Yonkers, NY local closing costs

Cost to sell a house in Yonkers, NY.

On a typical $260,000 Yonkers sale, total seller costs to list and close traditionally run about $26,100 roughly 10.0% of the sale price. Here's the line-item breakdown.

Median DOM: 38 days
Median income: $74,744
Total transfer rate: 1.90%

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List with an agent

$260,000 sale price

Agent commission (5.5%)$14,300
State + local transfer tax (1.9%)$4,940
Owner's title insurance (0.6%)$1,560
Recording / settlement / attorney$1,500
Pre-listing repairs (1%)$2,600
Staging + photography$1,200

Total costs$26,100

Net to seller$233,900

Time to close varies with market demand, financing, inspections, and title work.

Home Posted cash offer

$202,800 offer (~78% of retail)

Agent commission$0
Transfer tax(Buyer pays)$0
Title insurance(Buyer pays)$0
Closing / attorney fees(Buyer pays)$0
Repairs(As-is, buyer's problem)$0
Staging / photography(Not needed)$0

Total costs$0

Net to seller$202,800

Timing, contingencies, and seller costs are stated in the written offer.

Net difference

Listing nets you more: $31,100

The trade is time, certainty and effort vs the last few percent of retail. If your house needs repairs or you can't wait 90 days, the cash path usually wins on the math too.

Attorney required?

Yes, New York customarily requires an attorney at closing.

Transfer tax

NY state RETT $2/$500; NYC adds 1% mansion tax above $1M. Attorney required.

Repair credits

On a traditional listing, post-inspection repair credits in Yonkers commonly cost sellers another $2-8k beyond the budget above.

Yonkers adds a local surtax

Yonkers transfer tax, +1.50%

Yonkers adds a 1.5% city transfer tax on top of the NY state RETT.

Result: on a $260,000 sale, Yonkers's transfer tax line is $4,940 instead of $1,040 at the state baseline.

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