New York property tax by county

Same home, different county

On a $189,000 home (the typical county median in New York), the annual property tax bill depends heavily on where you buy:

Estimate: purchase price × each county's effective rate. Actual bills depend on assessed value, local levies, and exemptions.

Lowest property tax rates in New York

The five New York counties with the lowest effective property tax rates, useful for buyers comparing total cost of ownership across the state.

Highest property tax rates in New York

The five New Yorkcounties with the highest effective property tax rates. High rates often reflect strong school district funding or municipal services rather than weakness, but they materially change a buyer's monthly carrying cost.

New York real estate transfer tax

New York charges a combined transfer tax of about 0.40% of the purchase price. On a $189,000 home, that is roughly $756 in total.

NYS Real Estate Transfer Tax $2/$500 (0.4%) seller, rising to 0.65% on portion over $3M residential. NYC RPTT adds 1.0% (under $500k) or 1.425% (≥$500k), seller-paid. Buyer-paid 'mansion tax' 1% over $1M statewide, escalating inside NYC up to 3.9% over $25M. Proposed increases to mansion tax and >$3M state rate are pending for transfers after June 1, 2026.

New York is an attorney-closing state: expect a real estate attorney fee of roughly $600–$1,500 at closing.

Official New York source → · Verified April 2026

Closing costs in New York

Across New York's 62 counties, buyer closing costs run $3,643 to $19,170 at each county's median home value with 20% down. Cash needed at closing, with closing costs and the down payment, runs $23,983 to $237,270. Pick your county for your own figures.