Open dataset · free to reuse (ODC-BY 1.0)
Mortgage closing fees by county
The median mortgage closing fees actually reported in 174 U.S. counties under the Home Mortgage Disclosure Act in 2023 — median total loan costs (lender + third-party fees, excluding prepaids and escrow), median lender origination charges, and the median loan amount for context. Each county is the median of real reported loans, not a national average or a quote, and every row links to the FFIEC HMDA Data Browser filtered to that county so you can reproduce it. Free to download and cite.
Highest reported county medians
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Take the whole dataset
All 174 county rows, every column, machine-readable. Free for any use — including commercial — under ODC-BY 1.0, as long as you credit TallyClose with a link back.
How to cite
Free to republish and adapt with credit. Suggested citation:
TallyClose, "Mortgage Closing Fees by County (HMDA 2023)," June 2026. https://tallyclose.com/data/mortgage-closing-fees-by-county (ODC-BY 1.0; source: FFIEC HMDA Snapshot (Data Browser API), purchase-loan originations 2023 — ODC-BY 1.0).
License: Open Data Commons Attribution (ODC-BY 1.0). The data originates with the FFIEC under the Home Mortgage Disclosure Act. Attribution = a visible credit linking to this page.
Key findings
Priciest county (median total loan costs)
Miami-Dade County, FL
$12,696
Lowest county (median total loan costs)
Lancaster County, NE
$2,804
Median across counties
$7,320
across 174 counties
Loans behind the data
1,391,904
across 35 states
Across 174 U.S. counties, the median total loan costs (lender + third-party fees, excluding prepaids and escrow) on a 2023 home-purchase mortgage was about $7,320. The five counties with the highest median total loan costs were Miami-Dade County, FL ($12,696), Honolulu County, HI ($12,472), San Bernardino County, CA ($12,092), Riverside County, CA ($11,748), Los Angeles County, CA ($11,709). The five lowest were Lancaster County, NE ($2,804), Polk County, IA ($2,935), Milwaukee County, WI ($3,194), Johnson County, KS ($3,332), Douglas County, NE ($3,457). These are medians of actually-reported loans — not quotes — so they reflect what borrowers in each county really paid, not what any one lender will charge you. Transfer taxes, prepaids, and escrow are not included.
The full dataset
Search, sort, and open each county's source on the FFIEC HMDA Data Browser.
Showing 174 of 174
| Source | |||||
|---|---|---|---|---|---|
| Miami-Dade County FL
FIPS 12086 Florida | $12,696 | $5,943 | $435,000 | 15,880 | FFIEC HMDA |
| Honolulu County HI
FIPS 15003 Hawaii | $12,472 | $6,042 | $595,000 | 4,954 | FFIEC HMDA |
| San Bernardino County CA
FIPS 06071 California | $12,092 | $5,520 | $425,000 | 15,091 | FFIEC HMDA |
| Riverside County CA
FIPS 06065 California | $11,748 | $5,059 | $475,000 | 20,800 | FFIEC HMDA |
| Los Angeles County CA
FIPS 06037 California | $11,709 | $5,260 | $655,000 | 34,184 | FFIEC HMDA |
| Stanislaus County CA
FIPS 06099 California | $11,226 | $6,151 | $395,000 | 3,125 | FFIEC HMDA |
