Westchester County, New York Closing Costs
On the $638,400 median Westchester County home, the county-specific closing items come to about $26,464: transfer tax $22,342, title insurance $3,792, recording fees $330. 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 | $5,248 | $1,225 | $330 | $6,803 |
| $200,000 | $6,998 | $1,494 | $330 | $8,822 |
| $250,000 | $8,748 | $1,763 | $330 | $10,841 |
| $300,000 | $10,498 | $2,032 | $330 | $12,860 |
| $350,000 | $12,248 | $2,301 | $330 | $14,879 |
| $400,000 | $13,998 | $2,570 | $330 | $16,898 |
| $450,000 | $15,748 | $2,839 | $330 | $18,917 |
| $500,000 | $17,498 | $3,108 | $330 | $20,936 |
| $600,000 | $20,998 | $3,600 | $330 | $24,928 |
| $700,000 | $24,498 | $4,091 | $330 | $28,919 |
| $800,000 | $27,998 | $4,583 | $330 | $32,911 |
| $1,000,000 | $44,998 | $5,565 | $330 | $50,893 |
Frequently asked questions
How much are closing costs in Westchester County?
On the $638,400 median home, the county-specific items come to about $26,464: transfer tax $22,342 including Westchester County mortgage recording tax (local component) and Yonkers mortgage recording tax (local component, city of Yonkers only), title insurance $2,917 for the owner's policy and $875 for the lender's, and about $330 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 Westchester 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
- Westchester County Clerk, Land Records Fees page
- Westchester County Clerk, Land Records Fees page
- TIRSA Rate Manual, Seventh Revision, approved by NYDFS June 10, 2024, effective October 1, 2024
- Westchester County Clerk, Land Records Division fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All New York buyer closing costs → Westchester County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Westchester County overview