THE CONDO BOOK PROJECT

StreetEasy gives you the listing. We give you the disclosures.

What's marketed is only part of the picture. We dig into condo filings to uncover the details that don't make it into the listing, so you can ask the right questions before you buy.

Full buyer's guides

110 buildings

  1. Tower Units At One Manhattan SquareLower East Side, Manhattan · 815 homes815 tower homes, Miele kitchens, Waterworks baths, a cellar bowling alley and three pools, a 421-a abatement and 205 affordable rentals, per the offering plan.
  2. 11 HoytDowntown Brooklyn, Brooklyn · 481 homes481 homes, Bosch kitchens, Watermark baths, a third-floor pool and squash court, valet parking and a non-union staff, per the offering plan.
  3. Towers Of 301 Park AvenueMidtown Center, Manhattan · 352 homes375 condos above a Waldorf Astoria hotel, Gaggenau kitchens, a Floor 25 pool, hotel services and a landmark building, per the offering plan.
  4. Front And York CondominiumDumbo, Brooklyn · 408 homes408 condos in two towers, Gaggenau kitchens, a roof pool, a non-union staff and a brownfield cleanup, per the offering plan.
  5. 15 Hudson YardsChelsea, Manhattan · 285 homesMiele kitchens, a 75-foot pool, 106 affordable rentals, The Shed in the building, a 421-a abatement and a loan payment in common charges, per the offering plan.
  6. Skyline TowerLong Island City, Queens · 802 homesBosch kitchens, a 75-foot pool, a non-union staff of 22, a subway entrance to maintain and a resale fee, per the offering plan.
  7. 130 WilliamFinancial District, Manhattan · 244 homesGaggenau kitchens, spa pools, a private IMAX theater, rooftop cabanas, a non-union staff and a public plaza, per the offering plan.
  8. 550 Vanderbilt CondominiumProspect Heights, Brooklyn · 278 homesMiele kitchens, Carrara marble baths, a 421-a tax break, a $175,000 park line and an 8th-floor roof deck, per the offering plan.
  9. 220 Central Park South CondominiumLincoln Square, Manhattan · 87 homesA 79-story Tower and a Villa, Miele and Sub-Zero kitchens, a resident dining room and $750,000 parking licenses, per the offering plan.
  10. Grand Three At Sky View ParcFlushing, Queens · 280 homes280 condos above a Flushing mall, Bosch kitchens, a shared HOA pool and Grand Club, a flip fee and no 421-a, per the offering plan.
  11. 111 Murray Street CondominiumTriBeCa, Manhattan · 157 homesSub-Zero and Wolf kitchens, a 75-foot lap pool, a hammam, white oak floors and a resident manager's unit owners must finance, per the offering plan.
  12. Oosten CondominiumWilliamsburg, Brooklyn · 216 homesMiele and Bosch kitchens, a 55-foot pool, 15 triplex townhouses with hot tubs, a non-union staff and 421-a taxes, per the offering plan.
  13. 53 West 53rd Street CondominiumMidtown Center, Manhattan · 169 homesMoMA galleries in the building, Miele and Sub-Zero kitchens, a 65-foot pool, private dining, lot line windows and no reserve fund, per the offering plan.
  14. Tangram House South CondominiumFlushing, Queens · 192 homes192 homes, all-Miele kitchens and laundry, a 421-a tax break, a planned HOA with a hotel pool and long sponsor control, per the offering plan.
  15. Two Waterline Square CondominiumUpper West Side, Manhattan · 160 homesGaggenau kitchens, Dornbracht baths, a 90,000 sq ft shared club, a 421-a tax break and a rental-controlled board, per the offering plan.
  16. The Brooklyn GroveDowntown Brooklyn, Brooklyn · 184 homesBosch kitchens, Waterworks baths, in-unit laundry, a cellar lap pool and a $1.69 million budget, per the offering plan.
  17. 100 BarclayFinancial District, Manhattan · 161 homes161 condos above a working Verizon central office, Wolf and Sub-Zero kitchens, a pool, wine lockers and a portable flood barrier, per the offering plan.
  18. GalerieLong Island City, Queens · 182 homes182 condos, Bosch kitchens, Daikin VRV heating and cooling, an indoor pool, an attended parking garage and a permanent art gallery, per the offering plan.
  19. 565 Broome SohoHudson Square, Manhattan · 115 homesMiele kitchens, a salt-water lap pool, six private terrace pools, an automated garage and a unit owned by The Door, per the offering plan.