| Suffolk County NY
FIPS 36103 New York | $11,200 | $6,019 | $475,000 | 10,814 | FFIEC HMDA |
| San Diego County CA
FIPS 06073 California | $10,893 | $4,488 | $655,000 | 17,771 | FFIEC HMDA |
| Bronx County NY
FIPS 36005 New York | $10,876 | $6,418 | $505,000 | 1,735 | FFIEC HMDA |
| Nassau County NY
FIPS 36059 New York | $10,559 | $5,614 | $545,000 | 8,412 | FFIEC HMDA |
| Kern County CA
FIPS 06029 California | $10,409 | $5,044 | $315,000 | 6,416 | FFIEC HMDA |
| Prince George's County MD
FIPS 24033 Maryland | $10,399 | $4,413 | $395,000 | 7,891 | FFIEC HMDA |
| Broward County FL
FIPS 12011 Florida | $10,230 | $4,827 | $375,000 | 16,307 | FFIEC HMDA |
| Tulare County CA
FIPS 06107 California | $10,157 | $5,312 | $315,000 | 2,045 | FFIEC HMDA |
| San Joaquin County CA
FIPS 06077 California | $10,143 | $5,555 | $475,000 | 5,784 | FFIEC HMDA |
| Pierce County WA
FIPS 53053 Washington | $10,123 | $5,500 | $445,000 | 8,893 | FFIEC HMDA |
| Fresno County CA
FIPS 06019 California | $10,056 | $5,203 | $345,000 | 5,682 | FFIEC HMDA |
| Webb County TX
FIPS 48479 Texas | $9,922 | $3,871 | $225,000 | 1,552 | FFIEC HMDA |
| Hidalgo County TX
FIPS 48215 Texas | $9,848 | $4,317 | $225,000 | 3,854 | FFIEC HMDA |
| Thurston County WA
FIPS 53067 Washington | $9,729 | $5,157 | $425,000 | 3,105 | FFIEC HMDA |
| Ventura County CA
FIPS 06111 California | $9,615 | $3,977 | $625,000 | 4,048 | FFIEC HMDA |
| Polk County FL
FIPS 12105 Florida | $9,562 | $4,160 | $295,000 | 12,968 | FFIEC HMDA |
| Washoe County NV
FIPS 32031 Nevada | $9,507 | $5,459 | $415,000 | 4,360 | FFIEC HMDA |
| Orange County CA
FIPS 06059 California | $9,363 | $3,385 | $725,000 | 13,626 | FFIEC HMDA |
| Pinal County AZ
FIPS 04021 Arizona | $9,317 | $4,435 | $325,000 | 9,722 | FFIEC HMDA |
| Anne Arundel County MD
FIPS 24003 Maryland | $9,316 | $4,260 | $415,000 | 5,978 | FFIEC HMDA |
| Essex County NJ
FIPS 34013 New Jersey | $9,283 | $3,425 | $485,000 | 4,389 | FFIEC HMDA |
| Sonoma County CA
FIPS 06097 California | $9,269 | $4,612 | $585,000 | 2,703 | FFIEC HMDA |
| Orange County FL
FIPS 12095 Florida | $9,197 | $4,429 | $365,000 | 11,968 | FFIEC HMDA |
| Palm Beach County FL
FIPS 12099 Florida | $9,185 | $4,278 | $385,000 | 14,271 | FFIEC HMDA |
| Clark County NV
FIPS 32003 Nevada | $9,100 | $4,603 | $365,000 | 24,747 | FFIEC HMDA |
| Queens County NY
FIPS 36081 New York | $9,048 | $5,143 | $515,000 | 7,169 | FFIEC HMDA |
| Lee County FL
FIPS 12071 Florida | $9,018 | $3,912 | $325,000 | 12,748 | FFIEC HMDA |
| Cameron County TX
FIPS 48061 Texas | $8,967 | $3,905 | $215,000 | 2,108 | FFIEC HMDA |
| Hillsborough County FL
FIPS 12057 Florida | $8,897 | $3,895 | $345,000 | 16,132 | FFIEC HMDA |
| Kings County (Brooklyn) NY
FIPS 36047 New York | $8,765 | $4,084 | $695,000 | 5,703 | FFIEC HMDA |
| Travis County TX
FIPS 48453 Texas | $8,754 | $3,737 | $405,000 | 12,935 | FFIEC HMDA |
| Maricopa County AZ
FIPS 04013 Arizona | $8,691 | $4,095 | $385,000 | 48,354 | FFIEC HMDA |
| Salt Lake County UT
FIPS 49035 Utah | $8,652 | $5,275 | $425,000 | 9,668 | FFIEC HMDA |
