The Most Expensive States for Taking Out a Mortgage

51. Missouri

Taking out a mortgage — or refinancing one — is more affordable in Missouri than any other state.

Closing costs in the Show-Me State average $1,571. That's 2.74% of the state's median household income of $57,409.

If you're refinancing a mortgage, closing costs will average $1,290.

Stop overpaying for home insurance

Home insurance is an essential expense – one that can often be pricey. You can lower your monthly recurring expenses by finding a more economical alternative for home insurance.

Officialhomeinsurance can help you do just that. Their online marketplace of vetted home insurance providers allows you to quickly shop around for rates from the country’s top insurance companies, and ensure you’re paying the lowest price possible for your home insurance.

Explore better rates

50. Indiana

Closing costs in the Hoosier State average $2,101. That's 3.65% of the state's median household income of $57,603.

If you're refinancing a mortgage, closing costs will average $1,396.

49. Iowa

Closing costs in the Hawkeye State average $2,272. That's 3.68% of the state's median household income of $61,691.

If you're refinancing a mortgage, closing costs will average $1,803.

Need cash? Tap into your home equity

As home prices have increased, the average homeowner is sitting on a record amount of home equity. Savvy homeowners are tapping into their equity to consolidate debt, pay for home improvements, or tackle unexpected expenses. Rocket Mortgage, the nation's largest mortgage lender, offers competitive rates and expert guidance.

Get Started

48. North Dakota

Closing costs in the Peace Garden State average $2,381. That's 3.69% of the state's median household income of $64,577.

If you're refinancing a mortgage, closing costs will average $1,894.

47. South Dakota

Closing costs in the Mount Rushmore State average $2,276. That's 3.82% of the state's median household income of $59,533.

If you're refinancing a mortgage, closing costs will average $1,828.

46. Wyoming

Closing costs in the Equality State average $2,572. That's 3.69% of the state's median household income of $65,003.

If you're refinancing a mortgage, closing costs will average $1,982.

45. Kansas

Closing costs in the Sunflower State average $2,548. That's 4.1% of the state's median household income of $62,087.

If you're refinancing a mortgage, closing costs will average $2,042.

44. Kentucky

Closing costs in the Bluegrass State average $2,229. That's 4.26% of the state's median household income of $52,295.

If you're refinancing a mortgage, closing costs will average $1,887.

43. Nebraska

Closing costs in the Cornhusker State average $2,715. That's 4.29% of the state's median household income of $63,229.

If you're refinancing a mortgage, closing costs will average $2,007.

42. Alaska

Closing costs in the Last Frontier average $2,442. That's 4.56% of the state's median household income of $75,463.

If you're refinancing a mortgage, closing costs will average $2,582.

41. Alabama

Closing costs in the Yellowhammer State average $2,371. That's 4.58% of the state's median household income of $51,735.

If you're refinancing a mortgage, closing costs will average $1,885.

40. Colorado

Closing costs in the Centennial State average $3,659. That's 4.74% of the state's median household income of $63,229.

If you're refinancing a mortgage, closing costs will average $2,906.

39. North Carolina

Closing costs in the Tar Heel State average $2,803. That's 4.89% of the state's median household income of $57,341.

If you're refinancing a mortgage, closing costs will average $2,776.

38. Wisconsin

Closing costs in the Badger State average $3,221. That's 5.02% of the state's median household income of $64,168.

If you're refinancing a mortgage, closing costs will average $1,883.

37. Minnesota

Closing costs in the North Star State average $3,843. That's 5.15% of the state's median household income of $74,593.

If you're refinancing a mortgage, closing costs will average $2,331.

36. Arkansas

Closing costs in the Natural State average $2,578. That's 5.27% of the state's median household income of $48,952.

If you're refinancing a mortgage, closing costs will average $1,785.

35. Montana

Closing costs in the Treasure State average $3,021. That's 5.29% of the state's median household income of $57,153.

If you're refinancing a mortgage, closing costs will average $2,496.

34. Oklahoma

Closing costs in the Sooner State average $2,943. That's 5.41% of the state's median household income of $54,449.

If you're refinancing a mortgage, closing costs will average $2,511.

33. New Mexico

Closing costs in the Land of Enchantment average $2,825. That's 5.44% of the state's median household income of $51,945.

If you're refinancing a mortgage, closing costs will average $2,676.

32. Mississippi

Closing costs in the Magnolia State average $2,578. That's 5.63% of the state's median household income of $45,792.

If you're refinancing a mortgage, closing costs will average $2,016.

31. Ohio

Closing costs in the Buckeye State average $3,319. That's 5.66% of the state's median household income of $58,642.

If you're refinancing a mortgage, closing costs will average $2,160.

30. Idaho

Closing costs in the Gem State average $3,544. That's 5.81% of the state's median household income of $60,999.

If you're refinancing a mortgage, closing costs will average $2,789.

29. South Carolina

Closing costs in the Palmetto State average $3,269. That's 5.81% of the state's median household income of $56,227.

If you're refinancing a mortgage, closing costs will average $2,944.

