Mortgage Tax Guide
Rates accurate as of 4/2020 MT-15
Last verified 11/2022
For New York City, see separate NYC Tax Page
New York State Mortgage Tax Guide |
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| County | Mortgage Tax Rate | Residential Exemption |
| Albany | 1.25% | $25 |
| Allegany | 1.00% | $25 |
| Bronx | View NYC Tax Page | |
| Broome | 1.00% | $25 |
| Cattaraugus | 1.25% | $25 |
| Cayuga | 1.00% | $25 |
| Chautauqua | 1.25% | $25 |
| Chemung | 0.75% | $25 |
| Chenango | 0.75% | $25 |
| Clinton | 1.00% | $25 |
| Columbia | 1.25% | $25 |
| Cortland | 1.00% | $25 |
| Delaware | 1.00% | $25 |
| Dutchess | 1.05% | $30 |
| Dutchess (Red Hook) | 1.05% | $30 |
| Erie | 1.00% | $25 |
| Essex | 1.25% | $25 |
| Franklin | 1.00% | $25 |
| Fulton | 1.00% | $25 |
| Genesee | 1.25% | $25 |
| Greene | 1.25% | $25 |
| Hamilton | 1.00% | $25 |
| Herkimer | 1.00% | $25 |
| Jefferson | 0.75% | $25 |
| Kings | View NYC Tax Page | |
| Lewis | 1.00% | $25 |
| Livingston | 1.25% | $25 |
| Madison | 1.00% | $25 |
| Monroe | 1.00% | $25 |
| Montgomery | 0.75% | $25 |
| Nassau | 1.05% | $30 |
| New York | View NYC Tax Page | |
| Niagara | 1.00% | $25 |
| Oneida | 1.00% | $25 |
| Onondaga | 1.00% | $25 |
| Ontario | 1.00% | $25 |
| Orange | 1.05% | $30 |
| Orange (Warwick) | 1.05% | $30 |
| Orleans | 1.00% | $25 |
| Oswego | 1.00% | $25 |
| Otsego | 0.75% | $25 |
| Putnam | 1.05% | $30 |
| Queens | View NYC Tax Page | |
| Rensselaer | 1.25% | $25 |
| Richmond | View NYC Tax Page | |
| Rockland | 1.30% | $30 |
| Saratoga | 1.00% | $25 |
| Schenectady | 1.25% | $25 |
| Schoharie | 1.00% | $25 |
| Schuyler | 1.00% | $25 |
| Seneca | 1.00% | $25 |
| St. Lawrence | 0.75% | $25 |
| Steuben | 1.25% | $25 |
| Suffolk | 1.05% | $30 |
| Suffolk (Shelter Island, South Hampton, East Hampton) | 1.05% | $30 |
| Suffolk (Southold and Riverhead) | 1.05% | $30 |
| Sullivan | 1.00% | $25 |
| Tioga | 0.75% | $25 |
| Tompkins | 1.00% | $25 |
| Ulster | 0.75% | $25 |
| Warren | 1.25% | $25 |
| Washington | 1.25% | $25 |
| Wayne | 1.25% | $25 |
| Westchester (except Yonkers, Mt. Vernon or Peekskill) | 1.30% | $30 |
| Westchester (Mt. Vernon) | 1.30% | $30 |
| Westchester (Peekskill) | 1.30% | $30 |
| Westchester (Yonkers) | 1.80% | $30 |
| Wyoming | 1.25% | $25 |
| Yates | 1.00% | $25 |