National Mortgage Center is Powered by Stride Bank - NMLS ID:#466690. VA-approved lender. Not affiliated with any government agency.
New York Property Tax
Estimate New York property taxes, compare county effective rates, and see how taxes show up in a monthly mortgage payment. 2026 planning data — not an official tax bill.
Estimated effective state rate
1.30%
Sample tax on a $400,000 home
$5,200
Vs U.S. benchmark (0.90%)
+$1,600
Counties in this dataset
62
In the current NMC dataset, New York has an estimated effective property-tax rate of 1.30%, resulting in approximately $5,200 in annual property taxes on a $400,000 home.
New York property taxes are set locally. Your bill typically stacks a county or city levy, a municipal levy, and a school-district levy. Statewide, the effective residential rate is well above the national benchmark, but New York City and upstate counties behave very differently.
Outside New York City, the local assessor assigns a market value and an assessed value. Because many towns do not reassess every year, New York publishes a Residential Assessment Ratio (RAR) so owners can check whether the assessed value still tracks the current market.
New York City uses a separate four-class system. One-, two-, and three-family homes are Class 1 and are assessed at a small fraction of market value (generally 6%). That is a major reason effective rates in Brooklyn, Queens, Staten Island, and the Bronx look lower than rates in many upstate counties even though the dollar bill can still be large on high-value homes.
Confirm your local RAR (or NYC class and assessment ratio) before treating assessed value as market value. An outdated assessment that is high relative to the RAR is a common reason to review an assessment challenge with the local assessor — not with this calculator.
STAR reduces the school-tax portion of the bill for eligible primary residences. Basic STAR is income-limited; Enhanced STAR has a higher benefit for qualifying seniors. New York has shifted many homeowners from an exemption to a credit paid after the bill.
Income-qualified seniors may receive an additional reduction of assessed value on a primary residence. City and town rules differ; NYC SCHE is administered separately from STAR.
Wartime veteran, eligible funds, and disability exemptions reduce assessed value where the locality has adopted them. Amounts are not uniform statewide.
Class 1 assessment rules keep effective rates in Kings, Queens, Richmond, and Bronx counties near or below 1% in ACS-based estimates, even though median bills are still thousands of dollars because home values are high.
Counties such as Monroe, Erie, and Onondaga often show effective rates above 2%. School taxes are a large share of the bill. Lower median home values can still produce a tax burden that is high relative to the home’s price.
Nassau, Suffolk, Westchester, and Orange combine high home values with substantial school levies. Use the county table below rather than the statewide 1.30% rate for payment planning.
Official New York resource: New York State Department of Taxation and Finance. Estimates on this page are for mortgage and relocation planning.
Median owner-occupied home value and median real-estate tax paid (ACS), with the county effective rate used in our calculator. Showing the 30 largest counties by owner-occupied households; every county is listed below.
| County | Median home value | Median annual tax | Effective rate |
|---|---|---|---|
| Suffolk County | $578,400 | $10,001 | 1.73% |
| Queens County | $723,800 | $6,297 | 0.87% |
| Nassau County | $684,700 | $10,001 | 1.46% |
| Kings County | $905,000 | $6,382 | 0.71% |
| Erie County | $233,800 | $4,622 | 1.98% |
| Westchester County | $663,200 | $10,001 | 1.51% |
| Monroe County | $213,700 | $5,616 | 2.63% |
| New York County | $1,090,500 | $10,001 | 0.92% |
| Onondaga County | $200,200 | $4,880 | 2.44% |
| Richmond County | $675,500 | $6,247 | 0.92% |
| Bronx County | $529,500 | $5,447 | 1.03% |
| Orange County | $387,900 | $8,494 | 2.19% |
| Dutchess County | $400,600 | $7,562 | 1.89% |
| Albany County | $294,600 | $5,200 | 1.77% |
| Saratoga County | $348,600 | $4,875 | 1.40% |
| Rockland County | $596,900 | $10,001 | 1.68% |
| Niagara County | $189,800 | $4,155 | 2.19% |
| Oneida County | $182,600 | $3,690 | 2.02% |
| Broome County | $154,900 | $3,902 | 2.52% |
| Ulster County | $352,500 | $6,238 | 1.77% |
| Rensselaer County | $258,400 | $5,301 | 2.05% |
| Schenectady County | $235,700 | $5,568 | 2.36% |
| Chautauqua County | $127,900 | $2,901 | 2.27% |
| Ontario County | $222,900 | $4,565 | 2.05% |
| Oswego County | $151,700 | $3,646 | 2.40% |
| Wayne County | $170,000 | $4,250 | 2.50% |
| St. Lawrence County | $121,900 | $2,844 | 2.33% |
| Putnam County | $471,300 | $10,001 | 2.12% |
| Steuben County | $137,900 | $3,386 | 2.46% |
| Jefferson County | $188,200 | $2,899 | 1.54% |
Among counties currently in the NMC dataset for this state.
