Onondaga County, New York Closing Costs

On the $185,300 median Onondaga County home, the county-specific closing items come to about $4,181: transfer tax $2,592, title insurance $1,418, recording fees $171. Lender fees, appraisal and prepaids are added by the loan, not the county.

County-specific closing costs by purchase price

Purchase priceTransfer taxTitle insurance (both policies)Recording feesTotal
$150,000$2,098$1,225$171$3,494
$200,000$2,798$1,494$171$4,463
$250,000$3,498$1,763$171$5,432
$300,000$4,198$2,032$171$6,401
$350,000$4,898$2,301$171$7,370
$400,000$5,598$2,570$171$8,339
$450,000$6,298$2,839$171$9,308
$500,000$6,998$3,108$171$10,277
$600,000$8,398$3,600$171$12,169
$700,000$9,798$4,091$171$14,060
$800,000$11,198$4,583$171$15,952
$1,000,000$23,998$5,565$171$29,734

Frequently asked questions

How much are closing costs in Onondaga County?

On the $185,300 median home, the county-specific items come to about $4,181: transfer tax $2,592 including Onondaga County Mortgage Recording Tax (county-specific total rate), title insurance $1,091 for the owner's policy and $327 for the lender's, and about $171 to record the deed and mortgage. Lender fees, an appraisal, prepaid taxes and insurance come on top and depend on the loan.

Who pays these in Onondaga County?

The seller customarily pays the New York transfer tax. Who pays the owner's title policy is negotiable; the buyer pays the lender's policy and the mortgage recording fee.

Sources

Figures are computed from the documents above and rounded to the dollar. All sources.

All New York buyer closing costs → Onondaga County home buyer guide →

Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.

Onondaga County overview