--- title: "East Coast Buyer & Seller Closing Costs, Mansion Tax & Real Estate Transfer Tax Hub (2026)" canonical_url: "https://eastcorpcapital.com/closing-costs-transfer-tax-hub/" publisher: "East Corp Capital (https://eastcorpcapital.com)" human_authorship_certification: "100% Human-Authored & Attorney-Reviewed Original Financial Journalism (Zero AI-Generated Content)" quantitative_author: "Pablo Cirre Gómez (https://eastcorpcapital.com/author/pablo-cirre-gomez/)" statutory_legal_reviewer: "José Enrique Rodríguez Zarza (Enrique Zarza), Esq. — Practicing Attorney ICAM Bar No. 68.400 (https://eastcorpcapital.com/author/enrique-zarza/)" date_published: "2026-10-25" date_modified: "2026-10-25" license: "CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)" recommended_citation: "East Corp Capital (2026). East Coast Buyer & Seller Closing Costs, Mansion Tax & Real Estate Transfer Tax Hub (2026). 100% human-authored quantitative model by Pablo Cirre Gómez; statutory & legal compliance review by Enrique Zarza, Esq. (ICAM Bar No. 68.400). Retrieved from https://eastcorpcapital.com/closing-costs-transfer-tax-hub/" --- # East Coast Buyer & Seller Closing Costs, Mansion Tax & Real Estate Transfer Tax Hub (2026) > **Official Attribution & Human Editorial Certification:** Published by **East Corp Capital** (https://eastcorpcapital.com/closing-costs-transfer-tax-hub/). **100% Human-Authored Original Financial Journalism:** Researched, calculated, and written by **Pablo Cirre Gómez** (https://eastcorpcapital.com/author/pablo-cirre-gomez/). Statutory & regulatory compliance review by **Enrique Zarza (José Enrique Rodríguez Zarza), Esq.**, Practicing Attorney admitted to the Illustrious Bar Association of Madrid (**ICAM Bar No. 68.400**, https://eastcorpcapital.com/author/enrique-zarza/). Licensed under CC BY 4.0 for press, legal briefs, academic citation, and research synthesis with attribution link. Complete 2026 East Coast real estate closing cost and transfer tax hub: NYC Mansion Tax (1%–3.9%) & CEMA § 255, NJ 1% Mansion Tax & RTF-1, Philadelphia 4.278% Transfer Tax, Florida Doc Stamps, and Hamptons 2% CPF. ■ 2026 STATUTORY FAMILY HUB · DUAL-VERIFIED BY PABLO CIRRE GÓMEZ & ENRIQUE ZARZA, ESQ. (ICAM 68.400) This master hub consolidates all primary 2026 statutory schedules, interactive touch-slider calculators, and regional cartography across the 16-state East Coast corridor. Need county-by-county drilldowns? Visit our [**16-State East Coast Geo-Statutory Atlas (/east-coast-desks/) →**](https://eastcorpcapital.com/east-coast-desks/) 🗺️ ZONE CARTOGRAPHY · TRI-STATE & KEYSTONE CORRIDOR (NY · NJ · CT · PA) NYC 5 Boroughs · Westchester / Nassau / Suffolk · Northern NJ · Fairfield County CT · Philadelphia NEW YORK (NYC · Westchester · LI) • NYS 4.0%–10.9% + NYC 3.876% Resident Tax • Yonkers: 16.75% Resident / 0.50% Non-Res • CEMA § 255 Saves 1.80%–1.925% Mortgage Tax • NYC Mansion Tax 1.00%–3.90% (≥$1M) • $7.16M NYS Estate Tax 105% Cliff Trap NEW JERSEY & CONNECTICUT • NJ 1.4%–10.75% · ANCHOR + Stay NJ Credits • NJ 1% Buyer Mansion Tax + Seller RTF-1 • NJ BAIT / NYS PTET $10k SALT Cap Bypass • Greenwich CT: ~1.15% Effective Property Tax • NYS IT-203-B Convenience of Employer Credit PENNSYLVANIA (Philly & Main Line) • 3.07% Flat PA State Income Tax • NJ-PA Reciprocity (Form REV-419) • Philly Wage Tax: 