Among counties currently in the NMC dataset for this state.
Albany County
Estimated effective rate: 1.77%
Allegany County
Estimated effective rate: 2.92%
Bronx County
Estimated effective rate: 1.03%
Broome County
Estimated effective rate: 2.52%
Cattaraugus County
Estimated effective rate: 2.64%
Cayuga County
Estimated effective rate: 2.19%
Chautauqua County
Estimated effective rate: 2.27%
Chemung County
Estimated effective rate: 2.45%
Chenango County
Estimated effective rate: 2.26%
Clinton County
Estimated effective rate: 2.00%
Columbia County
Estimated effective rate: 1.40%
Cortland County
Estimated effective rate: 2.56%
Delaware County
Estimated effective rate: 1.72%
Dutchess County
Estimated effective rate: 1.89%
Erie County
Estimated effective rate: 1.98%
Essex County
Estimated effective rate: 1.47%
Franklin County
Estimated effective rate: 1.68%
Fulton County
Estimated effective rate: 2.06%
Genesee County
Estimated effective rate: 2.41%
Greene County
Estimated effective rate: 1.49%
Hamilton County
Estimated effective rate: 1.00%
Herkimer County
Estimated effective rate: 2.10%
Jefferson County
Estimated effective rate: 1.54%
Kings County
Estimated effective rate: 0.71%
Lewis County
Estimated effective rate: 1.62%
Livingston County
Estimated effective rate: 2.45%
Madison County
Estimated effective rate: 2.26%
Monroe County
Estimated effective rate: 2.63%
Montgomery County
Estimated effective rate: 2.46%
Nassau County
Estimated effective rate: 1.46%
New York County
Estimated effective rate: 0.92%
Niagara County
Estimated effective rate: 2.19%
Oneida County
Estimated effective rate: 2.02%
Onondaga County
Estimated effective rate: 2.44%
Ontario County
Estimated effective rate: 2.05%
Orange County
Estimated effective rate: 2.19%
Orleans County
Estimated effective rate: 2.72%
Oswego County
Estimated effective rate: 2.40%
Otsego County
Estimated effective rate: 1.70%
Putnam County
Estimated effective rate: 2.12%
Queens County
Estimated effective rate: 0.87%
Rensselaer County
Estimated effective rate: 2.05%
Richmond County
Estimated effective rate: 0.92%
Rockland County
Estimated effective rate: 1.68%
Saratoga County
Estimated effective rate: 1.40%
Schenectady County
Estimated effective rate: 2.36%
Schoharie County
Estimated effective rate: 2.03%
Schuyler County
Estimated effective rate: 1.97%
Seneca County
Estimated effective rate: 2.19%
St. Lawrence County
Estimated effective rate: 2.33%
Steuben County
Estimated effective rate: 2.46%
Suffolk County
Estimated effective rate: 1.73%
Sullivan County
Estimated effective rate: 2.00%
Tioga County
Estimated effective rate: 2.33%
Tompkins County
Estimated effective rate: 2.24%
Ulster County
Estimated effective rate: 1.77%
Warren County
Estimated effective rate: 1.47%
Washington County
Estimated effective rate: 2.01%
Wayne County
Estimated effective rate: 2.50%
Westchester County
Estimated effective rate: 1.51%
Wyoming County
Estimated effective rate: 2.25%
Yates County
Estimated effective rate: 1.88%
NYC Class 1 homes are assessed at a much smaller share of market value than many upstate towns. Effective rate (taxes paid ÷ home value) can therefore look low even when the dollar bill is large.
New York’s primary residential relief is STAR (and local senior, veteran, and disability programs), not a single statewide homestead exemption like Florida’s. Check your assessor for programs that apply to your parcel.
Some counties follow standard FHA limits while higher-cost counties may qualify for elevated FHA limits.
FHA 1-unit floor $541,287 · ceiling $1,249,125. Property tax estimates on this page are separate from loan limits.
View New York FHA loan limitsReturn to the national Property Tax Calculator to compare across states and scenarios.
Statewide effective rates use 2024 ACS owner-occupied data. County rates are median real-estate taxes paid divided by median owner-occupied home value (ACS 2020–2024 5-year). Last reviewed August 13, 2026. Estimates only — confirm with the local taxing authority.
On a $400,000 home, the U.S. benchmark used for comparison is 0.90% ($3,600 / year).