New homes in New York.

Local agent spot

This featured-agent spot is open for a licensed local real estate professional in New York.

What can I afford?

Estimate a comfortable price range in under a minute, then connect with a lender for real numbers.

Rough estimate only (28% of income toward housing, ~6.5% illustrative rate, 30-year term) — not a loan offer or pre-qualification. Connect with a lender for real numbers →

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NYC Co-ops: A Unique Ownership Structure

New York City has a large inventory of cooperative apartments (co-ops) — a unique ownership structure where you own shares in a corporation rather than real property. Co-op purchases require board package submission and board approval after contract. The board can reject buyers for various reasons. Understanding co-op versus condo before searching in NYC is essential.

Attorney Closing State: Manhattan to Buffalo

New York is an attorney closing state statewide. In NYC attorneys negotiate the contract of sale after offer acceptance — a process that takes 1-2 weeks. Upstate contracts are handled more like other states. Budget $1,500-$3,000 for attorney fees in NYC, $800-$1,500 upstate.

NYC Transfer and Mansion Taxes Are Significant

New York City buyers pay state transfer tax, NYC transfer tax, and for purchases over $1 million, an additional mansion tax of 1-3.9% of purchase price. Mortgage recording tax adds another 1.8-1.925% for financed purchases. Always calculate total closing costs precisely — they are substantially higher in NYC than anywhere else in the state.

Upstate NY: Overlooked Affordability

Buffalo, Rochester, and Syracuse consistently rank among the most affordable mid-sized cities in the entire Northeast. For buyers who can work remotely or find employment in upstate's healthcare, education, or manufacturing sectors, these markets offer remarkable quality of life at prices that coastal buyers find almost unbelievable.

Hudson Valley: NYC's Lifestyle Escape

The Hudson Valley has experienced dramatic appreciation as NYC residents discovered that Kingston, Hudson, Rhinebeck, and surrounding communities offered space, natural beauty, and community character within 2 hours of the city. This migration has permanently elevated Hudson Valley prices and created a strong lifestyle real estate market.

STAR Program: Apply After Closing

New York's STAR (School Tax Relief) program reduces school property taxes for owner-occupied primary residences. The Basic STAR is available to most homeowners. The Enhanced STAR provides additional savings for seniors 65+. Apply through your local assessor's office after closing — it is not automatic and can save hundreds to thousands annually.