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New York & New Jersey Closing Cost Calculator

New York requires an attorney at closing, which is a line item most states do not have. Transfer tax: 0.40%.

New York, New Jersey share this page. Their rules produce the same answer to within a rounding difference, so publishing separate near-identical pages would add URLs without adding information. Every figure below applies to both states.

New York closing cost estimator

New York requires an attorney at closing, which is a line item most states do not have. Transfer tax: 0.40%.

Estimated closing costs —
Transfer tax —
Title insurance —
Attorney —

New York at a glance

FigureNew YorkSource
State transfer tax rate0.40%[1]
Attorney required at closingYes[1]
Typical total closing cost3.80%[1]
On the median home$19,988[2]

[1] [2] Sources

Typical closing cost — all 50 states

New York highlighted. Same data as the table below, shown as a distribution so the comparison is visible at a glance.

Typical closing cost — all 50 states. New York is 3.80%, ranked 1 of 50. The national median is 2.70%, the highest is 3.80% (New York), and the lowest is 2.00% (California). NY 3.80% DE 3.50% NJ 3.50% MD 3.20% PA 3.20% VT 3.20% CT 3.10% IL 3.00% ME 3.00% MA 3.00% NH 3.00% RI 3.00% AK 2.80% GA 2.80% IA 2.80% LA 2.80% MI 2.80% WV 2.80% WI 2.80% AR 2.70% KY 2.70% MN 2.70% NE 2.70% OH 2.70% SC 2.70% VA 2.70% KS 2.60% MS 2.60% SD 2.60% TN 2.60% AL 2.50% FL 2.50% HI 2.50% IN 2.50% MO 2.50% NM 2.50% NC 2.50% ND 2.50% OK 2.50% TX 2.50% WA 2.50% MT 2.40% OR 2.40% AZ 2.30% ID 2.30% NV 2.30% UT 2.30% WY 2.30% CO 2.20% CA 2.00%

Highlighted: New York, ranked 1 of 50. Median 2.70%.

New York closing costs by price and side

Buyer and seller totals, including New York's 0.40% transfer tax.

Purchase priceBuyer totalSeller totalTransfer tax
$100,000$2,750$2,450$400
$150,000$3,450$3,000$600
$175,000$3,800$3,275$700
$200,000$4,150$3,550$800
$225,000$4,500$3,825$900
$250,000$4,850$4,100$1,000
$300,000$5,550$4,650$1,200
$350,000$6,250$5,200$1,400
$400,000$6,950$5,750$1,600
$450,000$7,650$6,300$1,800
$500,000$8,350$6,850$2,000
$600,000$9,750$7,950$2,400
$700,000$11,150$9,050$2,800
$800,000$12,550$10,150$3,200
$950,000$14,650$11,800$3,800
$1,100,000$16,750$13,450$4,400
$1,300,000$19,550$15,650$5,200
$1,600,000$23,750$18,950$6,400

Worked figures for New York

New York values:

PriceBuyerSellerTransfer
$150,000$3,450$3,000$600
$200,000$4,150$3,550$800
$250,000$4,850$4,100$1,000
$300,000$5,550$4,650$1,200
$400,000$6,950$5,750$1,600
$500,000$8,350$6,850$2,000
$600,000$9,750$7,950$2,400
$750,000$11,850$9,600$3,000
$900,000$13,950$11,250$3,600
$1,200,000$18,150$14,550$4,800

How New York compares nationally

On typical closing cost, New York ranks #1 of 50 at 3.80% — 41% above the median of 2.70%. The national range runs from 2.00% (California) to 3.80% (New York).

RankStateTypical closing cost
#1New York3.80%
#2Delaware3.50%
#3New Jersey3.50%

Attorney closing states, ranked

Same rule structure as New York:

StateTypical closing costvs New York
New York3.80%—
Pennsylvania3.20%-15.8%
Vermont3.20%-15.8%
Illinois3.00%-21.1%
West Virginia2.80%-26.3%
Mississippi2.60%-31.6%
North Carolina2.50%-34.2%

New York questions, answered with New York numbers

What are buyer closing costs in New York?▾
On New York's median home price of $526,000, expect roughly $8,714 as a buyer, including about $1,200 in attorney fees that New York requires.
What does the seller pay in New York?▾
About $7,136 on the median home, of which $2,104 is New York's 0.40% transfer tax.
Do I need an attorney to close in New York?▾
Yes. New York requires an attorney at closing, typically $1,200, a cost buyers in title-company states do not have.

Other attorney closing states

Pennsylvania Illinois Mississippi North Carolina Vermont West Virginia

Last reviewed 2026-08-27. New York figures only — verify with the relevant New York agency before acting. How this is calculated.