New York property taxes vary enormously — lower in New York City (around 0.9%) and much higher in many suburban counties (2%+). This calculator uses a representative statewide rate; replace it with your county's actual figure for an accurate payment.
How this calculator works
Enter your numbers and the monthly payment recalculates instantly — no submit button, no page reload. The payment breakdown separates principal, interest, taxes, insurance, PMI and HOA. Use the tabs to view a full amortization schedule, compare scenarios side by side, or work backward from a monthly budget. Your inputs are encoded in the page link so you can bookmark or share a scenario without any account.