New York Property Tax Calculator
Calculate your property tax across 8 major New York areas, compare county rates side by side, and estimate your STAR exemption savings.
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How to Use This Calculator
Annual Tax tab
Enter your home value (estimated market value) and select your area or county from the 8 major New York regions. The calculator applies the area's effective tax rate to show your estimated annual and monthly property tax, plus how your bill compares to the area median.
County Comparison tab
View all 8 major New York areas side by side — effective tax rates, median home values, and median annual tax bills. Westchester County has the highest property taxes in the entire United States at a median of $15,027/year. NYC has the lowest effective rate (~0.85%) thanks to its complex assessment system with 4 property classes.
STAR & Exemptions tab
Enter your home value, area, age, and household income to calculate your property tax savings under the STAR program. Basic STAR provides a $30,000 assessed value exemption for all owner-occupied primary residences. Enhanced STAR (for homeowners 65+ with income at or below $98,700) provides a $68,700 exemption.
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The Formula
New York property tax is calculated by your local taxing authorities based on assessed value and the tax levy:
Where effective tax rates vary by county:
NYC (Class 1): ~0.85%
Westchester: ~2.56%
Nassau: ~2.22%
Suffolk: ~2.07%
Rockland: ~2.35%
Albany: ~2.15%
Erie: ~2.62%
Monroe: ~2.51%
STAR Savings = STAR Exemption Amount × School Tax Rate
Basic STAR exemption: $30,000
Enhanced STAR exemption: $68,700 (65+, income ≤ $98,700)
The actual tax calculation is more complex: local assessors determine assessed value (which may differ from market value depending on equalization rates), and multiple taxing jurisdictions (county, city/town, school district, special districts) each apply their own levy. The effective rates shown here reflect the net result of all these layers.
Example
Maria — Homeowner in Westchester County
Maria owns a single-family home valued at $600,000 in Westchester County. She is 67 years old with a combined household income of $85,000, qualifying for Enhanced STAR.
Annual tax calculation
STAR exemption savings
Even with Enhanced STAR saving Maria roughly $1,759/year, her Westchester property tax bill remains one of the highest in the country. By comparison, the same $600,000 home in NYC (Class 1) would face only ~$5,100/year in property taxes — less than a third of Westchester's bill.