Saratoga County, New York Closing Costs
On the $324,800 median Saratoga County home, the county-specific closing items come to about $3,644: transfer tax $1,297, title insurance $2,167, recording fees $180. Lender fees, appraisal and prepaids are added by the loan, not the county.
County-specific closing costs by purchase price
| Purchase price | Transfer tax | Title insurance (both policies) | Recording fees | Total |
|---|---|---|---|---|
| $150,000 | $598 | $1,225 | $180 | $2,003 |
| $200,000 | $798 | $1,494 | $180 | $2,472 |
| $250,000 | $998 | $1,763 | $180 | $2,941 |
| $300,000 | $1,198 | $2,032 | $180 | $3,410 |
| $350,000 | $1,398 | $2,301 | $180 | $3,879 |
| $400,000 | $1,598 | $2,570 | $180 | $4,348 |
| $450,000 | $1,798 | $2,839 | $180 | $4,817 |
| $500,000 | $1,998 | $3,108 | $180 | $5,286 |
| $600,000 | $2,398 | $3,600 | $180 | $6,178 |
| $700,000 | $2,798 | $4,091 | $180 | $7,069 |
| $800,000 | $3,198 | $4,583 | $180 | $7,961 |
| $1,000,000 | $13,998 | $5,565 | $180 | $19,743 |
Frequently asked questions
How much are closing costs in Saratoga County?
On the $324,800 median home, the county-specific items come to about $3,644: transfer tax $1,297, title insurance $1,667 for the owner's policy and $500 for the lender's, and about $180 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 Saratoga 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
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- NY Tax Law Article 31
- TIRSA Rate Manual, Seventh Revision, approved by NYDFS June 10, 2024, effective October 1, 2024
- Saratoga County Clerk, Land Records fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All New York buyer closing costs → Saratoga County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Saratoga County overview