New York charges sales and use tax of 4% at the state level, and local jurisdictions add their own, which brings a typical vehicle to about 8%. A trade-in does reduce the taxable price, which is real money on the deal.
Type your own numbers and see the same car priced as cash and as a loan, with the taxes and state fees for New York. Nothing you type leaves this page.
To see a lease, pick a vehicle. A lease is priced on one car: what it is expected to be worth at the end (its residual) and the leasing company's money factor change by model and by month.
An estimate on the numbers you type, not an offer of credit or a quote from any dealership. Starting loan rates are Rateous's rates for each credit range and term; they are not an offer from any lender. The documentary fee starts at an example figure, the state's legal cap where it has one or $599 where it does not, not any dealership's fee; each dealership sets its own. Taxes and state fees are estimates for New York; the dealership's paperwork and your motor vehicle agency have the final numbers. Nothing you type is sent, saved, or used to check your credit.
Local rate is the combined rate of the jurisdiction where the buyer resides (or where the vehicle is principally garaged), not the dealer's location. Per Publication 718 (2/25): most upstate counties 4.0% local (8% combined); NYC 4.875% (8.875%); Erie, Oneida, Suffolk 4.75%; Nassau 4.625%; Ontario 3.5%; Saratoga, Warren, Washington 3.0%.
Manufacturer rebates reimbursed to the dealer are taxable; only unreimbursed dealer rebates reduce the receipt (Publication 838 example).
Long-term leases (one year or more): tax on the total of all payments is due at inception at the lessee's home rate.
On a $35,000 new car with a $37,000 sticker, registered in New York, no trade-in: the same figures the calculator above uses. The dealership's documentary fee is its own and is not included.
| Fee | Amount |
|---|---|
| Title fee | $50.00 |
| Registration (est., weight based) | $59.00 |
| License plate fee | $25.00 |
| MCTD supplemental registration fee (2-year fee for residents of the 12 MCTD counties) | $50.00 |
| County vehicle use tax (2-year, 3,500 lbs or less in participating counties ($20 over 3,500 lbs; $30 in NYC/Nassau/Suffolk/Westchester)) | $10.00 |
| In all | $194.00 |
New York taxes a lease up front: the tax on the total of all your lease payments is due in full at signing, not spread across the payments.
Leasing across state lines. New York collects the tax on a lease up front, in one payment at registration. It credits tax paid to another state only when that tax was paid as one total payment and New York has an agreement with that state (form DTF-804). If another state taxed the lease monthly, New York gives no credit and collects its full tax on the remaining payments (form DTF-802).
Pick your city for the exact combined rate where you register, plus what title and registration run there.
New York charges 4% at the state level and local jurisdictions add more, so a typical combined rate on a vehicle is about 8% and can reach 8.875% at the high end. The rate is set by where you live, so pick your city above for the exact figure.
Trade-in allowance for a motor vehicle taken in trade by the dealer is deducted from the taxable receipt (Publication 838).
On a $35,000 new car with a $37,000 sticker, registered in New York: Title fee $50.00, Registration (est., weight based) $59.00, License plate fee $25.00, MCTD supplemental registration fee (2-year fee for residents of the 12 MCTD counties) $50.00, County vehicle use tax (2-year, 3,500 lbs or less in participating counties ($20 over 3,500 lbs; $30 in NYC/Nassau/Suffolk/Westchester)) $10.00, about $194.00 in all. Two-year passenger registration fee by weight (MV-202): 3,451-3,550 lbs $56.50; 3,551-3,650 lbs $59; 3,951-4,050 lbs $69; 6,951+ lbs $140. Add the $25 plate fee, a $10-$60 vehicle use tax in many counties, and the $50 (2-year) MCTD supplemental fee downstate.
Yes, at $175. N.Y. Vehicle and Traffic Law 415(6-a): documentary fee capped at $175 (raised from $75 in 2019).
New York taxes a lease up front: the tax on the total of all your lease payments is due in full at signing, not spread across the payments. New York collects the tax on a lease up front, in one payment at registration. It credits tax paid to another state only when that tax was paid as one total payment and New York has an agreement with that state (form DTF-804). If another state taxed the lease monthly, New York gives no credit and collects its full tax on the remaining payments (form DTF-802).