New York Property Tax Calculator
Figure basis: Official US Census Bureau, American Community Survey 5-year estimatesThis New York property tax calculator estimates the annual property tax on a home using the state's median effective property tax rate, which the US Census Bureau reports as 1.6% of a home's value. Enter a home value to see the estimated yearly property tax at that median rate. The Census figure is derived from the median real estate taxes paid in New York ($6,450) divided by the median home value ($403,000), from the American Community Survey 5-year estimates. Property tax in the United States is set locally, not by the state, so your actual rate depends on your county, city, school district and any special districts, and on how your property is assessed. Two homes of the same value in different counties of New York can have noticeably different bills. Use this as a sound statewide benchmark, then check your county assessor for your property's assessed value and the exact local millage rate, plus any homestead or senior exemptions you qualify for. The median real estate taxes and median home value here are official Census figures; the effective rate is the simple, disclosed ratio of the two.
New York's median effective property tax rate is 1.6% of home value (Census: median tax $6,450 on a median home worth $403,000). On a $400,000 home that is about $6,400 a year.
How New York property tax is estimated
estimated annual property tax = home value x effective rate / 100
New York median effective rate = median real estate taxes / median home value x 100
= $6,450 / $403,000 x 100 = 1.6%
Property tax is levied by local governments, so your exact rate is set by your county and municipality, not the state. The median rate above is a benchmark; check your county assessor for the assessed value and local millage that apply to your home.
Property tax by county in New York
Property tax is set locally, so the statewide median above hides a wide spread. These are the US Census Bureau's median figures for all 62 counties in New York: the median home value, the median real estate taxes actually paid, and the effective rate (taxes divided by value). The spread runs from Kings County at 0.71% to Allegany County at 2.92%, against a state median of 1.6%. Click a column heading to sort.
| Albany County | $294,600 | $5,200 | 1.77% |
| Allegany County | $101,700 | $2,968 | 2.92% |
| Bronx County | $529,500 | $5,447 | 1.03% |
| Broome County | $154,900 | $3,902 | 2.52% |
| Cattaraugus County | $113,100 | $2,991 | 2.64% |
| Cayuga County | $171,000 | $3,740 | 2.19% |
| Chautauqua County | $127,900 | $2,901 | 2.27% |
| Chemung County | $141,100 | $3,451 | 2.45% |
| Chenango County | $137,900 | $3,120 | 2.26% |
| Clinton County | $180,600 | $3,606 | 2% |
| Columbia County | $347,100 | $4,852 | 1.4% |
| Cortland County | $162,100 | $4,149 | 2.56% |
| Delaware County | $183,100 | $3,145 | 1.72% |
| Dutchess County | $400,600 | $7,562 | 1.89% |
| Erie County | $233,800 | $4,622 | 1.98% |
| Essex County | $211,900 | $3,119 | 1.47% |
| Franklin County | $145,400 | $2,440 | 1.68% |
| Fulton County | $163,100 | $3,364 | 2.06% |
| Genesee County | $170,500 | $4,113 | 2.41% |
| Greene County | $271,600 | $4,056 | 1.49% |
| Hamilton County | $260,200 | $2,597 | 1% |
| Herkimer County | $147,700 | $3,107 | 2.1% |
| Jefferson County | $188,200 | $2,899 | 1.54% |
| Kings County | $905,000 | $6,382 | 0.71% |
| Lewis County | $166,100 | $2,688 | 1.62% |
| Livingston County | $174,600 | $4,286 | 2.45% |
| Madison County | $184,600 | $4,181 | 2.26% |
| Monroe County | $213,700 | $5,616 | 2.63% |
| Montgomery County | $157,500 | $3,872 | 2.46% |
| Nassau County | $684,700 | $10,001 | 1.46% |
| New York County | $1,090,500 | $10,001 | 0.92% |
| Niagara County | $189,800 | $4,155 | 2.19% |
| Oneida County | $182,600 | $3,690 | 2.02% |
| Onondaga County | $200,200 | $4,880 | 2.44% |
| Ontario County | $222,900 | $4,565 | 2.05% |
| Orange County | $387,900 | $8,494 | 2.19% |
| Orleans County | $140,800 | $3,823 | 2.72% |
| Oswego County | $151,700 | $3,646 | 2.4% |
| Otsego County | $179,100 | $3,041 | 1.7% |
| Putnam County | $471,300 | $10,001 | 2.12% |
| Queens County | $723,800 | $6,297 | 0.87% |
| Rensselaer County | $258,400 | $5,301 | 2.05% |
| Richmond County | $675,500 | $6,247 | 0.92% |
| Rockland County | $596,900 | $10,001 | 1.68% |
| Saratoga County | $348,600 | $4,875 | 1.4% |
| Schenectady County | $235,700 | $5,568 | 2.36% |
