The calculator below is pre-filled with Kings County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just New York's statewide figures.
County data last updated 2026-08-28. FIPS 36047. Full source list on /methodology.
All-in cost first, always — pre-filled with Kings County tax and insurance figures. Estimate only, not a loan quote or pre-approval.
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Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for New York.
How much house can I afford in New York? →New York taxes the sale and the loan separately. At the $480,000 statewide median, that's $1,920 in transfer tax plus $1,920 more in mortgage recording tax.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.
State of New York Mortgage Agency's primary below-market-rate 30-year fixed first mortgage for 1-4 family homes, condos, co-ops, and manufactured homes, generally available to first-time homebuyers statewide (first-time requirement waived in SONYMA-designated target areas); subject to income and purchase-price limits that vary by county/region.
0%-interest second loan for down payment, closing costs, and/or mortgage insurance, up to 3% of the purchase price (min $1,000, generally up to $15,000), forgiven over 10 years of occupancy; must be paired with a SONYMA first mortgage and raises the first mortgage's interest rate by 0.40%.