  20. 98 FrontDumbo, Brooklyn · 165 homesBosch kitchens, an indoor salt-water pool, attended stacker parking, a non-union staff and no backup generator, per the offering plan.
  21. 108 Leonard CondominiumCivic Center, Manhattan · 152 homesA landmarked 1890s building turned into 152 condos, with Miele kitchens, a 75-foot pool, valet parking licenses and a clock tower lawsuit, per the offering plan.
  22. Star Tower CondominiumLong Island City, Queens · 182 homes182 one- and two-bedrooms, LG and Fisher & Paykel kitchens, robotic parking and a 421-a tax break, per the offering plan.
  23. 77 GreenwichFinancial District, Manhattan · 90 homesMiele and Sub-Zero kitchens, Poliform cabinets, a public school on floors 2 to 8, a non-union staff and a 12-month resale ban, per the offering plan.
  24. One Clinton CondominiumBrooklyn Heights, Brooklyn · 133 homesA new Brooklyn Public Library branch below 134 condos, Bertazzoni and Liebherr kitchens, Rohl baths, a self-park garage and a 1% flip tax, per the offering plan.
  25. 25 Park Row CondominiumFinancial District, Manhattan · 110 homesMiele kitchens, Kallista baths, a 65-foot pool, a golf simulator, robotic parking and no reserve fund, per the offering plan.
  26. HeroLong Island City, Queens · 109 homes109 condos, Liebherr and Blomberg kitchens, a 421-a abatement, contracted staff and a rooftop lounge, per the offering plan.
  27. One West End Avenue CondominiumUpper West Side, Manhattan · 246 homes246 condos over 116 affordable rentals, Sub-Zero and Miele kitchens, a 6th-floor pool, a 32BJ staff and sponsor control, per the offering plan.
  28. One Boerum, 7 Boerum Place138 condos, Miele kitchens, a cellar lap pool, a 47-car automated garage and a projected tax jump, per the offering plan.
  29. West CondominiumHell's Kitchen, Manhattan · 222 homesMiele kitchens, a rooftop pool with cabanas, two guest suites, a non-union staff and a car dealership unit, per the offering plan.
  30. Pierhouse CondominiumDowntown Brooklyn, Brooklyn · 122 homesGaggenau kitchens, Waterworks baths, duplex homes, a 97-year ground lease, PILOT instead of taxes and a hotel next door, per the offering plan.
  31. One United Nations ParkMurray Hill, Manhattan · 148 homesGaggenau kitchens, Dornbracht baths, a 70-foot lap pool shared with 408 rentals, and a board the rental owner controls, per the offering plan.
  32. Nova CondominiumLong Island City, Queens · 86 homesBertazzoni gas ranges, Waterworks baths, Daikin VRF, a non-union staff of four and a subway tunnel below, per the offering plan.
  33. The BrewsterUpper West Side, Manhattan · 107 homesA 1927 rental conversion with 30 rent-stabilized tenants, Viking and Liebherr kitchens and a sponsor-funded reserve, per the offering plan.
  34. Quay Tower CondominiumBrooklyn Heights, Brooklyn · 126 homesA 126-unit leasehold condo in Brooklyn Bridge Park with Gaggenau kitchens, PILOT, ground rent and a 2109 lease end, per the offering plan.
  35. Kent CondominiumUpper East Side, Manhattan · 104 homesMiele kitchens, a subcellar pool, 21 affordable 421-a units, storage bins and a union staff, per the offering plan.
  36. PrinceFlushing, Queens · 120 homesBosch kitchens, Mitsubishi heat pumps, a 208-room hotel below, an attended garage and no gym, per the offering plan.
  37. 35 Hudson Yards CondominiumChelsea, Manhattan · 136 homesGaggenau kitchens, a hotel and Equinox below, a 2-year Equinox membership, a $2.9 million affordable-housing loan line and no reserve fund, per the offering plan.
  38. HuronGreenpoint, Brooklyn · 171 homes171 homes in two towers, Miele kitchens, an indoor pool, $100,000 parking licenses and a funded reserve, per the offering plan.
  39. 200 East 83rd Street CondominiumUpper East Side, Manhattan · 86 homesMiele kitchens, a 70-foot pool, a 30-car robotic garage, Samsung VRF heat pumps and a $32 million penthouse, per the offering plan.
  40. East River CondominiumLong Island City, Queens · 214 homesA non-eviction rental conversion with 421-a until 2027, Bosch laundry, roof terraces and a non-union staff, per the offering plan.