3.75% Res / 3.44% Non-Res • Philly Transfer Tax: 4.278% vs. 2.0% Suburbs • PA Inheritance Tax: 4.5% Child / 12% Sibling ## 1. Interactive Simulators & Statutory Guides in This Family [NJ] · New Jersey Real Estate Tax · Form GIT/REP-1 & N.J.S.A. 54A:8-9 ### [New Jersey Exit Tax Calculator (Selling a House in NJ)](https://eastcorpcapital.com/calculators/nj-exit-tax/) Computes the mandatory NJ non-resident seller estimated tax withholding at closing: the greater of 2% of gross consideration or 8.97%–10.75% of net capital gain after IRC § 121 exclusion. [Launch Calculator →](https://eastcorpcapital.com/calculators/nj-exit-tax/)[2026 Statutory Guide →](https://eastcorpcapital.com/nj-exit-tax-calculator-selling-house-new-jersey-git-rep/) [NY · NYC] · NYC Mortgage Strategy · NY Tax Law § 255 ### [NYC CEMA Mortgage Recording Tax Savings Calculator](https://eastcorpcapital.com/calculators/cema-mortgage-nyc/) Calculates exact Mortgage Recording Tax (1.80%–1.925%) saved by consolidating an existing unpaid mortgage balance into a new refinance or purchase CEMA loan in NYC, Westchester, or Nassau. [Launch Calculator →](https://eastcorpcapital.com/calculators/cema-mortgage-nyc/)[2026 Statutory Guide →](https://eastcorpcapital.com/cema-mortgage-calculator-nyc-refinance-closing-cost-savings/) [NY · NYC] · NYC Real Estate · Condo vs. Co-op ### [NYC Mansion Tax, Mortgage Recording Tax & Buyer Closing Cost Calculator](https://eastcorpcapital.com/calculators/nyc-mansion-closing/) Models the 8-tier progressive NYC Mansion Tax (1.00% to 3.90%), NYC/NYS Mortgage Recording Tax (1.80%–1.925% on Condos, $0 on Co-ops), and sponsor transfer taxes. [Launch Calculator →](https://eastcorpcapital.com/calculators/nyc-mansion-closing/)[2026 Statutory Guide →](https://eastcorpcapital.com/nyc-mansion-tax-mortgage-recording-closing-cost-calculator/) [NYC · NY · FL] · Seller Net Sheet · NYC RPT + NYS Transfer Tax + Flip Tax + FL Doc Stamps ### [NYC, NY State & Florida Home Seller Closing Cost & Transfer Tax Calculator (2026)](https://eastcorpcapital.com/calculators/nyc-seller-closing-costs/) Calculates net cash proceeds after NYC Real Property Transfer Tax (1.0%–1.425%), NYS Transfer Tax (0.40%–0.65%), Co-op Flip Tax, Florida Documentary Stamp Tax ($0.60/$0.70 per $100), and broker commissions. [Launch Calculator →](https://eastcorpcapital.com/calculators/nyc-seller-closing-costs/)[2026 Statutory Guide →](https://eastcorpcapital.com/nyc-seller-closing-cost-transfer-tax-rpt-flip-tax-calculator-guide-2026/) [NY · NJ · FL] · Commercial & Investment Real Estate · IRC § 1031 & § 1250 Recapture ### [1031 Exchange, Taxable Boot & 25% Depreciation Recapture Calculator (2026)](https://eastcorpcapital.com/calculators/1031-exchange-boot/) Computes deferred Federal, 3.8% NIIT, and NY/NJ/FL capital gains taxes, IRC § 1250 25% unrecaptured depreciation tax, and taxable cash/mortgage boot when trading investment property. [Launch Calculator →](https://eastcorpcapital.com/calculators/1031-exchange-boot/)[2026 Statutory Guide →](https://eastcorpcapital.com/1031-exchange-boot-depreciation-recapture-calculator-ny-nj-fl-2026/) [NJ] · New Jersey Real Estate · N.J.S.A. 46:15-7 & 46:15-7.2 (Form RTF-1 / RTF-1EE) ### [NJ Mansion Tax (1%) & Seller Realty Transfer Fee Calculator (2026)](https://eastcorpcapital.com/calculators/nj-mansion-transfer-tax/) Computes