Suffolk County closing costs
The county-specific transfer tax and deed recording fees for Suffolk 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
- $11,200
- median of 10,814 purchase loans · HMDA 2023
Suffolk County compared with New York counties
In the verified New York county records we have, Suffolk 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
- 10,814
- purchase loans in 2023
Suffolk County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Suffolk County
NYS transfer tax (0.4%, $2/$500) is state-level and seller-paid; recording fees customarily paid by buyer. KEY LOCAL QUIRK: the five East End towns (East Hampton, Riverhead, Shelter Island, Southampton, Southold) levy a 2% Peconic Bay Region Community Preservation Fund (CPF) transfer tax paid by the BUYER/grantee (after a per-town improved/unimproved exemption), and East Hampton, Shelter Island, Southampton, and Southold add a further 0.5% Community Housing Fund tax (eff. 4/1/2023; Riverhead opted out). These are TOWN-level CPF taxes, not countywide, and do not apply to the rest of Suffolk (Babylon, Brookhaven, Huntington, Islip, Smithtown). No incorporated city in the county levies its own transfer tax.
Recording fees in Suffolk County
Deed recording: $40 base recording fee plus $5 per page; the cover page counts as the first page ($5). Additional fees: each name over 2 = $0.50; each cross-reference = $0.50; TP-584 Transfer Tax Affidavit = $5; RP-5217 Real Property Transfer Report = $125 for residential/agricultural property or $250 for all other property types. (NYS deed transfer tax of $2.00 per $500 of consideration, i.e. 0.4%, is collected separately and is state-level, paid by the seller; NYS mansion tax applies to residential sales of $1M+.)
Official recorder: Suffolk County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Suffolk County
Across 10,814 home-purchase mortgages originated in Suffolk County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $11,200, of which about $6,019 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 36103, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Suffolk 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 Suffolk County?
Suffolk County (New York): the applicable real-estate transfer tax works out to about 0.4%. NYS transfer tax (0.4%, $2/$500) is state-level and seller-paid; recording fees customarily paid by buyer. KEY LOCAL QUIRK: the five East End towns (East Hampton, Riverhead, Shelter Island, Southampton, Southold) levy a 2% Peconic Bay Region Community Preservation Fund (CPF) transfer tax paid by the BUYER/grantee (after a per-town improved/unimproved exemption), and East Hampton, Shelter Island, Southampton, and Southold add a further 0.5% Community Housing Fund tax (eff. 4/1/2023; Riverhead opted out). These are TOWN-level CPF taxes, not countywide, and do not apply to the rest of Suffolk (Babylon, Brookhaven, Huntington, Islip, Smithtown). No incorporated city in the county levies its own transfer tax.
What are recording fees in Suffolk County?
Deed recording: $40 base recording fee plus $5 per page; the cover page counts as the first page ($5). Additional fees: each name over 2 = $0.50; each cross-reference = $0.50; TP-584 Transfer Tax Affidavit = $5; RP-5217 Real Property Transfer Report = $125 for residential/agricultural property or $250 for all other property types. (NYS deed transfer tax of $2.00 per $500 of consideration, i.e. 0.4%, is collected separately and is state-level, paid by the seller; NYS mansion tax applies to residential sales of $1M+.)
How much are closing costs in Suffolk County?
Closing costs in Suffolk 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 Suffolk County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 10,814 home-purchase mortgages in Suffolk County were about $11,200, of which roughly $6,019 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.