| Bexar County TX
FIPS 48029 Texas | $8,610 | $3,720 | $275,000 | 22,664 | FFIEC HMDA |
| Contra Costa County CA
FIPS 06013 California | $8,590 | $3,509 | $625,000 | 7,832 | FFIEC HMDA |
| Prince William County VA
FIPS 51153 Virginia | $8,566 | $3,910 | $465,000 | 4,811 | FFIEC HMDA |
| Utah County UT
FIPS 49049 Utah | $8,566 | $5,357 | $415,000 | 8,423 | FFIEC HMDA |
| Ada County ID
FIPS 16001 Idaho | $8,564 | $5,016 | $385,000 | 5,651 | FFIEC HMDA |
| Tarrant County TX
FIPS 48439 Texas | $8,545 | $3,596 | $305,000 | 20,824 | FFIEC HMDA |
| Snohomish County WA
FIPS 53061 Washington | $8,525 | $4,975 | $555,000 | 7,877 | FFIEC HMDA |
| Brazoria County TX
FIPS 48039 Texas | $8,499 | $3,799 | $295,000 | 4,307 | FFIEC HMDA |
| Rutherford County TN
FIPS 47149 Tennessee | $8,491 | $4,154 | $355,000 | 4,682 | FFIEC HMDA |
| Denton County TX
FIPS 48121 Texas | $8,461 | $3,519 | $385,000 | 16,800 | FFIEC HMDA |
| Dallas County TX
FIPS 48113 Texas | $8,434 | $3,446 | $315,000 | 17,075 | FFIEC HMDA |
| Fort Bend County TX
FIPS 48157 Texas | $8,390 | $3,691 | $325,000 | 10,929 | FFIEC HMDA |
| Sacramento County CA
FIPS 06067 California | $8,366 | $4,514 | $425,000 | 11,324 | FFIEC HMDA |
| Montgomery County TX
FIPS 48339 Texas | $8,361 | $3,560 | $285,000 | 11,992 | FFIEC HMDA |
| Collin County TX
FIPS 48085 Texas | $8,359 | $3,340 | $405,000 | 17,951 | FFIEC HMDA |
| Galveston County TX
FIPS 48167 Texas | $8,348 | $3,713 | $295,000 | 4,287 | FFIEC HMDA |
| Harris County (Houston) TX
FIPS 48201 Texas | $8,339 | $3,517 | $285,000 | 37,621 | FFIEC HMDA |
| Williamson County TX
FIPS 48491 Texas | $8,317 | $3,830 | $375,000 | 12,121 | FFIEC HMDA |
| Volusia County FL
FIPS 12127 Florida | $8,301 | $3,641 | $285,000 | 7,824 | FFIEC HMDA |
| Nueces County TX
FIPS 48355 Texas | $8,268 | $3,266 | $255,000 | 2,919 | FFIEC HMDA |
| El Paso County TX
FIPS 48141 Texas | $8,253 | $3,424 | $235,000 | 6,643 | FFIEC HMDA |
| Davis County UT
FIPS 49011 Utah | $8,189 | $4,705 | $425,000 | 3,219 | FFIEC HMDA |
| Gwinnett County GA
FIPS 13135 Georgia | $8,124 | $4,454 | $345,000 | 9,490 | FFIEC HMDA |
| Spokane County WA
FIPS 53063 Washington | $8,003 | $4,798 | $335,000 | 5,248 | FFIEC HMDA |
| Bergen County NJ
FIPS 34003 New Jersey | $7,984 | $2,840 | $515,000 | 5,791 | FFIEC HMDA |
| Multnomah County OR
FIPS 41051 Oregon | $7,906 | $4,499 | $415,000 | 6,705 | FFIEC HMDA |
| Duval County FL
FIPS 12031 Florida | $7,888 | $3,248 | $275,000 | 10,588 | FFIEC HMDA |
| Pasco County FL
FIPS 12101 Florida | $7,877 | $3,356 | $305,000 | 11,757 | FFIEC HMDA |
| Bucks County PA
FIPS 42017 Pennsylvania | $7,853 | $3,263 | $355,000 | 4,752 | FFIEC HMDA |
| Manatee County FL
FIPS 12081 Florida | $7,815 | $3,334 | $365,000 | 7,750 | FFIEC HMDA |
| Fulton County GA
FIPS 13121 Georgia | $7,813 | $4,003 | $365,000 | 11,058 | FFIEC HMDA |
| Baltimore County MD
FIPS 24005 Maryland | $7,700 | $3,353 | $305,000 | 6,780 | FFIEC HMDA |
| Jefferson County TX
FIPS 48245 Texas | $7,672 | $3,251 | $195,000 | 1,540 | FFIEC HMDA |
| Brevard County FL