  41. Central Park Tower CondominiumLincoln Square, Manhattan · 179 homes179 condos over a Nordstrom-owned retail unit, a 100th-floor club, union staff and the budget.
  42. 50 West 66th Street CondominiumUpper West Side, Manhattan · 127 homesMiele kitchens, two pools, a bowling alley, a union staff, a synagogue in the building and a white-box penthouse, per the offering plan.
  43. One Wall Street CondominiumFinancial District, Manhattan · 566 homesA 566-unit office-to-condo conversion with a 38th-floor pool, a mandatory health club membership and 24/7 staff.
  44. Sutton TowerSutton Place, Manhattan · 121 homesWolf and Sub-Zero kitchens, a third-floor pool with lifeguards, non-union staff and the budget.
  45. The Park LoggiaUpper West Side, Manhattan · 172 homesMiele kitchens, Kallista baths, four amenity floors, a 24/7 lobby attendant and the budget.
  46. 95 Madison ResidencesMidtown South Central, Manhattan · 65 homesGaggenau kitchens, a cellar golf simulator and saunas, and the budget.
  47. The Village WestGreenwich Village, Manhattan · 68 homesGaggenau kitchens, a golf simulator, contracted staff and the budget.
  48. VitaHudson Yards, Manhattan · 122 homesGaggenau kitchens with quartzite counters, a 24/7 concierge, two roof terraces and the budget.
  49. Rose Hill CondominiumMidtown South Central, Manhattan · 123 homesMiele kitchens, aged brass baths, a cellar pool with a lifeguard, squash, a guest suite and 13 staff.
  50. The Greenwich By Rafael ViñOlyFinancial District, Manhattan · 275 homesMiele and Dornbracht finishes, a 5th-floor pool, 24/7 lobby staff and the budget.
  51. Moon 27 Lic CondominiumLong Island City, Queens · 57 homes56 small homes over six retail units, low common charges, no reserve fund, a sponsor-run board and pet rules the plan contradicts, from its offering plan.
  52. Icon CondominiumLong Island City, Queens · 39 homes39 one- and two-bedroom condos, Bosch kitchens, a virtual doorman, ICAP taxes and fine print, from its offering plan.
  53. BergenBoerum Hill, Brooklyn · 105 homes105 condos, Thermador kitchens, a big cellar wellness floor, 57 parking spaces and fine print, from its offering plan.
  54. RadiantLong Island City, Queens · 117 homes117 LIC condos, GE kitchens, a basketball court and sauna, non-union staff and sponsor rental rights, from its offering plan.
  55. ParagonLong Island City, Queens · 186 homes186 all-electric condos on Anable Basin, Gaggenau kitchens, prices, common charges and fine print, from its offering plan.
  56. CresynLong Island City, Queens · 39 homes39 all-electric condos, prices from about $595,000, a roof lounge and gym, and the fine print from its offering plan.
  57. 64 University Place CondominiumGreenwich Village, Manhattan · 28 homesMiele kitchens, Dornbracht baths, a rooftop and garden, 24-hour lobby, costs and fine print, from its offering plan.
  58. Le ParcFlatbush, Brooklyn · 132 homes132 condos, prices, common charges, puzzle parking, amenities and fine print, from its offering plan.
  59. 430 West 37th Street CondominiumHudson Yards, Manhattan · 128 homes128 one- to three-bedroom homes, Gaggenau kitchens, a courtyard pool, a sponsor-affiliated manager and fine print, from its offering plan.
  60. Skyline 8 CondominiumLong Island City, Queens · 113 homes113 all-electric condos, Miele kitchens, a cellar amenity floor, low common charges and the fine print, from its offering plan.
  61. The WindsorWindsor Terrace, Brooklyn · 99 homes98 condos from about $490,000, rooftop terraces, parking licenses, an affordable-housing unit and fine print, from its offering plan.
  62. 842 Sixth Avenue CondominiumMidtown South Central, Manhattan · 94 homes94 homes, Miele kitchens, a spa and gym, a sponsor-owned super's unit and fine print, from its offering plan.
  63. Skyhill Tower CondominiumElmhurst, Queens · 93 homes93 condos, low common charges, no in-unit laundry, deeded parking and fine print, from its offering plan.
