Saratoga County Property Taxes
The median property tax rate in Saratoga County is 1.62%, significantly higher than both the national median of 0.99% and the New York state median of 2.39%. With a median home value of $282,609 in Saratoga County, the typical annual property tax bill reaches $4,340, which exceeds the national median of $2,690. Property taxes in Saratoga County are calculated based on the tax assessed value, which generally falls below the actual market value due to various property tax exemptions like the primary residence and agricultural exemptions. Understanding Saratoga County's specific property tax system, exploring available exemptions, and identifying opportunities for property tax reductions can provide significant annual savings. Whether you live in Saratoga Springs or another part of Saratoga County, gaining a comprehensive knowledge of local property taxes will benefit both homeowners and real estate investors.
Last Updated June 14, 2024
Saratoga County Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Average Tax Rate
1.62%
Estimate Property Tax Bill
$4,578
$4,527
Ownwell’s Saratoga County Property Tax Bill Calculator helps any homeowner, real estate investor, or potential owner to estimate their annual property taxes in Saratoga County with just 2 data points. Enter your property's estimated assessed value, and our calculator applies the median tax rate in Saratoga County to estimate your property tax bill. This insight helps you understand potential tax liabilities. If you’d like to see trends on a city level, scroll down to navigate to a more local informational page. Your property assessed value is the value assigned to your property by your county for property tax calculations. Assessed value takes into account any exemptions you may have on your property.
Property Tax Rates Across Saratoga County, New York
Property taxes in Saratoga County play a crucial role in funding essential local services like public schools, road maintenance, and emergency services. The median tax rate in Saratoga County is 1.62%, which is higher than the U.S. national median of 0.99%. Local government entities within Saratoga County set these rates annually, and they can vary significantly between different areas within the county. Each year, Saratoga County estimates its required budget to maintain services for the upcoming fiscal year, and divides this budget by the total value of all taxable property in the jurisdiction, resulting in the property tax rate. Although tax rates and budgets are influenced by laws and voter input, this calculation forms the basic process for setting property tax rates. The following data compares Saratoga County's effective property tax rate with other regions in New York and the national median. For comparison, the city of Charlton has one of the higher property tax rates in New York at 2.26%, while the city of Burnt Hills boasts one of the lowest at 0.40%. Analyzing how Saratoga County's tax rates stack up against these benchmarks can give homeowners a better understanding of the local tax landscape.
Average Saratoga County Tax Rate
1.62%
Average New York Tax Rate
2.39%
Average United States Tax Rate
0.99%
Property Tax Rates Across Saratoga County, New York
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Amsterdam | 0.38% | 1.22% | 1.50% | 1.66% | 1.71% |
| Ballston Lake | 0.39% | 0.47% | 1.74% | 1.88% | 2.02% |
| Ballston Spa | 0.49% | 1.45% | 1.76% | 1.93% | 2.02% |
| Broadalbin | 0.55% | 1.25% | 1.61% | 1.74% | 1.97% |
| Burnt Hills | 0.36% | 0.39% | 0.40% | 0.40% | 0.40% |
| Charlton | 2.26% | 2.26% | 2.26% | 2.26% | 2.26% |
| Clifton Park | 1.25% | 1.71% | 1.83% | 1.95% | 2.05% |
| Corinth | 0.83% | 1.32% | 1.76% | 2.03% | 2.10% |
| Edinburg | 0.74% | 0.78% | 0.86% | 0.94% | 0.98% |
| Fort Edward | 0.96% | 1.43% | 1.59% | 1.76% | 1.76% |
| Galway | 0.46% | 1.33% | 1.61% | 1.73% | 1.88% |
| Gansevoort | 0.34% | 0.48% | 1.32% | 1.54% | 1.77% |
| Greenfield Center | 0.95% | 1.37% | 1.51% | 1.58% | 1.60% |
| Hadley | 0.38% | 0.38% | 0.74% | 0.87% | 1.02% |
| Hagaman | 0.92% | 1.26% | 1.51% | 1.69% | 1.73% |
| Halfmoon | 1.01% | 1.73% | 1.90% | 2.02% | 2.19% |
| Malta | 0.70% | 1.43% | 1.58% | 1.79% | 1.86% |
| Mechanicville | 1.33% | 1.69% | 1.89% | 2.15% | 2.67% |
| Middle Grove | 0.88% | 1.39% | 1.58% | 1.73% | 1.88% |
| Northville | 0.48% | 0.67% | 0.74% | 0.74% | 1.14% |
| Porter Corners | 1.01% | 1.40% | 1.58% | 1.75% | 2.03% |
| Rexford | 1.30% | 1.71% | 1.83% | 1.96% | 2.32% |
| Rock City Falls | 1.22% | 1.57% | 1.76% | 1.93% | 1.93% |
| Round Lake | 1.55% | 1.97% | 2.19% | 2.24% | 2.33% |
| Saratoga Springs | 1.15% | 1.41% | 1.62% | 1.62% | 1.76% |
| Schenectady | 0.34% | 0.37% | 0.37% | 0.43% | 1.24% |
| Schuylerville | 1.01% | 1.54% | 1.83% | 1.99% | 2.47% |
| Scotia | 1.00% | 1.00% | 1.22% | 1.49% | 1.54% |
| South Glens Falls | 1.02% | 1.44% | 1.59% | 1.76% | 2.21% |
| Stillwater | 0.95% | 1.35% | 1.60% | 1.79% | 1.90% |
| Victory Mills | 0.73% | 1.41% | 1.90% | 1.92% | 3.00% |
| Waterford | 0.67% | 0.72% | 0.99% | 1.96% | 2.15% |
Source: Ownwell
Property Tax Assessment Values Across Saratoga County, New York
In Saratoga County, understanding the difference between "market value" and "assessed value" is key to comprehending property taxes. The market value represents the price a willing buyer would pay to a willing seller in an open, competitive market, considering location, property condition, and current economic trends. For tax purposes, this value is estimated by the Saratoga County Appraisal District. The assessed value, however, is the market value minus any applicable exemptions or limits based on local laws and available programs. The assessed value is then used to calculate your property taxes by multiplying it by the combined tax rates of all relevant taxing entities. Assessment notices in Saratoga County are typically mailed in the spring, usually by the middle of April. These notices provide homeowners with both the market and assessed values, along with an estimate of the annual property tax bill. By distinguishing between these valuation concepts, property owners can better navigate their tax responsibilities and understand how their property taxes are affected. Being aware of these valuation processes in Saratoga County will help you identify opportunities for appealing assessments or applying for exemptions to manage your tax burden more effectively. The highest median tax bill in the county is in Charlton at $9,323, while the lowest is in Hadley at $1,115.
