Property tax by ZIP code in New York
Enter a New York ZIP and see the median property tax paid, median home value, and effective tax rate from the 2020–2024 American Community Survey — plus how it compares to the New York state median.
Look up a New York ZIP code
Enter a 5-digit New York ZIP code above to see its property tax data.
ZIP doesn't have ACS data — typically because it's a PO-box-only ZIP, a single-business ZIP, or a small area where the Census suppresses small-sample estimates. Try a nearby ZIP.
ZIP isn't a New York ZIP code. This page covers New York only. Other states are launching state by state — check back, or use our state-by-state median page in the meantime.
New York property tax is assessed and levied entirely at the local level — by town, city, county, and school-district officials — and assessments use fractional assessment: outside New York City and Nassau County, each municipality assesses property at a uniform percentage of market value, which can be any level so long as it is applied uniformly. Because those percentages differ from town to town, the state uses equalization rates to compare values fairly when counties and school districts levy across multiple municipalities. School taxes are the single largest share of the property-tax bill outside NYC.
Enter a 5-digit New York ZIP to see its median property tax, median home value, and effective rate from the US Census American Community Survey 2020–2024 vintage, plus how the ZIP compares to the New York state and US national medians. The explainer below covers STAR and other relief, the Census topcoding that affects high-value downstate ZIPs, and the methodology behind the comparison rates.
How New York property tax works
New York assesses property locally. Most assessors work for a town or city (some for a county or village), and — outside New York City and Nassau County — they assess at a uniform percentage of market value rather than at full value. Most municipalities publish a tentative assessment roll around May 1, with Grievance Day (the deadline to contest your assessment) on the fourth Tuesday in May in most jurisdictions.
The big relief program is STAR (School Tax Relief): Basic STAR is available to owner-occupants with income of $500,000 or less (the older exemption form, capped at $250,000 income, is closed to new applicants since 2015 — new homeowners receive the STAR credit instead). Enhanced STAR adds a larger benefit for owners 65 and older with income of $110,750 or less. Senior and veterans exemptions are additional local options.
Since 2012, a property tax cap limits how much a local government or school district can grow its total tax levy each year — to the lower of 2% or inflation, unless overridden by a 60% vote. Note that the cap is on the jurisdiction's total levy, not on any single homeowner's bill, so an individual bill can still rise more than 2%.
Why your actual bill differs
The numbers above describe a typical homeowner in this ZIP — not your specific bill. A few things move bills away from the median:
- Fractional assessment varies by municipality. Your assessed value is a locally-set percentage of market value, and that percentage differs from town to town — which is exactly why New York publishes equalization rates.
- STAR and other exemptions. Basic or Enhanced STAR, plus senior and veterans exemptions, can cut a school-tax bill meaningfully depending on what you qualify for.
- School district matters most. School taxes are the largest component of the bill outside New York City, so two homes of equal value in different school districts can pay very differently.
For your current assessment and bill, start with the New York State ORPTS Municipal Data Portal, which routes you to your municipality, school district, and county records.
Methodology
Data on this page comes from the US Census American Community Survey 5-year estimates, 2020–2024 vintage (released January 29, 2026), at the ZIP Code Tabulation Area (ZCTA) level. After filtering ZCTAs the Census suppresses for privacy or small-sample reasons, this page covers 1,613 New York ZIPs.
New York topcoding. The Census caps median property tax at $10,000 — median tax appears as $10,001 for any ZIP where the true median is at or above the cap. New York has one of the largest counts of topcoded ZIPs in the country, concentrated in high-value downstate areas (parts of New York City, Long Island, and Westchester); effective-rate calculations for those ZIPs are floor estimates, not exact values.
See the full methodology page for source details (Census table IDs, the comparison-median rule, calculator formulas), how we handle topcoding across every state, and the refresh cadence.
Frequently asked questions
Why is the median tax in my ZIP different from what I pay?
Median is the middle of the distribution, not your bill. New York's fractional, locally-set assessment percentages mean two equal-value homes in different towns can be assessed differently, and STAR, senior, and veterans exemptions shift your bill away from the ZIP median in either direction.
Why does my ZIP show $10,001 as the median tax?
That's the Census topcode. The ACS reports property-tax responses above $10,000 as $10,001 to protect privacy, so the true median is at least $10,000 — often higher. In New York these cluster in high-value downstate ZIPs (parts of New York City, Long Island, and Westchester).
Where do I find my actual New York property tax bill?
Through your local assessor and collector. The New York Department of Taxation and Finance Municipal Data Portal routes you to the right municipality, school district, and county; the bill itself comes from your local collector.
When does New York data update on this page?
Annually, when the Census Bureau releases a new ACS 5-year vintage. The 2020–2024 vintage released January 29, 2026. The next vintage (2021–2025) typically follows the next year, though the Census has not yet posted its release date.
Why don't you cover other states yet?
State-by-state rollout. Each state needs its own context section (assessment method, exemptions, local taxing structure) to be genuinely useful. High-search-volume states are going live first.