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Your office decision is a math problem disguised as an identity problem. Hourly sublease vs. monthly suite vs. home vs. fully virtual — the break-even math, the homeowner's-insurance trap nobody warns you about, and the cross-state licensing wall.
New York's average private-pay session runs about $176 — but after tax and overhead you keep only 55-65 cents on the dollar. The real ranges for NY/NJ/CT, the insurance-vs-private-pay math, and how to set (and raise) a rate without guilt.