Estimate your New York property tax based on the state's 1.45% average effective rate. Enter your home value for an instant, free calculation.
Enter any tax exemption amount you qualify for in New York
New York property taxes are really two stories: New York City's effective rates sit under 1% thanks to its class-based assessment, while many upstate counties top 2% — among the highest in the nation. The STAR program, not a flat exemption, is the main form of homeowner relief.
Local assessors set market value, and each area carries a Residential Assessment Ratio reflecting assessed-to-market value, since many jurisdictions reassess infrequently. County, municipal, and school rates (in mills) apply to assessed value. New York City uses a separate four-class system in which class-one homes are assessed at 6% of market value, and a state cap generally limits levy growth to the lower of 2% or inflation.
| Home Value | Estimated Annual Tax | Monthly (Escrow) |
|---|---|---|
| $250,000 | $3,625 | $302/mo |
| $395,000 (median) | $5,728 | $477/mo |
| $600,000 | $8,700 | $725/mo |
Effective rates vary within New York. These figures are median-tax-to-median-value estimates from U.S. Census ACS data (2019–2023 5-year) for some of the most populous counties:
| County | Effective Rate |
|---|---|
| Kings County (Brooklyn) | 0.73% |
| Queens County | 0.88% |
| Bronx County | 0.95% |
| Richmond County (Staten Island) | 0.91% |
| Erie County | 1.76% |
| Monroe County | 2.36% |
| Onondaga County | 2.12% |
| Albany County | 1.62% |
Among these counties, effective rates range from about 0.73% in Kings County to 2.36% in Monroe County. Your actual rate depends on the local mill/millage set by your county, city, and school district.
New York uses no flat dollar homestead exemption. Instead the School Tax Relief (STAR) program cuts school taxes: Basic STAR is available to owner-occupants with household income under $500,000 (mostly delivered as a check/credit), and Enhanced STAR gives owners 65+ with qualifying income a larger reduction.
The Senior Citizens Exemption can cut a primary residence's assessed value up to 50% for owners 65+ within local income limits. Veterans' exemptions (alternative, eligible-funds, and Cold War) lower assessed value for qualifying veterans, and the Disabled Homeowners' Exemption offers up to a 50% reduction for income-eligible owners with disabilities.
Due dates are set locally and vary widely. Outside NYC, county/town bills often arrive around January and school bills around September, each with its own date. New York City bills quarterly or semi-annually, generally due July 1, October 1, January 1, and April 1.
Contest your assessment on Grievance Day (usually the fourth Tuesday in May) by filing Form RP-524 with the local Board of Assessment Review, then via Small Claims Assessment Review if needed. In NYC, file with the Tax Commission by March 1 (March 15 for class-one).
New York's statewide effective property tax rate is roughly 1.45% of home value, nearly double the national average, though it varies sharply — NYC's effective rates are under 1% while many upstate counties exceed 2%.
STAR (School Tax Relief) lowers school property taxes for owner-occupants. Basic STAR requires income under $500,000; Enhanced STAR is for eligible homeowners 65 and older with qualifying income.
Counties such as Monroe and Onondaga have effective rates above 2% because tax levies — heavily for schools — are spread over relatively low home values, producing high taxes as a share of value.