FIPS 12009 Florida | $7,664 | $3,344 | $305,000 | 9,202 | FFIEC HMDA |
| Marion County FL
FIPS 12083 Florida | $7,645 | $3,395 | $235,000 | 7,239 | FFIEC HMDA |
| Alameda County CA
FIPS 06001 California | $7,613 | $2,130 | $765,000 | 8,598 | FFIEC HMDA |
| DeKalb County GA
FIPS 13089 Georgia | $7,598 | $3,997 | $315,000 | 6,909 | FFIEC HMDA |
| Cobb County GA
FIPS 13067 Georgia | $7,594 | $4,098 | $365,000 | 7,941 | FFIEC HMDA |
| Pinellas County FL
FIPS 12103 Florida | $7,587 | $3,534 | $325,000 | 9,480 | FFIEC HMDA |
| San Mateo County CA
FIPS 06081 California | $7,564 | $1,645 | $1,025,000 | 3,130 | FFIEC HMDA |
| Delaware County PA
FIPS 42045 Pennsylvania | $7,557 | $2,956 | $265,000 | 4,467 | FFIEC HMDA |
| King County (Seattle) WA
FIPS 53033 Washington | $7,508 | $4,178 | $615,000 | 17,893 | FFIEC HMDA |
| St. Johns County FL
FIPS 12109 Florida | $7,503 | $3,554 | $385,000 | 6,359 | FFIEC HMDA |
| Bell County TX
FIPS 48027 Texas | $7,428 | $3,188 | $265,000 | 5,498 | FFIEC HMDA |
| Chester County PA
FIPS 42029 Pennsylvania | $7,386 | $2,827 | $395,000 | 4,552 | FFIEC HMDA |
| Pima County AZ
FIPS 04019 Arizona | $7,379 | $3,433 | $305,000 | 11,063 | FFIEC HMDA |
| Washington County OR
FIPS 41067 Oregon | $7,357 | $3,967 | $465,000 | 5,170 | FFIEC HMDA |
| Cumberland County NC
FIPS 37051 North Carolina | $7,341 | $2,436 | $215,000 | 4,099 | FFIEC HMDA |
| Westchester County NY
FIPS 36119 New York | $7,298 | $3,093 | $525,000 | 6,062 | FFIEC HMDA |
| Hudson County NJ
FIPS 34017 New Jersey | $7,264 | $2,061 | $495,000 | 3,264 | FFIEC HMDA |
| San Francisco County CA
FIPS 06075 California | $7,180 | $1,860 | $895,000 | 3,087 | FFIEC HMDA |
| Loudoun County VA
FIPS 51107 Virginia | $7,137 | $3,341 | $575,000 | 4,656 | FFIEC HMDA |
| Philadelphia County PA
FIPS 42101 Pennsylvania | $7,119 | $2,720 | $235,000 | 9,888 | FFIEC HMDA |
| Lehigh County PA
FIPS 42077 Pennsylvania | $7,110 | $2,898 | $255,000 | 2,804 | FFIEC HMDA |
| Chesterfield County VA
FIPS 51041 Virginia | $7,100 | $3,551 | $325,000 | 4,861 | FFIEC HMDA |
| Fairfax County VA
FIPS 51059 Virginia | $7,075 | $3,014 | $555,000 | 9,635 | FFIEC HMDA |
| McLennan County TX
FIPS 48309 Texas | $7,069 | $3,115 | $245,000 | 2,110 | FFIEC HMDA |
| Will County IL
FIPS 17197 Illinois | $7,058 | $2,445 | $275,000 | 7,050 | FFIEC HMDA |
| Berks County PA
FIPS 42011 Pennsylvania | $6,982 | $2,873 | $215,000 | 3,370 | FFIEC HMDA |
| Montgomery County MD
FIPS 24031 Maryland | $6,972 | $2,564 | $475,000 | 7,374 | FFIEC HMDA |
| Escambia County FL
FIPS 12033 Florida | $6,933 | $2,765 | $265,000 | 4,086 | FFIEC HMDA |
| York County PA
FIPS 42133 Pennsylvania | $6,872 | $2,625 | $225,000 | 4,662 | FFIEC HMDA |
| Cook County (Chicago) IL
FIPS 17031 Illinois | $6,856 | $2,055 | $265,000 | 39,025 | FFIEC HMDA |
| Lancaster County PA
FIPS 42071 Pennsylvania | $6,848 | $2,799 | $255,000 | 3,695 | FFIEC HMDA |
| Richland County SC
FIPS 45079 South Carolina | $6,816 | $3,068 | $235,000 | 4,951 | FFIEC HMDA |
| Spartanburg County SC
FIPS 45083 South Carolina | $6,732 | $3,400 | $235,000 | 4,826 | FFIEC HMDA |
| Orleans Parish LA