28. Georgia

Closing costs in the Peach State average $3,610. That's 5.83% of the state's median household income of $61,980.

If you're refinancing a mortgage, closing costs will average $2,727.

27. Oregon

Closing costs in the Beaver State average $3,911. That's 5.83% of the state's median household income of $67,058.

If you're refinancing a mortgage, closing costs will average $3,149.

26. Texas

Closing costs in the Lone Star State average $3,754. That's 5.86% of the state's median household income of $64,034.

If you're refinancing a mortgage, closing costs will average $3,494.

25. Utah

Closing costs in the Beehive State average $4,612. That's 6.09% of the state's median household income of $74,780.

If you're refinancing a mortgage, closing costs will average $2,157.

24. Maine

Closing costs in the Pine Tree State average $3,761. That's 6.38% of the state's median household income of $58,924.

If you're refinancing a mortgage, closing costs will average $1,961.

23. Rhode Island

Closing costs in the Ocean State average $4,619. That's 6.49% of the state's median household income of $71,169.

If you're refinancing a mortgage, closing costs will average $1,968.

22. Arizona

Closing costs in the Grand Canyon State average $4,190. That's 6.75% of the state's median household income of $62,055.

If you're refinancing a mortgage, closing costs will average $1,662.

21. Tennessee

Closing costs in the Volunteer State average $3,790. That's 6.76% of the state's median household income of $56,071.

If you're refinancing a mortgage, closing costs will average $2,080.

20. West Virginia

Closing costs in the Mountain State average $3,352. That's 6.86% of the state's median household income of $48,850.

If you're refinancing a mortgage, closing costs will average $3,039.

19. Michigan

Closing costs in the Great Lake State average $4,211. That's 7.07% of the state's median household income of $59,584.

If you're refinancing a mortgage, closing costs will average $2,844.

18. Louisiana

Closing costs in the Pelican State average $3,827. That's 7.49% of the state's median household income of $51,073.

If you're refinancing a mortgage, closing costs will average $2,681.

17. Virginia

Closing costs in the Old Dominion average $6,186. That's 8.09% of the state's median household income of $76,456.

If you're refinancing a mortgage, closing costs will average $2,735.

16. Massachusetts

Closing costs in the Bay State average $7,035. That's 8.2% of the state's median household income of $85,843.

If you're refinancing a mortgage, closing costs will average $2,689.

15. California

Closing costs in the Golden State average $6,879. That's 8.55% of the state's median household income of $80,440.

If you're refinancing a mortgage, closing costs will average $3,474.

14. Hawaii

Closing costs in the Aloha State average $7,127. That's 8.58% of the state's median household income of $83,102.

If you're refinancing a mortgage, closing costs will average $4,154.

13. Nevada

Closing costs in the Silver State average $5,586. That's 8.83% of the state's median household income of $63,276.

If you're refinancing a mortgage, closing costs will average $2,915.

12. New Jersey

Closing costs in the Garden State average $7,828. That's 9.13% of the state's median household income of $85,751.

If you're refinancing a mortgage, closing costs will average $4,645.

11. Connecticut

Closing costs in the Constitution State average $7,303. That's 9.26% of the state's median household income of $78,833.

If you're refinancing a mortgage, closing costs will average $2,717.

10. Illinois

Closing costs in the Prairie State average $6,530. That's 9.44% of the state's median household income of $69,187.

If you're refinancing a mortgage, closing costs will average $1,955.

9. Vermont

Closing costs in the Green Mountain State average $5,947. That's 9.44% of the state's median household income of $63,001.

If you're refinancing a mortgage, closing costs will average $2,387.

8. New Hampshire

Closing costs in the Granite State average $8,039. That's 10.32% of the state's median household income of $77,933.

If you're refinancing a mortgage, closing costs will average $2,183.

7. Maryland

Closing costs in the Old Line State average $11,710. That's 13.5% of the state's median household income of $86,738.

If you're refinancing a mortgage, closing costs will average $3,476.

6. Florida

Closing costs in the Sunshine State average $8,213. That's 13.87% of the state's median household income of $59,227.

If you're refinancing a mortgage, closing costs will average $4,606.

5. Washington

Closing costs in the Evergreen State average $11,513. That's 14.63% of the state's median household income of $78,687.

If you're refinancing a mortgage, closing costs will average $4,687.

4. Pennsylvania

Closing costs in the Keystone State average $9,437. That's 14.87% of the state's median household income of $63,463.

If you're refinancing a mortgage, closing costs will average $6,376.

3. New York

Closing costs in the Empire State average $13,262. That's 18.39% of the state's median household income of $72,108.

If you're refinancing a mortgage, closing costs will average $8,256.

2. Delaware

Closing costs in the First State average $17,727. That's 25.26% of the state's median household income of $70,176.

If you're refinancing a mortgage, closing costs will average $2,676.

1. District of Columbia

Taking out a mortgage — or refinancing one — is least affordable in D.C. than any other state.

Closing costs in the nation's capital average $29,330. That's 31.79% of the state's median household income of $92,266.

If you're refinancing a mortgage, closing costs will average $13,722.