Suffolk County, New York Closing Costs

On the $539,500 median Suffolk County home, the county-specific closing items come to about $12,031: transfer tax $7,821, title insurance $3,305, recording fees $905. 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$2,173$1,225$905$4,303
$200,000$2,898$1,494$905$5,297
$250,000$3,623$1,763$905$6,291
$300,000$4,348$2,032$905$7,285
$350,000$5,073$2,301$905$8,279
$400,000$5,798$2,570$905$9,273
$450,000$6,523$2,839$905$10,267
$500,000$7,248$3,108$905$11,261
$600,000$8,698$3,600$905$13,203
$700,000$10,148$4,091$905$15,144
$800,000$11,598$4,583$905$17,086
$1,000,000$24,498$5,565$905$30,968

Frequently asked questions

How much are closing costs in Suffolk County?

On the $539,500 median home, the county-specific items come to about $12,031: transfer tax $7,821 including Mortgage Recording Tax (combined Suffolk County rate), title insurance $2,542 for the owner's policy and $763 for the lender's, and about $905 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 Suffolk 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 → Suffolk County home buyer guide →

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

Suffolk County overview