  64. Rowan Ii CondominiumLong Island City, Queens · 90 homes90 new condos with Miele kitchens, a small pool, a virtual doorman, a shared lobby with Rowan I and fine print, from its offering plan.
  65. Lighthouse Beach 67th CondominiumArverne, Queens · 82 homes82 all-electric condos, a 20-year primary residence rule, a UDAAP tax break and a seasonal pool, from its offering plan.
  66. 175 East 82nd Street CondominiumUpper East Side, Manhattan · 73 homesMiele kitchens, a pool on the 24th floor, robotic parking, prices and common charges, from its offering plan.
  67. 600 & 610 Dekalb Avenue CondominiumBedford-Stuyvesant, Brooklyn · 70 homes70 three- and four-bedroom condos, balconies, no pets, low common charges and high taxes, from its offering plan.
  68. Loft 21 CondominiumLong Island City, Queens · 67 homes67 condos from about $1 million, Bosch kitchens, deeded parking, a virtual doorman and the fine print, from its offering plan.
  69. The FlorianGramercy Park, Manhattan · 54 homesSub-Zero and Wolf kitchens, a contracted 24/7 front desk, parking, a reserve fund and fine print, from its offering plan.
  70. Calvert HouseEast Flatbush, Brooklyn · 49 homes49 all-electric condos, prices, common charges, amenities and fine print, from its offering plan.
  71. Parc Beaufort CondominiumMidtown Center, Manhattan · 47 homesA landmark office conversion with double-height homes, a roof terrace and 24-hour concierge, from its offering plan.
  72. Portland CondominiumFort Greene, Brooklyn · 45 homesA 1907 walk-up converting rentals to 44 condos. Prices, budget and fine print from the plan.
  73. Eastone Plaza CondominiumFlushing, Queens · 175 homes175 condos from about $475,000, a lean budget with one super, parking at $75,000, and the fine print.
  74. One Domino SquareWilliamsburg, Brooklyn · 160 homesGaggenau kitchens, a licensed amenity club, sponsor control, rising taxes and fine print, from its offering plan.
  75. 45 West 81st Street CondominiumUpper West Side, Manhattan · 143 homesA 1923 Upper West Side hotel converted to 145 condos, with rent-stabilized tenants, a sponsor-run board and fine print, from its offering plan.
  76. CentricWoodside, Queens · 131 homes131 condos from about $620,000, a stacked parking garage, a contract super, and fine print from its offering plan.
  77. Northern Center CondominiumFlushing, Queens · 127 homes127 condos over medical offices and retail, Bosch kitchens, a part-time doorman, sponsor control and fine print.
  78. Nusun VernonLong Island City, Queens · 122 homesBosch kitchens, a virtual doorman, a 15% reserve, no tax abatement and flood-zone fine print, from its offering plan.
  79. Vesta CondominiumLong Island City, Queens · 115 homesBosch and Bertazzoni kitchens, a church in the building, parking, sponsor control and fine print.
  80. 520 Fifth Avenue CondominiumMidtown Center, Manhattan · 100 homes100 homes atop a Midtown tower, Miele and Ilve kitchens, a private club the board must join, and the fine print, from its offering plan.
  81. Austin CondominiumForest Hills, Queens · 98 homes98 condos, a rooftop pool, $50,000 parking, a school next door and a board-owned super's unit, from its offering plan.
  82. Kensington Manor CondominiumKensington & Parkville, Brooklyn · 76 homes76 condos, deeded parking, gas in common charges, a super instead of a doorman, and fine print, from its offering plan.
  83. Urban21Long Island City, Queens · 71 homesBosch kitchens, $80,000 parking, non-union staff, a site cleanup and fine print from its offering plan.
  84. NolenKips Bay, Manhattan · 65 homes65 studios to penthouses, Miele kitchens, a half basketball court, a subway easement and the fine print.
  85. 517 West 29thChelsea, Manhattan · 60 homesA 2021-era rental becoming 60 condos, sold as is, with a contracted 24/7 doorman, nine parking licenses and sponsor control.
  86. 352 Wallabout Street CondominiumWilliamsburg, Brooklyn · 58 homes58 three- and four-bedroom condos, low common charges, an environmental cleanup site and sponsor control, from the plan.
  87. Oasis Astoria CondominiumLong Island City, Queens · 52 homes52 one- and two-bedroom condos, low common charges, EV parking, a part-time super and fine print, from its offering plan.
