Westchester County closing costs
The county-specific transfer tax and deed recording fees for Westchester 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
- $7,298
- median of 6,062 purchase loans · HMDA 2023
Westchester County compared with New York counties
In the verified New York county records we have, Westchester 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
- 6,062
- purchase loans in 2023
Westchester County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Westchester County
Outside NYC: seller pays NYS transfer tax; buyer pays mansion tax on $1M+. Check for a city-specific tax (Yonkers/Mount Vernon).
Recording fees in Westchester County
NYS transfer tax ($4/$1,000) applies; Westchester has no general county transfer tax, but the City of Yonkers and the City of Mount Vernon levy their own. Mansion tax applies on $1M+ statewide.
Official recorder: Westchester County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Westchester County
Across 6,062 home-purchase mortgages originated in Westchester County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $7,298, of which about $3,093 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 36119, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Westchester 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 Westchester County?
Westchester County (New York): the applicable real-estate transfer tax works out to about 0.4%. Outside NYC: seller pays NYS transfer tax; buyer pays mansion tax on $1M+. Check for a city-specific tax (Yonkers/Mount Vernon).
What are recording fees in Westchester County?
NYS transfer tax ($4/$1,000) applies; Westchester has no general county transfer tax, but the City of Yonkers and the City of Mount Vernon levy their own. Mansion tax applies on $1M+ statewide.
How much are closing costs in Westchester County?
Closing costs in Westchester 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 Westchester County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 6,062 home-purchase mortgages in Westchester County were about $7,298, of which roughly $3,093 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.