New Jersey realty transfer fee and mansion tax calculator
What the state takes when you sell
When you sell a home in New Jersey the state charges two fees at closing, both paid by the seller: the Realty Transfer Fee, a sliding scale on the sale price, and, on sales over $1,000,000, the Graduated Percent Fee that everyone calls the mansion tax. Enter a price below and this calculator applies the official 2026 schedule from the New Jersey Division of Taxation.
I am Bogdan Nicolae Rus, a REALTOR® with eXp Realty (New Jersey license #2186044) in Hoboken. I put these numbers on paper for every seller before the listing agreement, so the net figure is never a surprise. I work in English, Romanian and Spanish. Vorbim românește. Se habla español.
Estimate the transfer fee and mansion tax
- Price used (rounded up to the next $500)
- Realty Transfer Fee (seller)
- Mansion tax, of the whole price (seller)
- Total state fees the seller pays
Turn on JavaScript to use the calculator, or read the rate table and the three worked examples below; they are the same schedule.
Estimate only. It covers the two state fees and nothing else (not commission, attorney, payoff, prorations or the non-resident estimated tax). It is not tax or legal advice; the attorney's closing statement is final. Sale prices that are not a multiple of $500 are rounded up to the next $500, which is how the per-$500 schedule is applied.
Three Hudson County price points
- Sale price $600,000
- Realty transfer fee $5,185.00
- Mansion tax (none) $0.00
- Seller pays the state $5,185.00
- Sale price $1,200,000
- Realty transfer fee $11,995.00
- Mansion tax (1%) $12,000.00
- Seller pays the state $23,995.00
- Sale price $2,100,000
- Realty transfer fee $22,885.00
- Mansion tax (2%) $42,000.00
- Seller pays the state $64,885.00
Standard schedule, no exemption. The two-family at $1,200,000 shows why the mansion tax matters: it is 1% of the entire price, which is more than the transfer fee itself.
NJ Realty Transfer Fee rates, 2026
The fee is graduated: each slice of the price is charged at its own rate per $500, and there are two schedules depending on whether the total price is over $350,000. Both tables below are the state's, copied from the New Jersey Division of Taxation on September 29, 2026.
| Slice of the price | Total price up to $350,000 | Total price over $350,000 |
|---|---|---|
| $0 to $150,000 | $2.00 / $500 | $2.90 / $500 |
| $150,000 to $200,000 | $3.35 / $500 | $4.25 / $500 |
| $200,000 to $350,000 | $3.90 / $500 | $4.80 / $500 ($200,000 to $550,000) |
| $350,000 to $550,000 | n/a | |
| $550,000 to $850,000 | n/a | $5.30 / $500 |
| $850,000 to $1,000,000 | n/a | $5.80 / $500 |
| Over $1,000,000 | n/a | $6.05 / $500 |
| Slice of the price | Total price up to $350,000 | Total price over $350,000 |
|---|---|---|
| $0 to $150,000 | $0.50 / $500 | $1.40 / $500 |
| $150,000 to $350,000 | $1.25 / $500 | $2.15 / $500 ($150,000 to $550,000) |
| $350,000 to $550,000 | n/a | |
| $550,000 to $850,000 | n/a | $2.65 / $500 |
| $850,000 to $1,000,000 | n/a | $3.15 / $500 |
| Over $1,000,000 | n/a | $3.40 / $500 |
| Total price | Rate on total consideration |
|---|---|
| $1,000,000 or less | none |
| Over $1,000,000 up to $2,000,000 | 1% |
| Over $2,000,000 up to $2,500,000 | 2% |
| Over $2,500,000 up to $3,000,000 | 2.5% |
| Over $3,000,000 up to $3,500,000 | 3% |
| Over $3,500,000 | 3.5% |
Source: Realty Transfer Fee and Realty Transfer Fee FAQs, New Jersey Division of Taxation. Checked 2026-09-29. This calculator reproduces the Division's own worked examples ($325,000 with no exemption = $1,910.00; $280,000 with a senior-citizen partial exemption = $475.00). The Graduated Percent Fee applies to Class 2 residential property, residential farmland, Class 4A commercial property and Class 4C cooperative units; exemptions are claimed on Form RTF-1EE.
Seller, buyer, and what the calculator leaves out
The seller pays both state fees. The Realty Transfer Fee has always been the seller's. The mansion tax used to be a flat 1% paid by the buyer; since July 10, 2025 it is the seller's, and it is tiered. Your attorney collects both at closing and the county clerk will not record the deed without them.
The buyer's side. Buyers pay their own title insurance, lender fees and recording charges for the mortgage, not the transfer fee. A seller who is no longer a New Jersey resident also pays an estimated income tax at closing on the GIT/REP forms; that is not in this calculator.
What else comes off the top. Commission as agreed in the listing agreement, your attorney's flat fee, the mortgage payoff, prorated taxes and utilities, and the town's certificates. Every line is on the cost-to-sell table on the Sell page. This page is general information, not tax or legal advice; the attorney's closing statement is final.
From the state fees to your net number
The fees above are the easy part; the price is the hard part. Ask for a home valuation and I come back within 24 hours with three pricing scenarios, each with its net to you after these fees. If you are earlier than that, read how I prepare, time and price a Jersey City sale, the Sell page, or more about how I work; client reviews are on the reviews page.
Transfer fee and mansion tax: frequently asked questions
Who pays the realty transfer fee in NJ?
The seller. The New Jersey Division of Taxation states that the Realty Transfer Fee is imposed on the seller of real property for recording the deed, calculated on the consideration in the deed. It is collected at closing by the county clerk when the deed is recorded, and your attorney's closing statement shows the exact figure.
Who pays the mansion tax in New Jersey in 2026?
The seller. Since July 10, 2025, under P.L. 2025, c.69, the state's Graduated Percent Fee on sales over $1,000,000 (the so-called mansion tax) is the seller's responsibility, and the Division of Taxation's page says the seller is statutorily responsible for both the Realty Transfer Fee and the Graduated Percent Fee. Before that date the buyer paid a flat 1%. Contracts can still shift costs by agreement, so read yours.
Is the mansion tax on the whole price or just the amount over $1 million?
On the whole price. The state schedule reads "1% of total consideration if in excess of $1,000,000 but not in excess of $2,000,000", and the same wording applies to the 2%, 2.5%, 3% and 3.5% tiers. A $1,200,000 sale owes 1% of $1,200,000, which is $12,000, not 1% of $200,000. At exactly $1,000,000 there is no Graduated Percent Fee; it starts above that.
How much is the NJ realty transfer fee on a $600,000 home?
$5,185.00 for a standard sale with no exemption, using the state schedule for total consideration over $350,000: $2.90 per $500 on the first $150,000, $4.25 per $500 from $150,000 to $200,000, $4.80 per $500 from $200,000 to $550,000 and $5.30 per $500 from $550,000 to $600,000. There is no mansion tax below $1,000,000, so that is the full state fee the seller pays.
Are there exemptions?
Yes, two kinds. Partial exemptions cut the Realty Transfer Fee roughly in half for qualifying senior citizens aged 62 or older, blind persons, disabled persons, and for low- and moderate-income housing; the seller claims one on Form RTF-1. Full exemptions cover deeds such as those under $100, between spouses or parent and child, to correct a prior deed, or from an estate to an heir. The Graduated Percent Fee has its own exemptions on Form RTF-1EE. Whether you qualify is a question for your attorney, not this page.