Nationwide, closing costs have  jumped nearly 9% over the past year, according to Bankrate.com.  Average closing costs on a $200,000 mortgage are $4,070, up from $3,741.  New York has the highest at $6,183 followed by Texas at $4,944.  States with the cheapest costs are Arkansis, North Carollina dn Indiana – each averaging $3,400.   One of the reasons closing costs are higher in Texas is the Owner’s Title policy is higher than in some states, plus when you are looking at any property with land the survey will be more expensive and thee are still lots of those closings in Texas.