  88. Flatiron BuildingFlatiron District, Manhattan · 38 homesGaggenau kitchens, a 60-foot pool, union staff, landmark rules and fine print, from its offering plan.
  89. 1122 Madison Avenue CondominiumUpper East Side, Manhattan · 22 homesWolf and Sub-Zero kitchens, a squash court and spa, 24/7 concierge and the first-year budget.
  90. The HenryUpper West Side, Manhattan · 45 homesWaterworks baths, a bowling alley and sports court, 24/7 concierge, automated parking and the budget, from the offering plan.
  91. 255 East 77Upper East Side, Manhattan · 62 homesMiele kitchens, a 75-foot lap pool, a 24/7 doorman, robotic parking and the first-year budget.
  92. Malabar ResidencesMidtown Center, Manhattan · 145 homesJennAir and Brizo finishes, a lifeguarded pool, non-union 24/7 staff and the budget, from the offering plan.
  93. Morgan CondominiumMidtown South Central, Manhattan · 137 homesMiele kitchens, Dornbracht baths, Con Ed steam heat, a non-union staff and licensed parking, from the offering plan.
  94. Maison171 By Elie SaabUpper East Side, Manhattan · 24 homesGaggenau kitchens, a subcellar golf simulator, a 24/7 non-union doorman and the budget.
  95. One Park RowFinancial District, Manhattan · 64 homesGaggenau gas kitchens, Waterworks baths, a 24/7 doorman, three amenity floors and the fine print in its offering plan.
  96. Williamsburg Wharf CondominiumWilliamsburg, Brooklyn · 92 homesMiele kitchens, shared pool deal, 24/7 concierge, budget and waterfront fine print, from the offering plan.
  97. 720 West End Avenue CondominiumUpper West Side, Manhattan · 132 homesA 1927 building plus a new annex, Wolf and Sub-Zero kitchens, a sport court, non-union 24/7 staff and the budget, from the offering plan.
  98. One Highline Condominium (F/K/A 76 Eleventh Avenue Condominium)Chelsea, Manhattan · 302 homesGaggenau kitchens, a 75-foot pool, a hotel in the building, non-union staff and High Line plaza costs, per the offering plan.
  99. Lantern HouseChelsea, Manhattan · 181 homesGaggenau kitchens, a three-pool natatorium, union staff, common charges and High Line fine print, from the offering plan.
  100. The Brooklyn TowerDowntown Brooklyn, Brooklyn · 149 homesCondos on floors 53-92, a shared amenity unit with rentals, Miele kitchens, union staff and off-site parking, per the plan.
  101. Aman New York ResidencesMidtown Center, Manhattan · 26 homesHotel spa access in the common charges, an Aman brand fee, Miele kitchens and shared hotel staff, per the plan.
  102. The CortlandChelsea, Manhattan · 144 homesGaggenau kitchens, Fantini baths, two pools, 32BJ staff, $400K parking licenses and a public community space, per the plan.
  103. 200 Amsterdam Avenue CondominiumUpper West Side, Manhattan · 112 homesWolf and Sub-Zero kitchens, Fantini baths, a 75-foot pool, a non-union staff and an annual Lincoln Towers payment, from the offering plan.
  104. Olympia Dumbo CondominiumDowntown Brooklyn, Brooklyn · 76 homesGaggenau kitchens, CEA Design baths, a two-level amenity package, 24/7 lobby and deeded parking, from the offering plan.
  105. 80 ClarksonGreenwich Village, Manhattan · 113 homesGaggenau kitchens, a private club with pool and squash, staffing, parking licenses and fees.
  106. Claremont HallMorningside Heights, Manhattan · 193 homesFinishes, amenities, staffing, common charges and the Union Theological Seminary fine print, from the offering plan.
  107. 14 White Street CondominiumTriBeCa, Manhattan · 7 homesGaggenau kitchens, Toto baths, a contracted concierge, common charges and the fine print, straight from its offering plan.
  108. 43 Bleecker Street CondominiumEast Village, Manhattan · 11 homesGaggenau kitchens, a cellar gym and spa, a 24/7 doorman for 11 homes, and the fine print in the offering plan.
  109. 44 West 8th Street CondominiumGreenwich Village, Manhattan · 5 homesWolf, Sub-Zero, Vola and more.
  110. 10 West 17th Street CondominiumFlatiron District, Manhattan · 34 homesMiele and Waterworks finishes, a cellar spa, a 24/7 non-union lobby attendant and the budget.