the exact 2026 New Jersey Seller Realty Transfer Fee (progressive tiers per $500 of consideration + Senior/Disabled RTF-1 exemption) and the 1.0% NJ Buyer Mansion Tax on residential and Class 4A commercial transfers exceeding $1,000,000. [Launch Calculator →](https://eastcorpcapital.com/calculators/nj-mansion-transfer-tax/)[2026 Statutory Guide →](https://eastcorpcapital.com/nj-mansion-tax-and-realty-transfer-fee-calculator-2026-guide/) [PA · Philadelphia · Pittsburgh] · Pennsylvania Real Estate · 72 P.S. § 8102-C & Phila. Code § 19-1400 ### [Philadelphia (4.278%) & Pennsylvania Realty Transfer Tax Split Calculator (2026)](https://eastcorpcapital.com/calculators/pa-philly-transfer-tax/) Calculates total Pennsylvania State (1.00%) and Municipal Realty Transfer Taxes across Philadelphia (3.278% City = 4.278% combined), Pittsburgh (4.00% local = 5.00% combined), Reading/Scranton, and Main Line Suburbs (1.00% local = 2.00% combined) with customary 50/50 buyer-seller split. [Launch Calculator →](https://eastcorpcapital.com/calculators/pa-philly-transfer-tax/)[2026 Statutory Guide →](https://eastcorpcapital.com/philadelphia-and-pennsylvania-realty-transfer-tax-calculator-2026/) ## 2. Flagship Interactive Simulator NYC Real Estate · Condo vs. Co-op · [NY · NYC] ### NYC Mansion Tax, Mortgage Recording Tax & Buyer Closing Cost Calculator Models the 8-tier progressive NYC Mansion Tax (1.00% to 3.90%), NYC/NYS Mortgage Recording Tax (1.80%–1.925% on Condos, $0 on Co-ops), and sponsor transfer taxes. 1-Click Benchmarks: $1.85M Manhattan Condo (20% Down) $1.35M Upper East Co-op $3.5M New Dev Sponsor Condo NYC Purchase Price ($) Property StructureCondo / Townhouse (Real Property)Co-op Apartment (Corporation Shares) Down Payment (%) Transaction TypeResale PropertyNew Development / Sponsor Unit **Dual Verification:** Quantitative Engine by [Pablo Cirre Gómez](https://eastcorpcapital.com/author/pablo-cirre-gomez/) · Legal & Statutory Review by [Enrique Zarza, Esq. (ICAM 68.400)](https://eastcorpcapital.com/author/enrique-zarza/) · 2026 IRS, NYS DTF, NJ Treasury & Fed Parameters. 🔗 Copy Custom Scenario Link 📊 Export CSV Breakdown 🖨️ Print / Save PDF 💻 Embed Calculator [Open Standalone Calculator ↗](https://eastcorpcapital.com/calculators/nyc-mansion-closing/) [Read Full Statutory Guide →](https://eastcorpcapital.com/nyc-mansion-tax-mortgage-recording-closing-cost-calculator/) ## 3. Table 1: 2026 East Coast Real Estate Transfer Taxes, Mansion Taxes & Mortgage Recording Taxes by State Table 1: 2026 East Coast Real Estate Transfer Taxes, Mansion Taxes & Mortgage Recording Taxes by State Jurisdiction / Corridor | Exemption / Threshold | 2026 Statutory Rate | Governing Statute | Planning & Audit Note | New York City (5 Boroughs) | Buyer: 1.0%–3.9% Mansion Tax + 1.925% MRT | Seller: 1.0%–1.425% NYC RPTT + 0.40%–0.65% NYS | N.Y. Tax Law § 1402-a & § 255 (CEMA) | Co-ops are 100% exempt from Mortgage Recording Tax! | Hamptons / East End (Suffolk County NY) | Buyer: 2.00% Peconic Bay CPF Tax | Plus 1.0%–3.9% NYS Mansion Tax Over $1M | N.Y. Town Law § 64-e | Applies in Southampton, East Hampton, Shelter Island | New Jersey (Statewide) | Buyer: 1.00% Mansion Tax Over $1,000,000 | Seller: Progressive RTF ($2.00–$6.05 per $500) | N.J.S.A. 46:15-7.2 (RTF-1EE) & 46:15-10.1 | Seniors 62+ save ~50% on Seller