According to bankrate.com North Carolina has the lowest closing costs of all fifty states at an average of $2,650. That is a nearly $1,400 less than the highest average costs in New York City. New York, Texas and Florida topped the list with the highest average closing costs for the second year in a row. Couple low closing costs with low mortgage rates and Asheville's consistent high rankings in almost every conceivable category of good living, and this area becomes the perfect choice for retirement or relocation.