Local costs · New York
What a home costs across New York
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in New York, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,628 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- NY state transfer tax: stepped by price bracket — seller customarily paysNY mansion tax: stepped by price bracket — buyer customarily paysNYC levies an additional city RPTT (see borough adders); Yonkers and Mt. Vernon also levy city taxes.On the $449,800 state median home, the buyer’s customary share is about $0; the seller customarily covers about $1,799.
- Title insurance
- New York uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- New York income tax is modeled at about 4.20% effective for a married household at $100,000 (4.86% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 62 counties in New York
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Albany County | 1.76% | $1,070–$2,380typical $1,640 |
| Allegany County | 2.92% | $1,030–$2,290typical $1,580 |
| Bronx County | 1.03% | $1,120–$2,510typical $1,730 |
| Broome County | 2.52% | $900–$2,000typical $1,380 |
| Cattaraugus County | 2.65% | $920–$2,040typical $1,410 |
| Cayuga County | 2.19% | $860–$1,930typical $1,330 |
| Chautauqua County | 2.27% | $900–$2,000typical $1,380 |
| Chemung County | 2.45% | $790–$1,770typical $1,220 |
| Chenango County | 2.26% | $940–$2,090typical $1,440 |
| Clinton County | 2.00% | $790–$1,770typical $1,220 |
| Columbia County | 1.40% | $1,310–$2,930typical $2,020 |
| Cortland County | 2.56% | $790–$1,770typical $1,220 |
| Delaware County | 1.72% | $1,120–$2,490typical $1,720 |
| Dutchess County | 1.89% | $1,550–$3,470typical $2,390 |
| Erie County | 1.98% | $790–$1,770typical $1,220 |
| Essex County | 1.47% | $860–$1,910typical $1,320 |
| Franklin County | 1.68% | $790–$1,770typical $1,220 |
| Fulton County | 2.06% | $1,010–$2,250typical $1,550 |
| Genesee County | 2.41% | $790–$1,770typical $1,220 |
| Greene County | 1.49% | $1,420–$3,180typical $2,190 |
| Hamilton County | 1.00% | $790–$1,770typical $1,220 |
| Herkimer County | 2.10% | $790–$1,770typical $1,220 |
| Jefferson County | 1.54% | $790–$1,770typical $1,220 |
| Kings County | 0.70% | $1,120–$2,510typical $1,730 |
| Lewis County | 1.62% | $790–$1,770typical $1,220 |
| Livingston County | 2.46% | $790–$1,770typical $1,220 |
| Madison County | 2.27% | $800–$1,780typical $1,230 |
| Monroe County | 2.63% | $790–$1,770typical $1,220 |
| Montgomery County | 2.46% | $890–$1,990typical $1,370 |
| Nassau County | 1.46%* | $1,150–$2,570typical $1,770 |
| New York County | 0.92%* | $1,110–$2,480typical $1,710 |
| Niagara County | 2.19% | $790–$1,770typical $1,220 |
| Oneida County | 2.02% | $790–$1,770typical $1,220 |
| Onondaga County | 2.44% | $890–$1,990typical $1,370 |
| Ontario County | 2.05% | $790–$1,770typical $1,220 |
| Orange County | 2.19% | $1,350–$3,020typical $2,080 |
| Orleans County | 2.71% | $790–$1,770typical $1,220 |
| Oswego County | 2.40% | $790–$1,770typical $1,220 |
| Otsego County | 1.70% | $790–$1,770typical $1,220 |
| Putnam County | 2.12%* | $1,180–$2,640typical $1,820 |
| Queens County | 0.87% | $1,120–$2,510typical $1,730 |
| Rensselaer County | 2.05% | $1,090–$2,420typical $1,670 |
| Richmond County | 0.92% | $1,210–$2,700typical $1,860 |
| Rockland County | 1.68%* | $1,090–$2,420typical $1,670 |
| Saratoga County | 1.40% | $960–$2,130typical $1,470 |
| Schenectady County | 2.36% | $960–$2,150typical $1,480 |
| Schoharie County | 2.03% | $950–$2,120typical $1,460 |
| Schuyler County | 1.97% | $880–$1,960typical $1,350 |
| Seneca County | 2.19% | $790–$1,770typical $1,220 |
| St. Lawrence County | 2.33% | $790–$1,770typical $1,220 |
| Steuben County | 2.46% | $790–$1,770typical $1,220 |
| Suffolk County | 1.73%* | $1,220–$2,710typical $1,870 |
| Sullivan County | 2.00% | $1,180–$2,640typical $1,820 |
| Tioga County | 2.33% | $870–$1,940typical $1,340 |
| Tompkins County | 2.24% | $790–$1,770typical $1,220 |
| Ulster County | 1.77% | $1,340–$2,990typical $2,060 |
| Warren County | 1.47% | $830–$1,840typical $1,270 |
| Washington County | 2.01% | $990–$2,200typical $1,520 |
| Wayne County | 2.50% | $790–$1,770typical $1,220 |
| Westchester County | 1.51%* | $1,070–$2,380typical $1,640 |
| Wyoming County | 2.25% | $900–$2,020typical $1,390 |
| Yates County | 1.88% | $820–$1,830typical $1,260 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.