New York car sales tax calculator
The sales and use tax in New York is the state’s 4.00% plus a local rate that depends on the place, of the taxable amount.
tax.ny.gov · checked Oct 3, 2026
By Mr. Voltage · Data checked Oct 11, 2026 · Page changed Oct 12, 2026
Where will you register the car?
Kings County, New York
Example quotes. Pick your place and type yours. Example: three quotes on one car in Kings County, New York. Pick your own place and type your quotes.
Your deals at a glance
| Deal | Payment | All-in |
|---|---|---|
| $597.90a month | $40,873.91+$622.06 more than Deal C | |
| $539.92a month | $43,873.86+$3,622.01 more than Deal C | |
| $587.53a month | $40,251.85Lowest |
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
Your numbers stay in this browser.
$597.90 a month · 60 payments
All-in $40,873.91
$539.92 a month · 72 payments
All-in $43,873.86
$587.53 a month · 60 payments
All-in $40,251.85Lowest
Out-the-door $36,001.13
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
Out-the-door $36,757.81
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
Out-the-door $36,599.94
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
New · change
New or used
The sheet starts with a new car; each deal sets its own
Curb weight
The research’s test car, a 2026 Tucson SEL, weighs 3,494 lb; the registration fee steps every 100 lb
Tires
Four tires and a spare: the research’s test car carries a compact spare
Plate
New plates. Moving your plates from another car skips the $25 plate fee
Doc fee stated on its own line
Dealers must list the doc fee on its own line, which keeps it untaxed in New York up to $175
New · change
New or used
The sheet starts with a new car; each deal sets its own
Curb weight
The research’s test car, a 2026 Tucson SEL, weighs 3,494 lb; the registration fee steps every 100 lb
Tires
Four tires and a spare: the research’s test car carries a compact spare
Plate
New plates. Moving your plates from another car skips the $25 plate fee
Doc fee stated on its own line
Dealers must list the doc fee on its own line, which keeps it untaxed in New York up to $175
New · change
New or used
The sheet starts with a new car; each deal sets its own
Curb weight
The research’s test car, a 2026 Tucson SEL, weighs 3,494 lb; the registration fee steps every 100 lb
Tires
Four tires and a spare: the research’s test car carries a compact spare
Plate
New plates. Moving your plates from another car skips the $25 plate fee
Doc fee stated on its own line
Dealers must list the doc fee on its own line, which keeps it untaxed in New York up to $175
$175.00: the most New York law allows (“The fee charged by the dealer may not exceed $175.”).
New York calls it a dealer registration or title application processing fee.
dmv.ny.gov · checked Oct 3, 2026
The notice New York requires with this fee
THIS IS NOT A DMV FEE
$175.00: the most New York law allows (“The fee charged by the dealer may not exceed $175.”).
New York calls it a dealer registration or title application processing fee.
dmv.ny.gov · checked Oct 3, 2026
The notice New York requires with this fee
THIS IS NOT A DMV FEE
$175.00: the most New York law allows (“The fee charged by the dealer may not exceed $175.”).
New York calls it a dealer registration or title application processing fee.
dmv.ny.gov · checked Oct 3, 2026
The notice New York requires with this fee
THIS IS NOT A DMV FEE
- No lien fee for you: the $5 for noting the loan on the title is the lender’s to pay and may not be passed on.
nysenate.gov · checked Oct 3, 2026
- No minimum, maximum or cap on the amount taxed on a car.
tax.ny.gov · checked Oct 3, 2026
- No lien fee for you: the $5 for noting the loan on the title is the lender’s to pay and may not be passed on.
nysenate.gov · checked Oct 3, 2026
- No minimum, maximum or cap on the amount taxed on a car.
tax.ny.gov · checked Oct 3, 2026
- No lien fee for you: the $5 for noting the loan on the title is the lender’s to pay and may not be passed on.
nysenate.gov · checked Oct 3, 2026
- No minimum, maximum or cap on the amount taxed on a car.
tax.ny.gov · checked Oct 3, 2026
Your $5,000.00 down covers the $3,301.13 in tax, fees and the doc fee first; $1,698.87 goes toward the price.
