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Saving up for a New York City apartment is a substantial goal, given the median condo price of $2.08 million and co-ops at $840K. Regardless of whether you're an all-cash buyer or getting a mortgage, monthly carrying costs are crucial. High payments can impact your debt-to-income ratio, affecting your eligibility for co-op board approval or a lender's requirements. Missing payments can lead to lawsuits and, in co-ops, potential eviction.
In co-ops, all shareholders pay maintenance fees, which are determined by your apartment's size. They cover property taxes, underlying mortgages, building insurance, and often utilities. These fees also handle common upkeep such as landscaping and pest control, plus building staff salaries and additional services, resulting in higher fees for buildings with more staff and services.
Condo buildings have tenants paying common charges, covering similar expenses but excluding property taxes. While common charges are often lower than co-op fees, combined with taxes, they may surpass co-op maintenance fees. Charges are set based on unit size and, in some cases, location.
For those seeking lower carrying costs, the listings below feature relatively low maintenance fees or common charges. All have upcoming open houses and prospective buyers must schedule an appointment before attending.

55a Downing Street, #4F (Compass)

39 Argyle Road, #4B (Douglas Elliman Real Estate)

2025 Ocean Avenue, #6A (Corcoran Group)

299 13th Street, #3D (Corcoran Group)

54 Dupont Street, #3A (REAVIS PARTNERS LLC)

The Eldertree, #3B (Corcoran Group)

91 Butler Street, #4 (Serhant LLC)

Grand Chelsea, #12A (Douglas Elliman Real Estate)

347 Gates Avenue, #2A (Compass)

395 16th Street, #2 (Compass)

Factory Lofts, #1AD1 (Compass)

Kalahari Harlem, #B708 (Compass)

212 West 72nd Street, #7F (Douglas Elliman Real Estate)

The New Condos, #4A (Corcoran Group)

218 Classon Avenue, #PH (Corcoran Group)

The Future, #11C (Brown Harris Stevens Residential Sales LLC)

389 E. 89, #9C (Douglas Elliman Real Estate)

490 Lorimer Street, #1A (Douglas Elliman Real Estate)

528 4th Street, #3 (Corcoran Group)

The Grinnell, #8H (Compass)

473 Hicks Street, #4 (Douglas Elliman Real Estate)

478 3rd Street, #4R (Compass)

128 East 28th Street, #6A (Brown Harris Stevens Residential Sales LLC)

661 Driggs Avenue, #2A (Corcoran Group)

22 Jefferson Avenue, #1 (Douglas Elliman Real Estate)

239 Carlton Avenue, #1 (Douglas Elliman Real Estate)

Fitzroy Townhouses, #A (Douglas Elliman Real Estate)

The Park Loggia, #22B (Douglas Elliman Real Estate)

TWO12 North 9th Street, #PHAC (Compass)

31 Washington Street, #11 (Douglas Elliman Real Estate)

126 Pierrepont Street, # (Leven Real Estate)
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