New York County (Manhattan) closing costs
The county-specific transfer tax and deed recording fees for New York County (Manhattan), New York - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 1.83%
- ≈ $7,300 on a $400,000 home
- City transfer tax
- 1.43%
- where the city levies its own
- Typical lender + 3rd-party fees
- $5,761
- median of 4,800 purchase loans · HMDA 2023
New York County (Manhattan) compared with New York counties
In the verified New York county records we have, New York County (Manhattan)'s effective transfer-tax rate ranks #1 of 7 by highest rate. At $400,000, the county-specific transfer tax is $7,300, which is $5,700 above the state-level calculation before city surtaxes.
- County rank
- #1 of 7
- within verified New York county pages
- Tax at $400,000
- $7,300
- state baseline $1,600
- HMDA fee sample
- 4,800
- purchase loans in 2023
New York County (Manhattan) transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in New York County (Manhattan)
Seller pays RPTT; buyer pays mansion tax. State transfer tax ($4/$1,000) applies on top of the city tax.
Recording fees in New York County (Manhattan)
NYC Real Property Transfer Tax: 1.0% on residential under $500k, 1.425% on $500k and above (seller-paid). Buyer-paid mansion tax applies on $1M+ from 1% up to 3.9% above $25M. NYC recording via ACRIS; recording fees vary by document.
Official recorder: New York County (Manhattan) recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in New York County (Manhattan)
Across 4,800 home-purchase mortgages originated in New York County (Manhattan) in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $5,761, of which about $1,725 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 36061, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your New York County (Manhattan) 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 New York County (Manhattan)?
New York County (Manhattan) (New York): the applicable real-estate transfer tax works out to about 1.83%, before any additional city tax. Seller pays RPTT; buyer pays mansion tax. State transfer tax ($4/$1,000) applies on top of the city tax.
What are recording fees in New York County (Manhattan)?
NYC Real Property Transfer Tax: 1.0% on residential under $500k, 1.425% on $500k and above (seller-paid). Buyer-paid mansion tax applies on $1M+ from 1% up to 3.9% above $25M. NYC recording via ACRIS; recording fees vary by document.
How much are closing costs in New York County (Manhattan)?
Closing costs in New York County (Manhattan) 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 New York County (Manhattan)?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 4,800 home-purchase mortgages in New York County (Manhattan) were about $5,761, of which roughly $1,725 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.