Out-the-door price in New York
How New York works
- New York is 4% state tax plus county/city tax (up to 8.875% in NYC), based on where you register — not where the dealer is.
- Your trade-in reduces the taxable amount in New York.
- Doc fees are capped at $175 and the cap is enforced — anything higher on your quote is over the legal cap.
- Extended warranties and service contracts are taxable in New York, at your car's sales tax rate. GAP coverage isn't, as long as it's listed separately at a reasonable price. This calculator taxes all finance-office products together, so if yours is mostly GAP the estimate runs a little high.
- Registration is for two years and priced by weight. The 12 counties around New York City add a $50 MCTD fee, and many counties add their own use tax.
- The doc fee itself is NOT subject to New York sales tax, as long as it's separately stated on your invoice and at or under the $175 DMV-permitted cap (standard practice).
Rules last verified Oct 3, 2026. Our methodology.
Try it for your ZIP
What a New York advertised price has to include
New York's Attorney General already treats an advertised price that leaves out dealer fees as deceptive: the price has to be the actual purchase price, leaving out only registration and title fees and taxes, with a statement next to it saying so. Federal law requires the same. That still isn't your out-the-door number; the calculator above adds the rest for your ZIP.
Federal law comes first
The FTC requires a dealer's advertised price to include every fee the dealer charges. Only charges the government requires you to pay, like tax, title and registration, can be left out. Where a state's rules let a dealer leave a fee out, the dealer still has to follow the federal rule, so the fee goes in. The FTC says a state's doc-fee rules can add disclosures, but they don't change the price that has to be advertised. Read the FTC's guidance.
Has to be in the advertised price
- The dealer's doc fee (capped at $175)
- Freight, dealer prep and anything the dealer has added to the car
- The inspection the dealer has to do before delivery, if the dealer charges for it
- Any other dealer fee, whatever it is called, such as a "sales commission" fee
Can still be added on top
- Sales tax
- Registration, title and plate fees, the MCTD fee, county use tax and the state tire fee
- Optional products you choose to buy, such as a service contract or GAP coverage
- New York's rule: the Attorney General's advertising guidelines for car dealers say an advertised price has to be the actual purchase price, leaving out only registration and title fees and taxes, with a statement next to the price saying it includes everything else. Federal law requires the same, so the two agree.
- The doc fee: capped at $175. The invoice has to describe it as the dealer's fee for processing your registration and title, and say "THIS IS NOT A DMV FEE". You can file the paperwork yourself unless a lien is being recorded or the dealer issued your plates. It isn't taxed.
- Renamed fees still count: in September 2026 the Attorney General settled with a Westchester dealer group that left a 2% "sales commission" fee out of its website prices, with about $1.17 million in refunds and $700,000 in penalties.
- Rebates: an ad showing a price after a rebate has to show the actual selling price too, and a dealer can't net out a rebate unless it comes from a manufacturer program.
- No charge for a temporary registration: a dealer can't charge extra for issuing one.
- Coming: New York City has proposed a rule requiring every advertised price to include all mandatory fees, and a state junk-fee bill passed the Senate in May 2026. Neither is law yet.
More in our guide: Do dealers have to put fees in the advertised price? What actually changed for 2026
New York in detail
Rates by county in New York
Counties where the rate differs from the rest of New York, or changes from one city to the next. The 20 listed here are the ones where your county actually changes the number.
| County | Combined rate | ZIPs |
|---|---|---|
| Bronx County | 8.875% | 25 |
| Kings County (Brooklyn) | 8.875% | 47 |
| New York County (Manhattan) | 8.875% | 146 |
| Queens County | 8.875% | 79 |
| Richmond County (Staten Island) | 8.875% | 14 |
| Erie County | 8.75% | 87 |
| Oneida County | 8.75% | 57 |
| Suffolk County | 8.75% | 113 |
| Nassau County | 8.625% | 91 |
| Allegany County | 8.5% | 28 |
| Putnam County | 8.375% | 9 |
| Rockland County | 8.375% | 27 |
| Westchester County | 8.375%–8.875% | 81 |
| Herkimer County | 8.25% | 17 |
| Dutchess County | 8.125% | 39 |
| Orange County | 8.125% | 56 |
| Ontario County | 7.5% | 21 |
| Saratoga County | 7% | 21 |
| Warren County | 7% | 23 |
| Washington County | 7% | 21 |
New York OTD questions, answered
Does a trade-in reduce sales tax in New York?
Yes — New York taxes the difference: your trade-in's value is subtracted before tax is computed.
Are manufacturer rebates taxed in New York?
Effectively yes — tax is computed before the rebate is applied, so you pay tax on the pre-rebate price.
Is the doc fee capped in New York?
Yes — the cap is $175.00 (15 NYCRR Sec. 78.19). A dealer may not exceed it.
What does a New York dealer's advertised price have to include?
Everything except registration and title fees and taxes, under the Attorney General's guidelines, so the doc fee (up to $175), freight, dealer prep and any other dealer fee belong in it. Federal law requires the same. The ad also has to say, next to the price, that it includes everything except those government fees and taxes.
What is the MCTD fee on a New York registration?
A $50 surcharge on each two-year registration in the 12 counties of the Metropolitan Commuter Transportation District: the five New York City boroughs plus Dutchess, Nassau, Orange, Putnam, Rockland, Suffolk and Westchester. It helps fund the MTA and isn't subject to sales tax.