Your $5,000.00 down covers the $3,362.81 in tax, fees and the doc fee first; $1,637.19 goes toward the price.
Your $5,000.00 down covers the $3,349.94 in tax, fees and the doc fee first; $1,650.06 goes toward the price.
Illustrative rate, not a quote. Your APR depends on your credit, the term, the vehicle and the lender.
Illustrative rate, not a quote. Your APR depends on your credit, the term, the vehicle and the lender.
Illustrative rate, not a quote. Your APR depends on your credit, the term, the vehicle and the lender.
60 payments, last $597.81
72 payments, last $539.54
60 payments, last $587.58
cash down plus every payment
+$622.06 more all-in than Deal C
cash down plus every payment
+$3,622.01 more all-in than Deal C
cash down plus every payment
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
2 charges this total leaves out
2 charges this total leaves out
2 charges this total leaves out
What’s different in New York
New York calls it the sales and use tax.
tax.ny.gov · checked Oct 3, 2026
A trade-in comes off the amount taxed at its full value, so only the difference is taxed.
tax.ny.gov · checked Oct 3, 2026
Negative equity rolled into the new loan is not taxed.
tax.ny.gov · checked Oct 3, 2026
New York’s law sets a maximum for the dealer registration or title application processing fee of $175.00 (its words: “The fee charged by the dealer may not exceed $175.”).
dmv.ny.gov · checked Oct 3, 2026
A manufacturer’s rebate does not lower the tax, whether it is assigned to the dealer or paid to you later. A rebate the dealer pays out of its own pocket is deducted.
tax.ny.gov · checked Oct 3, 2026
Worked examples
Each line below is worked by the same engine as the calculator, on the day this page was built (Nov 11, 2026).
A new car with a trade-in and negative equity
A new car at $32,700.00, with a trade-in allowed at $10,000.00 and $13,000.00 still owed, $5,000.00 down, financed at 5.90% for 60 months, bought from a dealer and registered in Kings County.
| Line | Amount |
|---|---|
| Price | $32,700.00 |
| Trade-in allowance | $10,000.00 |
| Still owed on the trade-in | $13,000.00 |
| Equity (negative if you owe more than it is worth) | −$3,000.00 |
| Taxable amount tax.ny.gov · checked Oct 3, 2026 | $22,700.00 |
| Sales and use tax tax.ny.gov · checked Oct 3, 2026 | $2,014.63 |
| Doc fee dmv.ny.gov · checked Oct 3, 2026 | $175.00 |
| Certificate of title nysenate.gov · checked Oct 3, 2026 | $50.00 |
| Registration (by weight) nysenate.gov · checked Oct 3, 2026 | $56.50 |
| Number plates nysenate.gov · checked Oct 3, 2026 | $25.00 |
| Supplemental MCTD registration fee dmv.ny.gov · checked Oct 11, 2026 | $50.00 |
| Vehicle use tax dmv.ny.gov · checked Oct 3, 2026 | $30.00 |
| Waste tire management and recycling fee nysenate.gov · checked Oct 3, 2026 | $12.50 |
| Out-the-door price | $35,113.63 |
| Cash down | $5,000.00 |
| Amount financed | $33,113.63 |
| Monthly payment | $638.64 |
| Interest over the loan | $5,204.79 |
| Total paid, interest included | $43,318.42 |
A used car from a dealer
A used car, model year 2022, at $21,500.00, $5,000.00 down, financed at 5.90% for 60 months, bought from a dealer and registered in Kings County.
