Westchester Buyer Closing Cost Calculator
The 1% New York mansion tax at $1M and above, Westchester’s 1.30% mortgage recording tax (the borrower pays 1.05%), title insurance and county fees, by town.
Your purchase
On a $2.00M 70%-financed purchase in Scarsdale (Westchester County), buyer closing costs run approximately $60,395 (3.02% of price). Outside NYC the mansion tax is a flat 1% at $1M and up, and there is no city transfer tax.
Statutory taxes + recording
$35,2451% of the entire price on residential purchases of $1M or more, buyer-paid. NYC's graduated rates (up to 3.9%) apply only inside the city.
Source: NY Tax Law §1402-a
Westchester's total is 1.30%: the borrower pays 1.05% (including the 0.25% county tax), less $30 on a 1-2 family dwelling, and the lender pays the 0.25% special additional tax. Yonkers is 1.80%; this assumes the parcel is in the town named.
Source: NY Tax Law §253; Form MT-15; County Clerk
Westchester: $125 RP-5217 filing plus deed and mortgage recording and page fees. Confirm with the County Clerk.
Source: Westchester County Clerk schedule
Title insurance
$12,100Estimated at ~0.5% of price. Nassau, Suffolk and Westchester share NYC's TIRSA zone; the premium includes the title search. Buyer-paid in NY.
Source: TIRSA Zone 2 rate (estimate)
Source: TIRSA simultaneous-issue rate (estimate)
Service + lender fees
$13,050Range $2,500-$5,000. New York buyers retain counsel for contract and closing.
Source: Market typical
Source: Market typical
School, town/village and county taxes prorate at closing on the local tax calendar.
Source: Varies by closing date
Estimated at 0.5% of loan. Range 0-1.5% on jumbo loans.
Source: Market typical
Source: Market typical
Source: Market typical
Note: Taxes follow the parcel's actual municipality, not its mailing address. Some Bronxville, Scarsdale and Larchmont ZIP codes include parcels in Yonkers or New Rochelle; Yonkers adds its own transfer tax and a 1.80% mortgage tax.
Planning a Westchester purchase?
The figures above are statutory taxes and estimated fees. Send the town and your price range to discuss the transaction and, where it connects to an NYC sale or purchase, how the two sides fit together.
The Roebling Team at Compass is a New York–licensed practice concentrated in Manhattan. For Westchester transactions, we typically collaborate with Compass agents specializing in Westchester market — clients get on-the-ground expertise on local inventory and dynamics while keeping the analytical framework consistent across their NY portfolio. This calculator is an informational research tool, not solicitation of representation.
For trans-market clients (Manhattan + Westchester portfolios) or to discuss your specific transaction, schedule a consultation. Where appropriate, we’ll introduce you to a vetted Compass agent specializing in Westchester.