FIPS 22071 Louisiana | $6,692 | $2,643 | $285,000 | 2,247 | FFIEC HMDA |
| Alachua County FL
FIPS 12001 Florida | $6,591 | $2,777 | $265,000 | 2,381 | FFIEC HMDA |
| Lubbock County TX
FIPS 48303 Texas | $6,539 | $1,750 | $205,000 | 3,617 | FFIEC HMDA |
| Arlington County VA
FIPS 51013 Virginia | $6,535 | $2,270 | $545,000 | 1,670 | FFIEC HMDA |
| Davidson County TN
FIPS 47037 Tennessee | $6,530 | $3,185 | $365,000 | 8,057 | FFIEC HMDA |
| Leon County FL
FIPS 12073 Florida | $6,509 | $2,154 | $245,000 | 2,248 | FFIEC HMDA |
| Anoka County MN
FIPS 27003 Minnesota | $6,473 | $3,595 | $305,000 | 3,962 | FFIEC HMDA |
| Lake County IL
FIPS 17097 Illinois | $6,453 | $1,950 | $275,000 | 6,423 | FFIEC HMDA |
| York County SC
FIPS 45091 South Carolina | $6,414 | $3,219 | $325,000 | 4,079 | FFIEC HMDA |
| Jefferson Parish LA
FIPS 22051 Louisiana | $6,402 | $2,527 | $235,000 | 2,426 | FFIEC HMDA |
| Kane County IL
FIPS 17089 Illinois | $6,379 | $1,967 | $275,000 | 5,251 | FFIEC HMDA |
| Bernalillo County NM
FIPS 35001 New Mexico | $6,302 | $2,862 | $275,000 | 5,948 | FFIEC HMDA |
| Tulsa County OK
FIPS 40143 Oklahoma | $6,296 | $2,345 | $225,000 | 5,963 | FFIEC HMDA |
| DuPage County IL
FIPS 17043 Illinois | $6,278 | $1,751 | $305,000 | 7,939 | FFIEC HMDA |
| Charleston County SC
FIPS 45019 South Carolina | $6,171 | $2,786 | $425,000 | 5,090 | FFIEC HMDA |
| Hamilton County TN
FIPS 47065 Tennessee | $6,155 | $3,168 | $285,000 | 4,107 | FFIEC HMDA |
| Greenville County SC
FIPS 45045 South Carolina | $6,138 | $3,241 | $275,000 | 6,790 | FFIEC HMDA |
| Dauphin County PA
FIPS 42043 Pennsylvania | $6,113 | $2,335 | $205,000 | 2,292 | FFIEC HMDA |
| Knox County TN
FIPS 47093 Tennessee | $6,105 | $2,983 | $305,000 | 5,497 | FFIEC HMDA |
| Shelby County TN
FIPS 47157 Tennessee | $6,057 | $2,169 | $235,000 | 6,132 | FFIEC HMDA |
| Henrico County VA
FIPS 51087 Virginia | $6,029 | $2,807 | $305,000 | 3,518 | FFIEC HMDA |
| Dakota County MN
FIPS 27037 Minnesota | $5,996 | $3,350 | $305,000 | 4,515 | FFIEC HMDA |
| Washington County MN
FIPS 27163 Minnesota | $5,989 | $3,268 | $345,000 | 3,050 | FFIEC HMDA |
| Hennepin County MN
FIPS 27053 Minnesota | $5,847 | $3,163 | $305,000 | 12,322 | FFIEC HMDA |
| Allegheny County (Pittsburgh) PA
FIPS 42003 Pennsylvania | $5,843 | $1,946 | $215,000 | 10,083 | FFIEC HMDA |
| East Baton Rouge Parish LA
FIPS 22033 Louisiana | $5,775 | $2,107 | $235,000 | 3,312 | FFIEC HMDA |
| New York County (Manhattan) NY
FIPS 36061 New York | $5,761 | $1,725 | $705,000 | 4,800 | FFIEC HMDA |
| Horry County SC
FIPS 45051 South Carolina | $5,760 | $3,085 | $245,000 | 8,482 | FFIEC HMDA |
| Westmoreland County PA
FIPS 42129 Pennsylvania | $5,705 | $2,045 | $185,000 | 2,693 | FFIEC HMDA |
| Mecklenburg County NC
FIPS 37119 North Carolina | $5,594 | $2,577 | $355,000 | 13,718 | FFIEC HMDA |
| Ramsey County MN
FIPS 27123 Minnesota | $5,585 | $3,032 | $255,000 | 4,554 | FFIEC HMDA |
| Franklin County OH
FIPS 39049 Ohio | $5,394 | $2,370 | $265,000 | 12,127 | FFIEC HMDA |
| Lorain County OH
FIPS 39093 Ohio | $5,386 | $2,173 | $195,000 | 3,386 | FFIEC HMDA |