| Line | Amount |
|---|---|
| Price | $21,500.00 |
| Taxable amount tax.ny.gov · checked Oct 3, 2026 | $21,500.00 |
| Sales and use tax tax.ny.gov · checked Oct 3, 2026 | $1,908.13 |
| Doc fee dmv.ny.gov · checked Oct 3, 2026 | $175.00 |
| Certificate of title nysenate.gov · checked Oct 3, 2026 | $50.00 |
| Registration (by weight) nysenate.gov · checked Oct 3, 2026 | $56.50 |
| Number plates nysenate.gov · checked Oct 3, 2026 | $25.00 |
| Supplemental MCTD registration fee dmv.ny.gov · checked Oct 11, 2026 | $50.00 |
| Vehicle use tax dmv.ny.gov · checked Oct 3, 2026 | $30.00 |
| Out-the-door price | $23,794.63 |
| Cash down | $5,000.00 |
| Amount financed | $18,794.63 |
| Monthly payment | $362.48 |
| Interest over the loan | $2,954.16 |
| Total paid, interest included | $26,748.79 |
The rules in New York
| Rule | What it says |
|---|---|
| Name of the tax | sales and use tax tax.ny.gov · checked Oct 3, 2026 |
| Sales and use tax | worked by the calculator from the rule of the taxable amount tax.ny.gov · checked Oct 3, 2026 |
| Sales and use tax on a doc fee above $175 | worked by the calculator from the rule of the amount it taxes, in some deals. A detail of that point is not confirmed. tax.ny.gov · checked Oct 3, 2026 |
| What is taxed | Taxed: the vehicle price, other dealer fees on the order, accessories fitted before delivery, protection packages, loose items sold with the car, service contracts and prepaid maintenance. Not taxed: GAP and government fees. Depends on the deal: the doc fee. tax.ny.gov · checked Oct 3, 2026 |
| Trade-in | A trade-in comes off the amount taxed at its full value, so only the difference is taxed. tax.ny.gov · checked Oct 3, 2026 |
| Maker’s rebate | A maker’s rebate does not lower the amount taxed. tax.ny.gov · checked Oct 3, 2026 |
| Dealer discount | A dealer discount lowers the amount taxed. tax.ny.gov · checked Oct 3, 2026 |
| Negative equity | Negative equity rolled into the loan is not taxed. tax.ny.gov · checked Oct 3, 2026 |
| Doc fee | The law sets a maximum for the dealer registration or title application processing fee of $175.00 (its words: “The fee charged by the dealer may not exceed $175.”). dmv.ny.gov · checked Oct 3, 2026 |
| Certificate of title | $50.00. A detail of that point is not confirmed. nysenate.gov · checked Oct 3, 2026 |
| Registration (by weight) | worked from the rule a year nysenate.gov · checked Oct 3, 2026 |
| Private-party purchase | Yes. The buyer pays sales tax at DMV at the rate of the buyer’s residence, on Form DTF-802. A purchase from a spouse, parent, child, stepparent or stepchild has no tax due. tax.ny.gov · checked Oct 3, 2026 |
| Bought out of state | Credit only where the other state gives a reciprocal credit. New Jersey, Connecticut and Pennsylvania do not allow reciprocal credit for sales tax. tax.ny.gov · checked Oct 3, 2026 |
| New resident | No New York tax on a vehicle bought while you were a nonresident. Title, registration, plate and local fees still apply. nysenate.gov · checked Oct 3, 2026 |
| Electric and hybrid fees | No annual electric or hybrid surcharge was found. That finding is not confirmed. nysenate.gov · checked Oct 3, 2026 |
| Finance rate ceiling | The Motor Vehicle Retail Instalment Sales Act lets the seller and the buyer agree on the rate. Whether the state’s general interest limits reach a retail instalment contract is not confirmed. nysenate.gov · checked Oct 3, 2026 |
| New York City vehicle use tax | $30.00 for two years ($15 per year), for all weights, collected by DMV with the registration. dmv.ny.gov · checked Oct 3, 2026 |
What has changed
· Fees: a new version takes effect.
nysenate.gov · checked Oct 3, 2026
· Fees: a new version takes effect.
nysenate.gov · checked Oct 3, 2026
· Watching: A $25-a-year supplemental registration fee for counties outside the MCTD (Assembly bill A10431); it would not change New York City deals, if the bill passes; it has been in the Assembly Transportation Committee since 2026-03-06.
nysenate.gov · checked Oct 3, 2026
· The rules on this page start here. Nothing earlier is loaded.
Questions people ask
Which New York sales tax rate applies to a car?
