Nassau County closing costs
The county-specific transfer tax and deed recording fees for Nassau County, New York - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.4%
- ≈ $1,600 on a $400,000 home
- Typical lender + 3rd-party fees
- $10,559
- median of 8,412 purchase loans · HMDA 2023
Nassau County compared with New York counties
In the verified New York county records we have, Nassau County's effective transfer-tax rate ranks #3 of 7 by highest rate. At $400,000, the county-specific transfer tax is $1,600, which is the same as the state-level calculation before city surtaxes.
- County rank
- #3 of 7
- within verified New York county pages
- Tax at $400,000
- $1,600
- state baseline $1,600
- HMDA fee sample
- 8,412
- purchase loans in 2023
Nassau County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Nassau County
No separate Nassau County transfer tax exists — the only ad valorem transfer tax is the New York STATE rate of 0.4% ($2 per $500), customarily paid by the seller; many real-estate blogs mislabel this state rate as a "Nassau County transfer tax" because it is collected at the county clerk, but NYS Tax Dept and NY real-estate counsel confirm it is state-level only. NYC's transfer tax does NOT apply (Nassau is outside the five boroughs), and no Nassau city/town/village levies its own transfer tax. The state 1% "mansion tax" applies to residential sales of $1,000,000+ and is paid by the buyer. Notable local quirk: the $300 per-block recording fee, which is unusually high versus other NY counties.
Recording fees in Nassau County
Deed recording (Nassau County Clerk): base recording fee $40.00, plus $5.00 per page. A "per block" fee of $300.00 applies per tax-map block referenced (a distinctive Nassau quirk; office-generated endorsement page also $5.00). RP-5217 Real Property Transfer Report (equalization & assessment) filing fee: $125.00 residential / $250.00 commercial. TP-584 (NYS transfer tax form) fee: $5.00. NYS real estate transfer tax collected at recording at $2.00 per $500 ($4.00 per $1,000) of consideration = 0.4%. Transfer and mortgage tax must be paid by certified check; recording fees may be paid by personal check.
Official recorder: Nassau County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Nassau County
Across 8,412 home-purchase mortgages originated in Nassau County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $10,559, of which about $5,614 was the lender’s own origination charges. That is reported loan-level data from every lender under the Home Mortgage Disclosure Act — not a national average — so it reflects what buyers in this county actually paid. Lender fees vary widely, so comparing a few rate quotes is the single biggest lever on your closing total.
Source: FFIEC HMDA Data Browser ↗ (2023 purchase originations, FIPS 36059, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Nassau County closing costs
Pre-set to New York. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Nassau County?
Nassau County (New York): the applicable real-estate transfer tax works out to about 0.4%. No separate Nassau County transfer tax exists — the only ad valorem transfer tax is the New York STATE rate of 0.4% ($2 per $500), customarily paid by the seller; many real-estate blogs mislabel this state rate as a "Nassau County transfer tax" because it is collected at the county clerk, but NYS Tax Dept and NY real-estate counsel confirm it is state-level only. NYC's transfer tax does NOT apply (Nassau is outside the five boroughs), and no Nassau city/town/village levies its own transfer tax. The state 1% "mansion tax" applies to residential sales of $1,000,000+ and is paid by the buyer. Notable local quirk: the $300 per-block recording fee, which is unusually high versus other NY counties.
What are recording fees in Nassau County?
Deed recording (Nassau County Clerk): base recording fee $40.00, plus $5.00 per page. A "per block" fee of $300.00 applies per tax-map block referenced (a distinctive Nassau quirk; office-generated endorsement page also $5.00). RP-5217 Real Property Transfer Report (equalization & assessment) filing fee: $125.00 residential / $250.00 commercial. TP-584 (NYS transfer tax form) fee: $5.00. NYS real estate transfer tax collected at recording at $2.00 per $500 ($4.00 per $1,000) of consideration = 0.4%. Transfer and mortgage tax must be paid by certified check; recording fees may be paid by personal check.
How much are closing costs in Nassau County?
Closing costs in Nassau County follow New York's structure plus this county's specific transfer-tax and recording fees. Use the calculator below for an estimate; for the exact recording schedule, the county recorder is the authoritative source.
What do lenders charge in fees in Nassau County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 8,412 home-purchase mortgages in Nassau County were about $10,559, of which roughly $5,614 was the lender's own origination charges. This is reported loan-level data under the Home Mortgage Disclosure Act; actual fees vary by lender, so comparing quotes matters.
Closest New York county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.