Mortgage closing costs are higher in Florida than 41 other states.

Closing costs on a $200,000 home loan average $2,517 in Florida, the ninth highest in the nation, according to a survey by North Palm Beach-based Bankrate Inc. (NYSE: RATE). That’s 4.8 percent higher than the national average of $2,402.

The costs include the average origination fees charged by lenders - $1,798 in Florida – and third-party fees that average $719 in Florida.

Nationally, mortgage closing costs are up six percent over the past year, Bankrate said.

Hawaii had the highest closing costs, averaging $2,919. Wisconsin had the lowest costs, averaging $2,199.

Bankrate, which publishes and distributes personal finance content on the Internet, surveyed up to 10 lenders in all 50 states plus the District of Columbia in June. Researchers obtained online good faith estimates for a $200,000 mortgage to buy a single-family home with a 20 percent down payment.

Costs include fees charged by lenders, as well as third-party fees for services such as appraisals. The survey excludes taxes, title fees, property insurance, association fees, interest and other prepaid items.

By Margie Manning