Queens County closing costs
The county-specific transfer tax and deed recording fees for Queens 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
- City transfer tax
- 1.43%
- where the city levies its own
- Typical lender + 3rd-party fees
- $9,048
- median of 7,169 purchase loans · HMDA 2023
Queens County compared with New York counties
In the verified New York county records we have, Queens 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
- 7,169
- purchase loans in 2023
Queens County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Queens County
Queens has NO county-specific transfer tax; the locality-level tax is the citywide NYC Real Property Transfer Tax (RPTT), on top of the NYS transfer tax. RPTT residential rates: 1.0% if price <= $500,000, 1.425% if > $500,000; commercial: 1.425% if <= $500,000, 2.625% if > $500,000 (city_transfer_tax_rate shown as the 1.425% residential rate for the common >$500k case). RPTT is customarily paid by the SELLER (grantor); the NYS 0.4% transfer tax is also seller-paid. Buyers of $1M+ residential property additionally owe the NYS "mansion tax" (1% and up). NYC is unusual in having NO county recorder -- the NYC Office of the City Register (ACRIS) handles recording for Queens/Manhattan/Bronx/Brooklyn (Staten Island uses the Richmond County Clerk).
Recording fees in Queens County
Queens is a NYC borough; deeds/mortgages are recorded by the NYC Office of the City Register via ACRIS (Queens office: 144-06 94th Ave, Jamaica, NY 11435), NOT a county recorder. Per the official City Register Schedule of Property Recording Fees: recording an instrument (deed/mortgage) = $12.00 base + $5.00 per page (or part thereof), with a $5.00 statutory surcharge per document, PLUS a mandatory Recording & Endorsement (cover) page charged the statutory $5.00 per page. This nets to roughly $32 for a minimal deed plus $5/page thereafter (~$42 minimum for a typical 2-page deed). Small-font (<8pt) or oversized double-column pages: $24 base + $10/page (+$5 surcharge). Additional blocks: $2.00 each beyond one. Additional lots: $3.00 each beyond one. Separately, recording a deed requires the NYC RPTT return (Form NYC-RPT, $25.00 filing fee) and the NYS combined transfer-tax return (TP-584). Fees payable to NYC Department of Finance. (Base fee figures are from the City Register's published schedule; modern marginal increases to the headline base may apply, but the per-page/surcharge/block/lot structure is current.)
Official recorder: Queens County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Queens County
Across 7,169 home-purchase mortgages originated in Queens County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $9,048, of which about $5,143 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 36081, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Queens 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 Queens County?
Queens County (New York): the applicable real-estate transfer tax works out to about 0.4%, before any additional city tax. Queens has NO county-specific transfer tax; the locality-level tax is the citywide NYC Real Property Transfer Tax (RPTT), on top of the NYS transfer tax. RPTT residential rates: 1.0% if price <= $500,000, 1.425% if > $500,000; commercial: 1.425% if <= $500,000, 2.625% if > $500,000 (city_transfer_tax_rate shown as the 1.425% residential rate for the common >$500k case). RPTT is customarily paid by the SELLER (grantor); the NYS 0.4% transfer tax is also seller-paid. Buyers of $1M+ residential property additionally owe the NYS "mansion tax" (1% and up). NYC is unusual in having NO county recorder -- the NYC Office of the City Register (ACRIS) handles recording for Queens/Manhattan/Bronx/Brooklyn (Staten Island uses the Richmond County Clerk).
What are recording fees in Queens County?
Queens is a NYC borough; deeds/mortgages are recorded by the NYC Office of the City Register via ACRIS (Queens office: 144-06 94th Ave, Jamaica, NY 11435), NOT a county recorder. Per the official City Register Schedule of Property Recording Fees: recording an instrument (deed/mortgage) = $12.00 base + $5.00 per page (or part thereof), with a $5.00 statutory surcharge per document, PLUS a mandatory Recording & Endorsement (cover) page charged the statutory $5.00 per page. This nets to roughly $32 for a minimal deed plus $5/page thereafter (~$42 minimum for a typical 2-page deed). Small-font (<8pt) or oversized double-column pages: $24 base + $10/page (+$5 surcharge). Additional blocks: $2.00 each beyond one. Additional lots: $3.00 each beyond one. Separately, recording a deed requires the NYC RPTT return (Form NYC-RPT, $25.00 filing fee) and the NYS combined transfer-tax return (TP-584). Fees payable to NYC Department of Finance. (Base fee figures are from the City Register's published schedule; modern marginal increases to the headline base may apply, but the per-page/surcharge/block/lot structure is current.)
How much are closing costs in Queens County?
Closing costs in Queens 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 Queens County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 7,169 home-purchase mortgages in Queens County were about $9,048, of which roughly $5,143 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.