Closing Costs for Texas (2026)
Texas (TX) Key Facts
Average Closing Cost Rate
3%
Estimated Closing Costs ( Median Home)
$9,000
Attorney Required at Closing
No
Median Home Price
$300,000
Transfer Tax
Varies by locality
How This Calculator Works in Texas
This closing costs calculator estimates the total amount you will need at closing when buying a home in Texas. It uses the state's average closing cost rate of 3% as a baseline and lets you adjust for your specific purchase price and situation. Understanding these costs in advance helps you budget effectively and avoid surprises at the closing table.
Texas Overview
Closing costs in Texas average about 3% of the home's purchase price—roughly $9,000 on the median home of $300,000. Texas does not require an attorney at closing, though hiring one may still be wise for complex deals. Transfer taxes in Texas are: None (no state transfer tax).
How Texas Compares
Texas's average closing cost rate of 3% is in the middle range nationally. Neighboring Louisiana averages 3%, while Oklahoma averages 2.8%. States with attorney requirements and higher transfer taxes tend to have elevated closing costs overall.
| State | Top Rate | Notes |
|---|---|---|
| Louisiana | 3% | Average closing costs are 3% of the home price, approximately $6,450 on the median home. Attorney not required at closing. |
| Oklahoma | 2.8% | Average closing costs are 2.8% of the home price, approximately $5,600 on the median home. Attorney not required at closing. |
| New Mexico | 2.6% | Average closing costs are 2.6% of the home price, approximately $7,800 on the median home. Attorney not required at closing. |
Closing costs in Texas average 3% of the home price, or about $9,000 on the median-priced home of $300,000. The national average for closing costs is typically 2-5% of the purchase price. Texas falls in the mid-range nationally.
Tips for Texas Residents
- 1Budget approximately 3% of the purchase price for closing costs in Texas, which comes to about $9,000 on the median home of $300,000. This is in addition to your down payment and moving expenses.
- 2Texas does not require an attorney at closing, though hiring one may still be wise for complex deals. Consider retaining an attorney for transactions involving liens, estate sales, or unusual contract terms in Texas.
- 3Transfer taxes in Texas: None (no state transfer tax). Make sure you know who is customarily responsible (buyer or seller) in your county, as local practice varies.
- 4Shop at least three lenders for your Loan Estimate in Texas. Origination fees, discount points, and third-party charges can differ by $1,000 or more between lenders on the same loan amount.
- 5Ask about first-time homebuyer programs in Texas that may offer closing cost assistance, grants, or below-market interest rates. Many state and county housing finance agencies provide such programs. Since Texas has no state income tax, buyers often have more take-home pay to allocate toward closing costs.
Frequently Asked Questions
on LegalDraft