All 62 counties · 2026 rates
What your New York home will cost you each year
New York runs two property tax systems. Start with your ZIP code and this page will use the right one, and stop mentioning the other.
What kind of home is it?
That makes this Class 1. Assessed at 6% of market value and taxed at 19.843% of the assessment.
Bought before 2015, so you should hold the STAR exemption, which comes off the school portion of your bill directly.
Exemptions you have, or could have
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Estimated annual tax
$8,238
That is $686 a month, billed quarterly at $2,059 a quarter.
Assessment caps are holding $132,874 of value off your bill. Someone buying this home today would be billed $9,820.
How we got there
| Market value | $850,000 |
| Assessed value | $43,028 |
| Tax rate | 19.843% |
| Tax before exemptions | $8,538 |
| STAR (off the bill) | -$300 |
| Annual tax | $8,238 |
Effective rate 0.97% of market value. The school portion is 58.4% of a Class 1 bill.
STAR: cheque or reduction
Buy before 2015 and keep the exemption, which comes off the school portion of your bill. Buy after and STAR is a credit, mailed as a cheque by the state. Same money, different route, and the switch is permanent once you move.
Grievance Day
Outside the city, your town’s board of assessment review hears challenges on the fourth Tuesday in May. In the city you challenge through the Tax Commission instead: assessment notices go out in January and Class 1 appeals are due by 15 March.
The 2% cap is on the levy
New York limits how much a taxing unit can raise in total each year, not how much your bill can rise. If your assessment climbs faster than your neighbours’, your share grows even under the cap.
Rates by county
All 62 counties →The five boroughs are listed separately because their rate applies to assessed value, not market value. Comparing 20.085% against 2.45% directly would be meaningless — the tax column is the number worth reading across.
| County | Rate | Applied to | Tax on a $600,000 home | |
|---|---|---|---|---|
| ManhattanNew York City, mostly Class 2 | 12.439% | 45% of the city’s rental valuation | $6,927 | County page |
| BrooklynNew York City, Class 1 | 19.843% | 6% of market value | $7,143 | County page |
| QueensNew York City, Class 1 | 19.843% | 6% of market value | $7,143 | County page |
| The BronxNew York City, Class 1 | 19.843% | 6% of market value | $7,143 | County page |
| Staten IslandNew York City, Class 1 | 19.843% | 6% of market value | $7,143 | County page |
| NassauOutside New York City | 1.79% | full market value | $10,740 | County page |
| SuffolkOutside New York City | 2.42% | full market value | $14,520 | County page |
| WestchesterOutside New York City | 1.62% | full market value | $9,720 | County page |
| RocklandOutside New York City | 2.20% | full market value | $13,200 | County page |
| OrangeOutside New York City | 1.85% | full market value | $11,100 | County page |
| SaratogaOutside New York City | 1.75% | full market value | $10,500 | County page |
| AlbanyOutside New York City | 1.95% | full market value | $11,700 | County page |
| OnondagaOutside New York City | 1.85% | full market value | $11,100 | County page |
| MonroeOutside New York City | 3.82% | full market value | $22,920 | County page |
| ErieOutside New York City | 2.54% | full market value | $15,240 | County page |
Borough figures use the class rate on the assessment the city would set, with the co-op and condo abatement where it applies. County figures are county-wide averages: town, village and school district rates vary widely inside one county, and the school district is usually the largest single piece of the bill.
Common questions
Why is the New York City rate 20% when upstate is 2%?
They are charged on different things. The city assesses a Class 1 house at 6% of market value, so 19.843% of that works out at about 1.19% of what the house is worth. Upstate rates apply to close to full value, which makes them the higher of the two despite the smaller number.
Why is my co-op assessed far below what I paid?
Because the law does not let the city use your sale price. It values co-ops and condos as though the building were a rental, which usually lands well below what the unit sold for, and the assessment ratio applies to that figure. The number on your Notice of Property Value is the one that counts.
Do I get a STAR cheque or a reduction?
It depends when you bought. Buy before 2015 and stay put and you keep the exemption, which comes off your school taxes. Buy from 2015 on and STAR is a credit, paid to you by cheque. Same money, different route, and the switch is permanent once you move.
What is Grievance Day?
Outside the city, the day your town’s board of assessment review hears challenges, usually the fourth Tuesday in May. New York City runs a different process through the Tax Commission, with Class 1 appeals due by 15 March.
How much can my assessment rise?
For a New York City Class 1 house, 6% in a year and 20% over five years. The five-year limit is the one that usually binds, and it works out at about 3.7% a year. Outside the city there is no equivalent cap on your assessment.
Does the 2% cap limit my bill?
No, and this is the most common misreading of it. The 2% cap limits how much a taxing unit may raise in TOTAL each year, not how much any one bill may rise. If your assessment climbs faster than your neighbours’, your share grows even while the levy stays under the cap.