Seller Guide
Seller Closing Costs in Erie & Niagara County
Selling costs in Western New York depend on your county, your age and your mortgage payoff. Use the table and the net sheet below to estimate what you walk away with.
| Cost | Erie County | Niagara County |
|---|---|---|
| Transfer tax | $4.50 per $500 = 0.9% (NYS 0.4% + Erie 0.5%) | 0.4% (NYS only) |
| Transfer tax, owner 62+ (1–2 family, owned and occupied 1+ yr) | Reduced to 0.4% with affidavit | 0.4% |
| Abstract update | ~$300–$500 | ~$300–$500 |
| Survey | ~$400–$600 (standard lot) | ~$400–$600 |
| Seller’s attorney | Flat fee, get a quote | Flat fee, get a quote |
| Brokerage compensation | Per listing agreement (negotiable) | Per listing agreement |
| Mortgage payoff, tax and water adjustments | Varies | Varies |
Sources: Erie Clerk · Niagara Clerk · UB Law CLE
Example: selling a $250,000 home means transfer tax of $2,250 in Erie County and $1,000 in Niagara County.
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