These are the most expensive states for taking out a mortgage

Buying a house can be exciting and terrifying. The negotiations, the inspections, the costs — they can all be overwhelming. And getting a mortgage means you'll be paying a number of fees when you finally reach the closing table.

These fees vary from state to state. Some can be more than a quarter of an average person's annual income, and others just a fraction of it, a MoneyWise analysis finds.

Wherever you may be buying — or refinancing — here are estimates of what it will cost you in all 50 states and the District of Columbia to get a mortgage — starting from the cheapest places to the most expensive.

Our methodology: To determine the most and least affordable states for taking out a mortgage, MoneyWise took the average closing costs for the states and D.C. from ClosingCorp and divided those into the latest median household income numbers from the U.S. Census. The higher the resulting number, the less affordable the state.

51. Missourif11photo / Shutterstock

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.

50. IndianaSergey Novikov / Shutterstock

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. IowaQZ / Shutterstock

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.

48. North DakotaBrian A Wolf / Shutterstock

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 DakotaK.choktravel / Shutterstock

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

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

46. WyomingSulae / Shutterstock

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. KansasChris Rubino / Shutterstock

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. KentuckyAlexey Stiop / Shutterstock

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. NebraskaCavan-Images / Shutterstock

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. AlaskaMartin Capek / Shutterstock

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. AlabamaAllard One / Shutterstock

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@cafealternativo via Twenty20

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@eep33 via Twenty20

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@SueNorthey via Twenty20

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@JessicaKaplanPhotography via Twenty20

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@keri.landers via Twenty20

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@davep via Twenty20

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@JBL via Twenty20

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@ssenka via Twenty20

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@dcallahan83 via Twenty20

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. OhioBeeline Aerial / Shutterstock

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@groveayers via Twenty20

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@kristin12 via Twenty20

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@amyimazzone via Twenty20

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@jonryanjohnson via Twenty20

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. TexasPhoto by Vivian Arcidiacono on Unsplash

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. UtahPhoto by Jaxon Lott on Unsplash

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. MainePhoto by Keith Luke on Unsplash

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 IslandPhoto by Rusty Watson on Unsplash

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. Arizonajdross75 / Shutterstock

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. TennesseePhoto by Tanner Boriack on Unsplash

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 VirginiaPhoto by Sandra Seitamaa on Unsplash

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. MichiganPhoto by Brad Switzer on Unsplash

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. LouisianaPhoto by Robson Hatsukami Morgan on Unsplash

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. VirginiaPhoto by STEPHEN POORE on Unsplash

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. MassachusettsPhoto by Michael Browning on Unsplash

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. CaliforniaPhoto by David Vives on Unsplash

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. HawaiiPhoto by Nayab Faheem on Unsplash

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. NevadaPhoto by Cédric Dhaenens on Unsplash

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 JerseyPhoto by Valeria Capettini on Unsplash

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. ConnecticutPhoto by Rusty Watson on Unsplash

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. IllinoisPhoto by Lewis J Goetz on Unsplash

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. VermontPhoto by Cameron Venti on Unsplash

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 HampshirePhoto by Balazs Busznyak on Unsplash

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. MarylandPhoto by Brendan Beale on Unsplash

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. FloridaPhoto by Joël de Vriend on Unsplash

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. WashingtonPhoto by Thom Milkovic on Unsplash

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. PennsylvaniaPhoto by ActionVance on Unsplash

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 YorkPhoto by Michael Discenza on Unsplash

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. DelawarePhoto by Josefina Lacroze on Unsplash

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 ColumbiaPhoto by Grant Czerwinski on Unsplash

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

Closing costs in the Capitol 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.