Closing costs: ~2.7%Transfer tax: 0.1%
Pennsylvania
PA
Closing costs: ~3.5%Transfer tax: 2%
Rhode Island
RI
Attorney
Closing costs: ~3.7%Transfer tax: 0%
South Carolina
SC
Attorney
Closing costs: ~3.2%Transfer tax: 0.37%
South Dakota
SD
Closing costs: ~2.8%Transfer tax: 0%
Tennessee
TN
Attorney
Closing costs: ~3.1%Transfer tax: 0.37%
Texas
TX
Closing costs: ~3.3%Transfer tax: 0%
Utah
UT
Escrow
Closing costs: ~2.7%Transfer tax: 0%
Vermont
VT
Attorney
Closing costs: ~3.5%Transfer tax: 1.25%
Virginia
VA
Attorney
Closing costs: ~3.4%Transfer tax: 0.25%
Washington
WA
Escrow
Closing costs: ~2.8%Transfer tax: 1.28%
West Virginia
WV
Attorney
Closing costs: ~3.2%Transfer tax: 0.11%
Wisconsin
WI
Closing costs: ~3%Transfer tax: 0.3%
Wyoming
WY
Escrow
Closing costs: ~2.6%Transfer tax: 0%