| Buncombe County NC
FIPS 37021 North Carolina | $5,363 | $2,500 | $345,000 | 2,503 | FFIEC HMDA |
| New Hanover County NC
FIPS 37129 North Carolina | $5,357 | $2,672 | $335,000 | 2,741 | FFIEC HMDA |
| Jefferson County AL
FIPS 01073 Alabama | $5,261 | $2,522 | $235,000 | 6,050 | FFIEC HMDA |
| Stark County OH
FIPS 39151 Ohio | $5,254 | $2,306 | $175,000 | 3,269 | FFIEC HMDA |
| Oklahoma County OK
FIPS 40109 Oklahoma | $5,216 | $1,979 | $205,000 | 6,257 | FFIEC HMDA |
| Cuyahoga County OH
FIPS 39035 Ohio | $5,199 | $2,161 | $175,000 | 10,622 | FFIEC HMDA |
| Middlesex County MA
FIPS 25017 Massachusetts | $5,189 | $1,440 | $555,000 | 10,030 | FFIEC HMDA |
| Forsyth County NC
FIPS 37067 North Carolina | $5,143 | $2,519 | $245,000 | 3,907 | FFIEC HMDA |
| Santa Clara County CA
FIPS 06085 California | $5,124 | $1,500 | $1,005,000 | 8,466 | FFIEC HMDA |
| Guilford County NC
FIPS 37081 North Carolina | $5,082 | $2,500 | $245,000 | 4,877 | FFIEC HMDA |
| Summit County OH
FIPS 39153 Ohio | $5,066 | $2,318 | $175,000 | 5,161 | FFIEC HMDA |
| Butler County OH
FIPS 39017 Ohio | $5,021 | $2,134 | $235,000 | 3,679 | FFIEC HMDA |
| Lake County IN
FIPS 18089 Indiana | $4,915 | $2,439 | $215,000 | 4,796 | FFIEC HMDA |
| Genesee County MI
FIPS 26049 Michigan | $4,892 | $1,994 | $165,000 | 3,647 | FFIEC HMDA |
| Macomb County MI
FIPS 26099 Michigan | $4,807 | $2,263 | $205,000 | 8,814 | FFIEC HMDA |
| Wake County NC
FIPS 37183 North Carolina | $4,782 | $2,500 | $375,000 | 15,604 | FFIEC HMDA |
| Wayne County MI
FIPS 26163 Michigan | $4,780 | $2,140 | $175,000 | 12,944 | FFIEC HMDA |
| Durham County NC
FIPS 37063 North Carolina | $4,777 | $2,500 | $325,000 | 3,513 | FFIEC HMDA |
| Lucas County OH
FIPS 39095 Ohio | $4,757 | $1,938 | $145,000 | 3,481 | FFIEC HMDA |
| Montgomery County OH
FIPS 39113 Ohio | $4,686 | $1,897 | $175,000 | 5,323 | FFIEC HMDA |
| Hamilton County OH
FIPS 39061 Ohio | $4,623 | $1,907 | $225,000 | 7,226 | FFIEC HMDA |
| Oakland County MI
FIPS 26125 Michigan | $4,554 | $2,010 | $275,000 | 12,286 | FFIEC HMDA |
| Jefferson County KY
FIPS 21111 Kentucky | $4,512 | $1,963 | $215,000 | 7,852 | FFIEC HMDA |
| Marion County IN
FIPS 18097 Indiana | $4,349 | $2,114 | $215,000 | 9,923 | FFIEC HMDA |
| Sedgwick County KS
FIPS 20173 Kansas | $4,275 | $1,768 | $195,000 | 5,321 | FFIEC HMDA |
| Fayette County KY
FIPS 21067 Kentucky | $4,260 | $1,735 | $245,000 | 2,473 | FFIEC HMDA |
| Washtenaw County MI
FIPS 26161 Michigan | $4,253 | $1,712 | $295,000 | 2,934 | FFIEC HMDA |
| Kent County MI
FIPS 26081 Michigan | $4,168 | $1,790 | $255,000 | 6,521 | FFIEC HMDA |
| St. Louis County MO
FIPS 29189 Missouri | $3,982 | $1,395 | $215,000 | 9,845 | FFIEC HMDA |
| Ingham County MI
FIPS 26065 Michigan | $3,982 | $1,721 | $155,000 | 2,518 | FFIEC HMDA |
| Jackson County MO
FIPS 29095 Missouri | $3,884 | $1,837 | $215,000 | 7,637 | FFIEC HMDA |
| Douglas County NE
FIPS 31055 Nebraska | $3,457 | $1,440 | $245,000 | 6,021 | FFIEC HMDA |
| Johnson County KS
FIPS 20091 Kansas | $3,332 | $1,556 | $345,000 | 6,419 | FFIEC HMDA |
