New York Home Seller Net Proceeds Calculator
Estimate exactly what you'll walk away with after selling a home in New York. Defaults below reflect typical New York transfer-tax treatment, title custom, and seller closing costs.
Estimated net proceeds — New York
$0
Enter a sale price below to estimate your net proceeds in New York.
Net Proceeds Calculator — New York
Defaults reflect typical New York practice. Edit any field to match your transaction.
Figures last updated: June 2026
Sale & loan
Commission
Post-NAR settlement: the buyer-agent share is negotiable. Switch to listing-only if you're not offering buyer-agent compensation.
Title & closing costs
In New York, the buyer customarily pays this. Informational only — the premium amount isn't included in the totals below.
Optional adjustments
Breakdown
| Gross sale price | $0 |
| Agent commission | − $0 |
| Mortgage payoff | − $0 |
| Title / escrow services | − $0 |
| Transfer / excise tax | − $0 |
| Recording fees | − $75 |
| Attorney fee | − $1,750 |
| Home warranty | − $0 |
| Repairs / concessions | − $0 |
| Property tax proration | − $0 |
| HOA dues owed | − $0 |
| Total deductions | − $1,825 |
| Estimated net proceeds | $0 |
Selling a home in New York: what to expect
Transfer / excise tax
0.4% (<$3M) / 0.65% ($3M+) state, applied to whole price — NYC adds 1%-1.425%+ local RPTT; buyer pays mansion tax 1%+. Brackets cover STATE portion only.
Title & closing custom
Attorney-state: attorneys conduct closings. Owner's title policy customarily paid by BUYER.
Recording fees vary; ~$50-$300+ depending on county and document length.
Typical commission
Around 5% of the sale price in New York, split between the listing and buyer's agents. Always negotiable.
Typical total seller closing costs
About 1.5%-3.0% of sale price (significantly higher in NYC) (excluding agent commission).
Notes specific to New York
- New York charges a state RETT of 0.4% paid by the seller; NYC layers on its own RPTT of 1.0% or 1.425% on residential sales, also paid by the seller.
- The well-known "mansion tax" of 1%-3.9% on sales above $1M is paid by the BUYER, not the seller — but it can affect what buyers are willing to offer.
- New York is an attorney-state; both buyer and seller typically retain attorneys for the closing.
Frequently asked questions — New York
Who pays the transfer tax in New York?
0.4% (<$3M) / 0.65% ($3M+) state, applied to whole price — NYC adds 1%-1.425%+ local RPTT; buyer pays mansion tax 1%+. Brackets cover STATE portion only.
What are typical seller closing costs in New York?
Excluding the real estate agent commission, sellers in New York typically pay about 1.5%-3.0% of sale price (significantly higher in NYC) of the sale price in closing costs. Attorney-state: attorneys conduct closings. Owner's title policy customarily paid by BUYER.
What is the typical real estate commission in New York?
The typical combined real estate commission in New York is around 5% of the sale price, split between the listing and buyer's agents. Commission is always negotiable.
Do I need an attorney to sell a home in New York?
New York is an attorney-state; both buyer and seller typically retain attorneys for the closing.