| Schoharie County | $192,500 | $3,914 | 2.03% |
| Schuyler County | $171,800 | $3,390 | 1.97% |
| Seneca County | $155,400 | $3,403 | 2.19% |
| St. Lawrence County | $121,900 | $2,844 | 2.33% |
| Steuben County | $137,900 | $3,386 | 2.46% |
| Suffolk County | $578,400 | $10,001 | 1.73% |
| Sullivan County | $249,000 | $4,969 | 2% |
| Tioga County | $160,800 | $3,751 | 2.33% |
| Tompkins County | $290,900 | $6,515 | 2.24% |
| Ulster County | $352,500 | $6,238 | 1.77% |
| Warren County | $267,400 | $3,936 | 1.47% |
| Washington County | $196,200 | $3,946 | 2.01% |
| Wayne County | $170,000 | $4,250 | 2.5% |
| Westchester County | $663,200 | $10,001 | 1.51% |
| Wyoming County | $162,300 | $3,650 | 2.25% |
| Yates County | $184,700 | $3,477 | 1.88% |
Source: US Census Bureau American Community Survey 5-year estimates (2023), tables B25103 (median real estate taxes paid) and B25077 (median home value). The effective rate is the disclosed ratio of the two. County medians describe the county as a whole; your own bill depends on your municipality, school district and any exemptions.
Why New York's median rate hides a huge county gap
New York's 1.6% median effective property tax rate, $6,450 in tax on a $403,000 median home, reads as only moderately above average, yet it hides the widest range of any state. Downstate suburbs in Westchester, Nassau, and Rockland counties carry some of the highest property tax bills in the country in dollar terms, far above the statewide median, while a same-priced home upstate or inside New York City often pays much less. New York City runs the other way: assessment caps limit how fast the taxable value of a one-to-three-family home can rise each year, so the effective rate on an expensive brownstone can sit below that of a modest house in the suburbs.
The arithmetic is also less direct than assessed value times rate. Most New York assessing units value property at a fraction of market price and then apply an equalization rate to reconcile with full value, so the number on your assessment notice is rarely your home's actual worth. Two neighbors in different school districts can owe very different amounts on identical houses.
Two New York reliefs move real money. The STAR (School Tax Relief) program lowers school taxes for owner-occupants, with a larger Enhanced STAR for qualifying seniors, and a statewide levy cap limits how much most local governments can raise the tax levy from one year to the next. Before you trust the 1.6% benchmark, pull your county assessor's record and your school district's rate: in New York, the county you buy in shapes the bill far more than the state you live in.
New York property tax: frequently asked questions
What is the property tax rate in New York?
The median effective property tax rate in New York is 1.6% of a home's value, based on US Census Bureau data (median real estate taxes of $6,450 on a median home value of $403,000). On a $400,000 home that is about $6,400 a year. Your actual rate depends on your county and municipality.
How is New York property tax calculated?
Property tax is your home's assessed value multiplied by the combined local tax rate (millage) set by your county, city, school district and other local bodies. This calculator estimates it from the New York median effective rate of 1.6%; for an exact figure, use your county assessor's assessed value and local millage.
Why is New York's property tax different from my neighbour's?
Property tax is local, not statewide. Rates and assessment practices vary by county, city and school district, and exemptions (such as homestead exemptions) differ. The 1.6% here is the New York statewide median effective rate from the Census; individual bills vary above and below it.
Where does the New York property tax data come from?
From the US Census Bureau American Community Survey 5-year estimates (2023): table B25103 (median real estate taxes paid) and B25077 (median home value). The effective rate is taxes divided by value. The figures are verified as at Jun 25, 2026.
Official sources
- New York median real estate taxes paid and median home value (ACS 2023 5-year, tables B25103 and B25077): US Census Bureau, as at Jun 25, 2026.
Reviewed by the CalculatorHub team, edited by James Graham, 26 June 2026. See our methodology. General information, not financial or tax advice. Effective rate is the Census state median; your local rate is set by your county and municipality.