Need to filter all 6,939 buildings by fields StreetEasy doesn't have? Search inside the books →

Buying a condo in NYC: StreetEasy vs. offering plans, the 6 steps, closing costs and FAQ

How is this different from StreetEasy or Zillow?

StreetEasy and Zillow are listing sites: they show what's for sale today and what sold before. The Condo Book shows what the building's sponsor had to disclose under New York law. Find the listing there. Check the building here before you sign.

StreetEasy & ZillowThe Condo Book
SourceListings posted by agents and sellersOffering plans filed with the NY Attorney General
PricesToday's asking price and past sales for a listed homeThe sponsor's offering price for every unit in the plan (Schedule A)
Monthly costsThe figures in the listingProjected common charges and taxes per unit, plus the building's first-year budget (Schedule B)
Fine printThe listing descriptionSpecial risks, tax abatements, amendments and the full plan text, searchable
EstimatesZillow publishes Zestimates, a modeled home valueNone: every figure is as filed
Best forFinding homes on the market and booking toursVetting a condo building before you make an offer

How to buy a condo in NYC, in 6 steps

  1. Shortlist buildings. Search the plans, then open each building's page for its plan, unit prices and amendments.
  2. Get the offering plan. Ask the sales office for the current plan and every amendment.
  3. Hire a buyer's attorney. They review the plan, the purchase agreement and the building's finances before you sign.
  4. Sign and put down a deposit. In a new building, 10% at signing is customary. It sits in escrow and stays yours until closing.
  5. Line up a mortgage. Lenders review the building as well as you (see financing).
  6. Close. Budget roughly 4–6% of the price for closing costs in a new building with a mortgage.

NYC condo closing cost calculator

The biggest closing costs in NYC are taxes with fixed rates. Enter a price to see them.

Taxes at closing

Not included: title insurance (often around 0.4–0.5% of the price), your attorney, lender fees, the sponsor's attorney fee and the working capital contribution in a new building.

NYC condo buying FAQ

What is a condo offering plan?

Every NYC condo sponsor files an offering plan (the "condo book") with the New York Attorney General's Real Estate Finance Bureau. A sponsor can't take deposits or sign contracts until the plan is accepted for filing. "Accepted for filing" means the disclosure is complete. It is not the state's approval of the building, the price or the deal. More on offering plans.

What are Schedule A and Schedule B?

Schedule A lists every unit with its bedrooms, approximate size, offering price, share of the common interest, projected monthly common charges and real estate taxes. Schedule B is the first-year operating budget: staff, insurance, utilities, repairs and reserves. A thin budget means common charges rise later. How to read both.

What else in the plan should I read?

Special risks, near the front, disclose what could cost you money: tax abatements that phase out, a sponsor that keeps unsold units, nearby construction, litigation. Amendments carry price changes, budget updates, closing dates and the declaration that the plan is effective; the newest one is the current deal. Finding amendments. You can search inside any plan from the home page.

