New York Property Tax
New York Property Tax Calculator (2026)
Estimate New York property taxes, review the statewide effective rate, browse county pages, and connect tax costs to mortgage payment planning.
Estimated Effective State Rate
1.30%
Sample Annual Tax on $425,000 Home
$5,525
FHA State Tier
Mixed Standard + High-Cost County Tier
Counties Covered
62
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.
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 County and Locality Pages
Highest property tax rates in New York
Among counties currently in the NMC dataset for this state.
- 1. Allegany County2.92%
- 2. Orleans County2.72%
- 3. Cattaraugus County2.64%
- 4. Monroe County2.63%
- 5. Cortland County2.56%
Lowest property tax rates in New York
Among counties currently in the NMC dataset for this state.
- 1. Kings County0.71%
- 2. Queens County0.87%
- 3. New York County0.92%
- 4. Richmond County0.92%
- 5. Hamilton County1.00%
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%
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.