Seller Closing Costs by State
Closing costs are one of the largest expenses when selling a home, and they vary dramatically by state. Transfer taxes alone range from 0% in some states to over 2% in others. Understanding your state's costs helps you budget accurately.
What Are Seller Closing Costs?
Seller closing costs include all the fees and taxes paid by the seller at the time of closing. These are separate from agent commissions and typically total 1-3% of the sale price.
Average Seller Closing Costs
1-3%
of sale price, not including agent commissions
Major Cost Categories
Transfer Taxes
Transfer taxes (also called excise taxes, deed taxes, or documentary stamps) are the single largest closing cost in many states. Some notable examples:
- Delaware: 2.5% (buyer pays)
- Washington: 1.1-3% (progressive rate)
- Pennsylvania: 2% (split between buyer and seller)
- New York: 0.4% state + local additions
- Texas: No transfer tax
Title Insurance
The seller typically pays for the owner's title insurance policy. Costs range from $500 to $3,000+ depending on the sale price and state. Title insurance rates are regulated in many states.
Escrow and Settlement
Escrow fees cover the closing agent who facilitates the transaction. Costs range from $500 to $2,000. In some states, an attorney handles closing instead of an escrow company.
Other Costs
- Recording fees: $50-$250
- HOA transfer fees: $200-$500
- Home warranty (if offered): $300-$600
- Prorated property taxes
How to Reduce Your Closing Costs
- Shop title companies: Prices vary significantly
- Negotiate with the buyer: Some costs are traditionally split and can be renegotiated
- Review the settlement statement carefully: Errors are common
- Ask about discounts: Some title companies offer repeat customer discounts
Calculate Your Exact Costs
Every state is different, and your specific costs depend on your sale price, location, and negotiated terms. Use our calculator to get a personalized breakdown.