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    •                    NY State Mortgage Tax Rates

     

    CountyDescriptionPercentage
    New York (including Queens, Bronx, Kings, Richmond and New York)
    If the loan amount is less than $500,000
    .  The borrower pays 1.80% minus $30.00 if the property is 1-2 family and the loan is $10,000     or     more.* (see below)
    .  The lender pays .25% if the property is a 1-6 family.

    If the loan amount is more than $500,000
    .  The borrower pays 1.925% minus $30.00 if the property is 1-2 family and the loan is $10,000     or     more.* (see below)
    .  The lender pays .25% if the property is a 1-6 family.
    2.05%




    2.175%
    Orange, Putnam, Nassau, Suffolk and Dutchess
    		.  The borrower pays .80% minus $30.00 if the property is 1-2 family and the loan is $10,000 or     more.* (see below)
    .  The lender pays .25% if the property is a 1-6 family.
    1.05%
    Westchester (excluding Yonkers), and Rockland
    		.  The borrower pays 1.05% minus $30.00 if the property is 1-2 family and the loan is $10,000     or     more.* (see below)
    .  The lender pays .25% if the property is a 1-6 family.
    1.30%
    Yonkers
    		.  The borrower pays 1.55% minus $30.00 if the property is 1-2 family and the loan is $10,000     or     more.* (see below)
    .  The lender pays .25% if the property is a 1-6 family.
    1.80%
    Albany, Chautauqua, Columbia, Essex, Gennesee,Rensselaer, Schenectady, Steuben, Warren, Wayne and Wyoming.  The borrower pays 1.00% minus $30.00 if the property is 1-2 family and the loan is $10,000     or     more.* (see below)
    .  The lender pays .25% if the property is a 1-6 family.
    1.25%
    Allegany, Broome, Cayuga, Cattaraugus, Clinton, Delaware, Erie, Franklin, Fulton, Herkimer, Lewis, Livingston, Monroe, Niagara, Oneida, Onondaga, Orleans, Oswego, Saratoga, Schoharie, Schuyler, Seneca, Sullivan, Washington and Yates.  The borrower pays .75% minus $30.00 if the property is 1-2 family and the loan is $10,000     or     more.* (see below)
    .  The lender pays .25% if the property is a 1-6 family.
    1.25%
    Chemung, Chenango, Cortland, Greene, Hamilton, Jefferson, Madison, Montgomery, Ontario, Otsego, St. Lawrence, Tioga, Tompkins and Ulster .  The borrower pays .75% minus $30.00 if the property is 1-2 family and the loan is $10,000     or     more.* (see below)
    .  The lender pays .25% if the property is a 1-6 family.
    1.25%