Homebuyers in these states pay the most on unexpected fees

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FILE - In an aerial view, homes sit on lots in a neighborhood on Jan. 26, 2023 in Boca Raton, Florida. (Joe Raedle/Getty Images)

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Buying a home can get pricey, and many first-time homebuyers may be unaware of all the fees associated with making such a huge purchase.

Fees such as appraisals, owner title insurance, property fees, and more can add up fast, and knowing these costs in advance can help buyers prepare when purchasing their first home.

Frontdoor, a home repair service app, collected data from Zillow, Realtor.com, and Houzeo.com in March 2024 to determine the average home price and additional charges for buying a home.

Cost estimates for 20 common additional charges most home buyers faced in every state included:

Origination charges
Services the borrower did and did not shop for, such as appraisals and survey fees
Taxes
Prepaids
Initial escrow payments
Owner title insurance

Hawaii paid the highest amount in fees

Homebuyers on the island of Hawaii paid some of the largest amounts in unexpected fees, averaging at $17,966.04 on a median-priced home, Frontdoor said.

On the other hand, as a percentage of the total property price, homebuyers in Hawaii paid the 9th cheapest cost, with those unexpected fees accounting for about 2.16% of the total price.