The rate where you live, not where the dealer is. It is the state’s 4.00% plus your county or city rate. If you live in a different New York jurisdiction from the place of delivery, give the dealer Form DTF-820. Without it, the dealer collects at the rate where the sale takes place. Twelve downstate counties also pay 0.375% for the Metropolitan Commuter Transportation District (MCTD). New York City’s combined rate is 8.875%, which is 4% state plus 4.5% city plus 0.375% MCTD, the same in all five boroughs. The state has a lookup by address; it warns against using ZIP codes.
tax.ny.gov · checked Oct 3, 2026
tax.ny.gov · checked Oct 3, 2026
tax.ny.gov · checked Oct 3, 2026
tax.ny.gov · checked Oct 3, 2026
What is the MCTD tax, and who pays it?
MCTD is the Metropolitan Commuter Transportation District. It shows up in two places. First, the sales tax rates in the district include 0.375% imposed for its benefit, so a buyer who lives there pays it in the combined rate on the car. Second, residents of the 12 MCTD counties pay a supplemental registration fee of $50 for two years ($25 per year). The 12 counties are the five New York City counties plus Dutchess, Nassau, Orange, Putnam, Rockland, Suffolk and Westchester.
tax.ny.gov · checked Oct 3, 2026
dmv.ny.gov · checked Oct 11, 2026
Is the New York dealer doc fee capped?
Yes. The state’s dealer rules say the optional dealer fee for processing a registration or title application may not exceed $175, and the dealer may charge it only if it actually files the application. The fee does not include DMV fees or the inspection fee. A separate special plate processing fee may not exceed $5. Every copy of the invoice must carry this wording in the same type size: “Dealer’s optional fee for processing application for registration and/or certificate of title, and for securing special or distinctive plates (if applicable). THIS IS NOT A DMV FEE.” The footnote adds that, unless a lien is being recorded or the dealer issued number plates, you may submit your own application. So the fee is optional unless a lien is recorded or the dealer issued plates.
dmv.ny.gov · checked Oct 3, 2026
Does a trade-in lower New York sales tax, and what if I owe on it?
Yes. The trade-in allowance comes off the taxable price, but only if the dealer means to resell the vehicle, even to a scrap yard. There is no cap, on new or used purchases. If you owe on the trade-in and you pay off that loan yourself, or by borrowing extra on the new loan, the trade-in credit is not affected. If the dealer accepts the trade-in subject to the loan, the credit is only the equity you have. The payoff rule comes from a state advisory opinion, which formally binds only the person who asked.
tax.ny.gov · checked Oct 3, 2026
nysenate.gov · checked Oct 3, 2026
tax.ny.gov · checked Oct 3, 2026
I bought a car out of state. What do I pay in New York?
A New York resident who buys a car outside the state and brings it in owes New York State and local sales and use tax. It is paid at DMV at the rate of your home locality, on Form DTF-804. Tax paid to the other state reduces it only to the extent that state gives a reciprocal credit. The state’s publication says New Jersey, Connecticut and Pennsylvania do not allow reciprocal credit for sales tax. Maryland and Indiana credit only against the 4% state portion, and an excess credit is not refunded. If the car was used outside New York for more than six months first, the tax is on the lower of the price or its fair market value. If you bought it while you were not a New York resident, no New York tax is due, but you still pay title, registration, plate and local fees.
tax.ny.gov · checked Oct 3, 2026
tax.ny.gov · checked Oct 3, 2026
nysenate.gov · checked Oct 3, 2026
What do title and registration cost in New York?
The title fee is $50. The date that fee started is not confirmed, and it falls to $5 on April 1, 2028 unless the Legislature extends it. Registration is for two years, and a new-car buyer pays both up front. The fee depends on weight: a car at 3,451 to 3,550 lb pays $56.50 for the two years, with $55.00 for 3,351 to 3,450 lb and $59.00 for 3,551 to 3,650 lb. A set of plates costs $25.00 when one is issued. In New York City there is also a vehicle use tax of $30.00 for two years. Residents of the MCTD counties pay a supplemental fee of $50 for two years. The lender pays the lien filing fee, and it may not be charged to you.
dmv.ny.gov · checked Oct 3, 2026
nysenate.gov · checked Oct 3, 2026
nysenate.gov · checked Oct 3, 2026