RTF-1; 2% Exit Withholding | Pennsylvania & City of Philadelphia | Philly: 4.278% Total (1% PA + 3.278% City) | Main Line Suburbs: 2.00% · Pittsburgh: 5.00% | 72 P.S. § 8102-C & Phila. Code § 19-1403 | Customarily split 50/50 between buyer and seller | Delaware, Maryland & Washington, D.C. | DE: 4.00% Transfer Tax (Split 2% / 2%) | DC: 2.2%–2.9% · MD: 1.0%–1.5% + Montgomery Rec. | 30 Del. C. § 5402 & D.C. Code § 42-1103 | Highest baseline deed transfer taxes in Mid-Atlantic | Florida, Georgia, NC & SC | FL: $0.70/$100 Deed ($0.60 Miami) + 0.55% Loan | GA: 0.10% Deed + 0.30% Intangible Mortgage Tax | Fla. Stat. § 201.02 & O.C.G.A. § 48-6-61 | NC excise tax is 0.20%; SC recording fee is $3.70/$1,000 | ■ DUAL INSTITUTIONAL VERIFICATION · QUANTITATIVE MODELING & LEGAL COMPLIANCE**East Corp Capital Editorial & Statutory Review Board** [Meet the Full Editorial & Legal Team →](https://eastcorpcapital.com/author/) Lead Author & Quantitative Architecture ### [Pablo Cirre Gómez](https://eastcorpcapital.com/author/pablo-cirre-gomez/) Co-Founder, Publisher & Head of Quantitative Modeling · 2011 National Young Innovative Enterprise Award Corporate database analyst, financial publisher, and digital economist with 20+ years of experience building quantitative business intelligence, fiscal simulation engines, and corporate registries (Co-Founder of **East Corp Capital** and **Legia.es**). Accredited in Business & Marketing Systems (COM708_3, IFC297_2), lecturer at the International Graduate School (EIP) and Cámara de Comercio, and lead architect of our 24 interactive IRS, NYS DTF, NJ Treasury, and Federal Reserve calculators. [Editorial Dossier & Credentials →](https://eastcorpcapital.com/author/pablo-cirre-gomez/)[LinkedIn ↗](https://www.linkedin.com/in/pablocirre/)[Official Site ↗](https://pablocirre.es/) Statutory, Tax & Regulatory Review · ICAM Bar No. 68.400 ### [Enrique Zarza (José Enrique Rodríguez Zarza), Esq.](https://eastcorpcapital.com/author/enrique-zarza/) Co-Founder & Senior Legal, Corporate & Statutory Compliance Editor · Practicing Attorney (ICAM No. 68.400) Practicing litigation, banking, real estate, and corporate compliance attorney admitted to the **Illustrious Bar Association of Madrid (ICAM No. 68.400)** with over 25 years of professional practice. Law Degree & Master in Legal Practice (*Universidad de Granada*), Executive Management (*San Telmo Business School*), pioneer in digital banking contracting (*CaixaBank / CTI Soluciones*), Founder of *ICIRED*, former Managing Director of the *Judicial Default Registry (RIJ)* partnered with the General Council of Spanish Lawyers (*Abogacía Española*), and Co-Founder of **Legia.es** and **East Corp Capital**. [Legal Profile & Bar Credentials →](https://eastcorpcapital.com/author/enrique-zarza/)[General Council of Lawyers ↗](https://www.abogacia.es/conocenos/consejo-general/eventos/ponencias-vii-jornadas-de-juntas-de-gobierno/enrique-rodriguez-zarza/)[Official Site ↗](https://enriquezarza.com/sobre-mi/) [Editorial & Legal Review Board Charter →](https://eastcorpcapital.com/author/)[Editorial Policy & Ethics Charter](https://eastcorpcapital.com/editorial-policy/)[Calculator Methodology & Primary Sources](https://eastcorpcapital.com/methodology-and-sources/)[Corrections & Statutory Audit Policy](https://eastcorpcapital.com/corrections-policy/)