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Illinois, Georgia, Massachusetts, Kentucky & Maine Closing Cost Calculator

Illinois requires an attorney at closing, which is a line item most states do not have. Transfer tax: 0.10%.

Illinois, Georgia, Massachusetts, Kentucky, Maine share this page. Their rules produce the same answer to within a rounding difference, so publishing separate near-identical pages would add URLs without adding information. Every figure below applies to all 5 states.

Illinois closing cost estimator

Illinois requires an attorney at closing, which is a line item most states do not have. Transfer tax: 0.10%.

Estimated closing costs —
Transfer tax —
Title insurance —
Attorney —

Illinois at a glance

FigureIllinoisSource
State transfer tax rate0.10%[1]
Attorney required at closingYes[1]
Typical total closing cost3.00%[1]
On the median home$8,970[2]

[1] [2] Sources

Typical closing cost — all 50 states

Illinois highlighted. Same data as the table below, shown as a distribution so the comparison is visible at a glance.

Typical closing cost — all 50 states. Illinois is 3.00%, ranked 8 of 50. The national median is 2.70%, the highest is 3.80% (New York), and the lowest is 2.00% (California). NY 3.80% DE 3.50% NJ 3.50% MD 3.20% PA 3.20% VT 3.20% CT 3.10% IL 3.00% ME 3.00% MA 3.00% NH 3.00% RI 3.00% AK 2.80% GA 2.80% IA 2.80% LA 2.80% MI 2.80% WV 2.80% WI 2.80% AR 2.70% KY 2.70% MN 2.70% NE 2.70% OH 2.70% SC 2.70% VA 2.70% KS 2.60% MS 2.60% SD 2.60% TN 2.60% AL 2.50% FL 2.50% HI 2.50% IN 2.50% MO 2.50% NM 2.50% NC 2.50% ND 2.50% OK 2.50% TX 2.50% WA 2.50% MT 2.40% OR 2.40% AZ 2.30% ID 2.30% NV 2.30% UT 2.30% WY 2.30% CO 2.20% CA 2.00%

Highlighted: Illinois, ranked 8 of 50. Median 2.70%.

Illinois closing costs by price and side

Buyer and seller totals, including Illinois's 0.10% transfer tax.

Purchase priceBuyer totalSeller totalTransfer tax
$100,000$2,750$2,150$100
$150,000$3,450$2,550$150
$175,000$3,800$2,750$175
$200,000$4,150$2,950$200
$225,000$4,500$3,150$225
$250,000$4,850$3,350$250
$300,000$5,550$3,750$300
$350,000$6,250$4,150$350
$400,000$6,950$4,550$400
$450,000$7,650$4,950$450
$500,000$8,350$5,350$500
$600,000$9,750$6,150$600
$700,000$11,150$6,950$700
$800,000$12,550$7,750$800
$950,000$14,650$8,950$950
$1,100,000$16,750$10,150$1,100
$1,300,000$19,550$11,750$1,300
$1,600,000$23,750$14,150$1,600

Worked figures for Illinois

Illinois values:

PriceBuyerSellerTransfer
$150,000$3,450$2,550$150
$200,000$4,150$2,950$200
$250,000$4,850$3,350$250
$300,000$5,550$3,750$300
$400,000$6,950$4,550$400
$500,000$8,350$5,350$500
$600,000$9,750$6,150$600
$750,000$11,850$7,350$750
$900,000$13,950$8,550$900
$1,200,000$18,150$10,950$1,200

How Illinois compares nationally

On typical closing cost, Illinois ranks #8 of 50 at 3.00% — 11% above the median of 2.70%. The national range runs from 2.00% (California) to 3.80% (New York).

RankStateTypical closing cost
#6Vermont3.20%
#7Connecticut3.10%
#8Illinois3.00%
#9Maine3.00%
#10Massachusetts3.00%

Attorney closing states, ranked

Same rule structure as Illinois:

StateTypical closing costvs Illinois
New York3.80%+26.7%
Pennsylvania3.20%+6.7%
Vermont3.20%+6.7%
Illinois3.00%—
West Virginia2.80%-6.7%
Mississippi2.60%-13.3%
North Carolina2.50%-16.7%

Illinois questions, answered with Illinois numbers

What are buyer closing costs in Illinois?▾
On Illinois's median home price of $299,000, expect roughly $5,536 as a buyer, including about $1,200 in attorney fees that Illinois requires.
What does the seller pay in Illinois?▾
About $3,742 on the median home, of which $299 is Illinois's 0.10% transfer tax.
Do I need an attorney to close in Illinois?▾
Yes. Illinois requires an attorney at closing, typically $1,200, a cost buyers in title-company states do not have.

Other attorney closing states

Pennsylvania Mississippi New York North Carolina Vermont West Virginia

Last reviewed 2026-08-27. Illinois figures only — verify with the relevant Illinois agency before acting. How this is calculated.