New York Mortgage Tax Rates

Special note regarding mortgage tax rates for all counties in New York

  • A $30.00 exemption applies if the property is 1-2 family and the loan amount is $10,000 or more.
  • The lender pays 0.25% of the mortgage tax if the property is 1-6 family.

Bronx, Kings, Queens, New York, Richmond Counties

Loan Amount Less Than $500,000

All property types 2.05%

Loan Amount $500,000 or More

1-3 family residential dwelling 2.175%
All other property types 2.8%

All Other Counties

Albany 1.25%
Allegany 1.00%
Broome 1.00%
Cattaraugus 1.25%
Cayuga 1.00%
Chautauqua 1.25%
Chemung 0.75%
Chenango 0.75%
Clinton 1.00%
Columbia 1.25%
Cortland 1.00%
Delaware 1.00%
Dutchess 1.05%
Erie 1.00%
Essex 1.25%
Franklin 1.00%
Fulton 1.00%
Genesee 1.25%
Greene 1.25%
Hamilton 1.00%
Herkimer 1.00%
Jefferson 0.75%
Lewis 1.00%
Livingston 1.00%
Madison 0.75%
Monroe 1.00%
Montgomery 0.75%
Nassau 1.05%
Niagara 1.00%
Oneida 1.00%
Onondaga 1.00%
Ontario 0.75%
Orange 1.05%
Orleans 1.00%
Oswego 1.00%
Otsego 0.75%
Putnam 1.05%
Rensselaer 1.25%
Rockland 1.30%
St. Lawrence 0.75%
Saratoga 1.00%
Schenectady 1.25%
Schoharie 1.00%
Schuyler 1.00%
Seneca 1.00%
Steuben 1.25%
Suffolk 1.05%
Sullivan 1.00%
Tioga 0.75%
Tompkins 0.75%
Ulster 0.75%
Warren 1.25%
Washington 1.00%
Wayne 1.25%
Westchester (except Yonkers) 1.30%
Yonkers
1.80%
Wyoming 1.25%
Yates 1.00%

For questions, contact our recording department at 631.424.6100 or recordings@advantagetitle.com