What rights do NYC condo buyers have?
  • Time to review: at least 3 business days with the plan before you sign, or at least 7 days to cancel after you sign.
  • Escrow: your deposit goes into a New York bank escrow account within 5 business days. If you aren't told where within 15 business days, you may cancel within 90 days.
  • Adverse changes: if an amendment makes a material change that hurts buyers, or the projected first-year budget rises 25% or more, you must be offered the chance to cancel, with at least 15 days to decide.
  • Effectiveness: a plan can't be declared effective until contracts are signed for at least 15% of the units offered. If it never becomes effective, deposits are returned.
  • Delays: if the first closing slips 12 months or more past the date in the plan, buyers must be offered the right to cancel.
How much are closing costs on a NYC condo?

Roughly 4–6% of the price in a new building with a mortgage. The big items are taxes: the mansion tax, the mortgage recording tax and, in a new building, the city and state transfer taxes, which the purchase agreement usually shifts from the sponsor to you. In a resale the seller customarily pays transfer taxes. Use the calculator above.

What are the NYC mansion tax and transfer tax rates?
  • Mansion tax (paid by the buyer, on the whole price, from $1 million): 1% under $2M; 1.25% $2M–3M; 1.5% $3M–5M; 2.25% $5M–10M; 3.25% $10M–15M; 3.5% $15M–20M; 3.75% $20M–25M; 3.9% from $25M.
  • Mortgage recording tax on the loan: 1.8% under $500,000 and 1.925% from $500,000 (the buyer's share). Co-op loans don't pay it.
  • NYC transfer tax: 1% at $500,000 or less, 1.425% above. NYS transfer tax: 0.4%, or 0.65% for NYC homes of $3 million or more.
What will I pay each month?

Your mortgage, plus common charges (your share of running the building), plus real estate taxes billed to you directly. Three things change them later:

  • Tax abatements ending. Many new buildings carry a 421-a exemption that steps down over time. Ask what the tax will be without it. 421-a closed to new projects in 2022; its successor, 485-x, includes a homeownership option outside Manhattan.
  • The co-op/condo abatement. A primary residence can get a city tax abatement of 17.5% to 28.1%, but not while the building has 421-a or J-51 benefits, and LLC owners don't qualify.
  • A low first-year budget. Compare with the common charge benchmarks and read how much common charges should be.
Should I buy a condo or a co-op?
  • What you own: a condo is the apartment itself, by deed; a co-op is shares in a corporation plus a lease.
  • Board approval: condos usually have a right of first refusal, rarely used; co-op boards require a full application and can say no.
  • Down payment: often 10–20% for a condo; often 20–25% or more for a co-op, set by the board.
  • Renting it out: usually allowed in a condo; often limited in a co-op.
  • Closing costs: higher for a condo (title insurance and mortgage recording tax); lower for a co-op.
  • Monthly cost: condo common charges plus your own tax bill; one co-op maintenance payment that includes taxes and the building's mortgage.
Can I get a mortgage on a new condo?

Lenders review the building as well as you. For a conventional loan sold to Fannie Mae, at least half the units in a new project (or its phase) must be sold or under contract to people living there or using it as a second home. Conventional lenders also won't lend when, for example, one owner holds more than 20% of the units (in buildings of 21 or more), more than 35% of the space is commercial, or there's major litigation over the building's safety. Ask the sales office which lenders have already approved the building.

Is this a StreetEasy or Zillow alternative?

It's a companion. StreetEasy and Zillow show listings: what's for sale now, asking prices and past sales. The Condo Book Project shows each condo's offering plan: the sponsor's price for every unit, projected common charges and taxes, the first-year budget, special risks and amendments. Use a listing site to find a home; use this guide to check the building.

Are these sale prices?

No. They're the sponsor's offering prices from Schedule A of each plan as filed, and later amendments can change them. Some plans include income-restricted affordable homes, priced far below the rest. Nothing here is estimated.

Is anything changing for second homes?

From 2027, an annual surcharge applies to some NYC homes worth $1 million or more that aren't the owner's primary residence. Ask your attorney if you're buying a second home or an investment.

Sources

General information, not legal, tax or financial advice; confirm with your attorney and lender. Rates current as of October 2026. StreetEasy and Zillow are trademarks of their owners; The Condo Book Project isn't affiliated with either.