New York Mortgage Snapshot
New York Mortgage + Property Tax Snapshot (2026)
Compare New York property tax context, FHA limit tier signals, and county-level navigation so you can plan financing scenarios faster.
Estimated Effective State Rate
1.40%
Sample Annual Tax on $425,000 Home
$5,950
FHA State Tier
Mixed Standard + High-Cost County Tier
County/Locality Pages
8
FHA Limit Tier Context in New York
State Tier Signal
Some counties follow standard FHA limits while higher-cost counties may qualify for elevated FHA limits.
FHA 1-Unit Floor
$541,287
FHA 1-Unit Ceiling
$1,249,125
What Homebuyers in New York Should Know
- Balance tax assumptions with insurance and financing terms for accurate payment planning.
New York County and Locality Pages
Allegany County
Estimated effective rate: 3.20%
Broome County
Estimated effective rate: 2.70%
Cattaraugus County
Estimated effective rate: 2.80%
Cortland County
Estimated effective rate: 2.90%
Monroe County
Estimated effective rate: 3.10%
Onondaga County
Estimated effective rate: 2.80%
Orleans County
Estimated effective rate: 3.20%
Schenectady County
Estimated effective rate: 2.70%
Need the National View?
Return to the national Property Tax Calculator to compare across states and scenarios.
Methodology and Data Sources
- Tax Foundation Facts & Figures: Property Tax as Percent of Home Value - State-level effective property tax rates (Updated: 2026-02-19)
- HUD/FHA Mortgagee Letter 2025-23 - 2026 FHA floor and high-cost ceiling frameworks (1-4 unit) (Updated: 2026-01-01)
Educational guidance only. Final loan terms and eligibility vary by county limits, credit, income, property profile, and lender guidelines.