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TransportExplainer

Public transport in New York City – subway, buses, OMNY and fares

How to pay for the New York City subway and buses with OMNY, what a ride costs in 2026, how the free transfer and the weekly fare cap work, reduced fares and Fair Fares, the end of the MetroCard, commuter trains and the free Staten Island Ferry.

Checked 8 Oct 2026
Applies to
Everyone living in or moving to New York City.
Effort
Low effort
Time needed
A few minutes to set up a payment method
Cost
$3 per subway or local bus ride and $7.25 per express bus ride (2026); with OMNY you pay at most $35 in seven days for subway and local bus rides.
When
From your first day
Where
New York City, United States
On this page
  1. Overview
  2. Fares in 2026
  3. Transfers and the weekly fare cap
  4. Ways to pay
  5. Fair Fares – half-price rides on a low income
  6. Finding your way
  7. Beyond the subway
  8. Watch out
  9. Common mistakes
  10. Tips
  11. Frequently asked questions
  12. Official links
  13. In your plan
  14. Sources
  15. Related guides

The Metropolitan Transportation Authority (MTA) runs the New York City subway, local, limited, Select Bus Service and express buses, the Staten Island Railway and two commuter railroads (LIRR and Metro-North). On subways and buses you pay with OMNY: tap a contactless bank card, a phone or watch, or an OMNY card at the turnstile or the bus fare reader.

Fares in 2026

  • Subway and local, limited, rush and Select Bus Service buses: $3 per ride for most riders.
  • Express buses: $7.25.
  • Reduced fare: half the regular fare for seniors and people with qualifying disabilities.
  • Children: up to three children under 44 inches (112 cm) tall ride free with a fare-paying adult on subways and local buses; on express buses, children under two ride free on an adult's lap.

Transfers and the weekly fare cap

  • One free transfer within two hours of paying: subway to bus, bus to subway or bus to bus. From a subway or local bus to an express bus you pay the difference.
  • Fare capping: once you have paid $35 within seven days on subway and local buses, the rest of that seven-day period is free. If you also ride express buses, the cap is $67. Reduced-fare riders are capped at $17.50. Your first tap starts the seven-day period.
  • Transfers and the cap only work if you use the same card, phone or device for every tap. Group trips and transfers do not count towards the cap.

Ways to pay

  • Contactless bank card, phone or watch: tap at the OMNY reader and wait for "GO".
  • OMNY card: costs $5 and must be loaded with at least $1 when you buy it. Buy and reload it at subway vending machines and at participating stores such as Walgreens, CVS and 7-Eleven; you can register it in a free OMNY account and set up automatic reloads. Cash can still be used to add value at vending machines and retail locations.
  • MetroCard: since 1 January 2026 you can no longer buy or refill a MetroCard. Remaining value can still be used for now or transferred to an OMNY card at a Customer Service Center; the MTA says MetroCard and cash at the turnstile will stop being accepted on the same date in 2026, to be announced.

Fair Fares – half-price rides on a low income

Fair Fares NYC gives New York City residents aged 18 to 64 with a low household income 50% off subway and bus fares (and Access-A-Ride trips). The 2026 income limit is $23,940 a year for one person, $32,460 for two and $49,500 for four. You cannot use it if you already get full carfare from the Human Resources Administration or another City reduced fare. Apply online through ACCESS HRA or call 311.

Finding your way

  • In Manhattan, uptown means north and downtown means south; signs may also show the borough or final stop.
  • Subway lines are named by numbers and letters; some run express and skip stations. Check the line and direction before you board.
  • Let others get off before you board, move to the center of the car, do not hold the doors and keep accessible seats free for those who need them. Taking more than one seat is against subway rules.
  • Check the MTA website or app for service changes before you travel.

Beyond the subway

  • Long Island Rail Road (LIRR) and Metro-North: the MTA's two commuter railroads. Fares depend on the stations and the time of travel; buy tickets in the MTA TrainTime app.
  • Staten Island Ferry: a free City-run ferry between St. George (Staten Island) and Whitehall Terminal (Lower Manhattan), running 24 hours a day.
  • Driving: if you plan to drive, note that a New York resident needs a New York driver license; see Your first 30 days in New York City.

Watch out

Tapping two different cards or devices on the same trip can charge you twice and break your fare cap.

Do not walk on the tracks for any reason; ask staff or use a Help Point intercom if you drop something.

Common mistakes

  • Buying an OMNY card when a contactless bank card or phone would work without the $5 card fee.
  • Switching between phone and card during the week and missing the $35 fare cap.
  • Boarding an express train that skips your stop.

Tips

  • Set one card or phone as your "transit card" in your wallet app and use it every time.
  • Ask your employer whether it offers commuter benefits for transit.
  • Ask about Fair Fares if your household income is low; the discount is large over a year.

Frequently asked questions

Editorial answers written by our team, based on the sources below.

Is there a monthly pass?

Not any more. The weekly fare cap replaces the old unlimited passes: after $35 within seven days on the same card or device, subway and local bus rides are free for the rest of that period.

Can my children ride for free?

Up to three children under 44 inches tall ride free with a paying adult on subways and local buses.

In your plan

  • Set up how you pay for the subway and buses
  • Estimate your New York City budget, including move-in costs
  • Shortlist the New York City neighborhoods that suit you

Sources

Written and checked by HomiStart editorial against the official sources below. Next scheduled check: 6 Jan 2027.

  1. Metropolitan Transportation AuthorityOfficial source
    Fares and tolls (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  2. Metropolitan Transportation AuthorityOfficial source
    Subway and bus fares (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  3. Metropolitan Transportation AuthorityOfficial source
    MetroCard (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  4. Metropolitan Transportation Authority (OMNY)Official source
    OMNY fares and fare capping (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  5. Metropolitan Transportation Authority (OMNY)Official source
    OMNY Card (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  6. Metropolitan Transportation AuthorityOfficial source
    How to ride the NYC subway (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  7. City of New York – Human Resources AdministrationOfficial source
    Fair Fares NYC (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  8. NYC Department of TransportationOfficial source
    Staten Island Ferry (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  9. New York State Department of Motor VehiclesOfficial source
    Drivers from other countries (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026

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