| Milwaukee County WI
FIPS 55079 Wisconsin | $3,194 | $1,425 | $215,000 | 6,919 | FFIEC HMDA |
| Polk County IA
FIPS 19153 Iowa | $2,935 | $1,382 | $215,000 | 6,252 | FFIEC HMDA |
| Lancaster County NE
FIPS 31109 Nebraska | $2,804 | $1,145 | $235,000 | 3,261 | FFIEC HMDA |
This calculator provides estimates only. Actual closing costs vary by lender, title company, and local market conditions. Figures are general information — not financial, legal, or tax advice. Confirm with your lender, a licensed title professional, or an attorney before you close. Transfer-tax rates, recording fees and title methods shown are based on the official source cited on this page as of the verified date. Rates change and local taxes vary — always confirm the current amount with the applicable county recorder's office or a licensed title professional before closing. These figures are descriptive past statistics — the median of actually-reported 2023 HMDA loans in each county, not a quote for your loan. Compare them against your own lender quotes.
Want an estimate for your own purchase? Use the closing-cost calculator, or compare the transfer-tax dataset.
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How we built this
We pulled loan-level home-purchase originations reported under the Home Mortgage Disclosure Act (2023) from the FFIEC HMDA Data Browser and aggregated them to county FIPS. For each county we report the median total loan costs (lender + third-party fees, excluding prepaids and escrow), the median lender origination charges, and the median loan amount for context. Counties with fewer than 30 usable loans are suppressed to avoid noisy figures, which is why 174 counties are published.
These are descriptive past statistics — the median of loans real borrowers actually closed in 2023, not a quote and not a national average. Use them to sanity-check a lender's estimate against what your county typically saw, then compare your own written quotes (the Loan Estimate). Transfer taxes, prepaids, and escrow reserves are deliberately excluded — those are covered by our transfer-tax dataset and the closing-cost calculator.
This calculator provides estimates only. Actual closing costs vary by lender, title company, and local market conditions. Figures are general information — not financial, legal, or tax advice. Confirm with your lender, a licensed title professional, or an attorney before you close. Transfer-tax rates, recording fees and title methods shown are based on the official source cited on this page as of the verified date. Rates change and local taxes vary — always confirm the current amount with the applicable county recorder's office or a licensed title professional before closing. These figures are descriptive past statistics — the median of actually-reported 2023 HMDA loans in each county, not a quote for your loan. Compare them against your own lender quotes.
Journalists and researchers: if you need a cut we don't publish (a specific county not listed, a longer time series, or a custom slice), email info@tallyclose.com.