Property Tax Assessment Values Across Saratoga County, New York
Source: Ownwell
$132,911
$259,274
$385,636
Average Saratoga County Assessed Value
$282,609
Average New York Assessed Value
$255,644
Average United States Assessed Value
$244,900
Property Tax Assessment Values Across Saratoga County, New York
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Amsterdam | $176,826 | $230,000 | $299,127 | $392,179 | $486,826 |
| Ballston Lake | $202,063 | $260,870 | $307,609 | $400,000 | $510,164 |
| Ballston Spa | $169,935 | $208,000 | $274,510 | $354,587 | $452,230 |
| Broadalbin | $65,312 | $122,402 | $199,778 | $281,334 | $372,731 |
| Burnt Hills | $201,941 | $231,541 | $283,541 | $368,656 | $471,817 |
| Charlton | $227,298 | $258,198 | $309,698 | $361,198 | $392,098 |
| Clifton Park | $169,130 | $250,000 | $300,108 | $409,620 | $510,371 |
| Corinth | $69,100 | $105,600 | $145,000 | $203,785 | $273,000 |
| Edinburg | $102,425 | $167,094 | $274,876 | $382,657 | $447,326 |
| Fort Edward | $55,200 | $188,000 | $240,000 | $300,000 | $348,000 |
| Galway | $93,729 | $154,000 | $218,254 | $302,834 | $393,155 |
| Gansevoort | $176,850 | $232,704 | $294,000 | $382,390 | $494,031 |
| Greenfield Center | $123,361 | $208,025 | $271,975 | $378,120 | $556,087 |
| Hadley | $54,471 | $100,679 | $162,396 | $266,394 | $398,249 |
| Hagaman | $125,278 | $165,222 | $238,556 | $323,444 | $399,600 |
| Halfmoon | $132,737 | $199,579 | $273,684 | $404,211 | $531,790 |
| Malta | $283,500 | $324,000 | $324,000 | $324,000 | $345,500 |
| Mechanicville | $152,000 | $187,000 | $262,000 | $412,421 | $512,421 |
| Middle Grove | $69,883 | $123,511 | $219,085 | $313,725 | $433,610 |
| Northville | $67,568 | $127,853 | $208,778 | $304,982 | $433,442 |
| Porter Corners | $80,810 | $156,899 | $240,564 | $303,887 | $377,392 |
| Rexford | $198,652 | $272,283 | $367,609 | $472,500 | $597,826 |
| Rock City Falls | $108,654 | $176,471 | $277,124 | $366,013 | $431,373 |
| Round Lake | $157,500 | $194,000 | $254,000 | $351,000 | $424,710 |
| Saratoga Springs | $237,636 | $293,818 | $385,636 | $536,182 | $715,672 |
| Schenectady | $136,133 | $228,016 | $313,968 | $451,012 | $577,810 |
| Schuylerville | $112,025 | $165,253 | $198,987 | $288,924 | $418,608 |
| Scotia | $105,000 | $132,306 | $141,000 | $164,861 | $237,166 |
| South Glens Falls | $143,000 | $166,000 | $197,000 | $232,000 | $283,000 |
| Stillwater | $131,579 | $177,632 | $225,000 | $309,211 | $460,526 |
| Victory Mills | $78,532 | $113,671 | $132,911 | $163,544 | $211,316 |
| Waterford | $158,389 | $195,842 | $244,048 | $310,842 | $409,519 |
Source: Ownwell
Property Tax Bills Across Saratoga County, New York
In Saratoga County, NY, property tax bills are calculated based on the assessed value of a home, which is determined by the local assessor's office. This assessed value is then multiplied by the local tax rate to generate the annual property tax bill. Several factors influence the assessed value, including the home's market value, location, and any improvements made to the property. Homeowners in Saratoga County experience a range of property tax bills. For example, the 25th percentile tax bill is around $2,376, while the 75th percentile tax bill reaches $6,310. The 90th percentile tax bill can be as high as $8,859. These figures highlight the variability in tax burdens based on property values and assessments. Compared to the national median property tax rate of 0.99%, Saratoga County's tax rates can significantly impact homeowners, particularly in areas like Charlton, where the highest median tax bill is $9,323. Conversely, Hadley offers some relief with the lowest median tax bill at $1,115. Understanding these factors can help homeowners anticipate their annual property tax obligations.
Average Saratoga County Tax Bill
$4,340
Average New York Tax Bill
$5,938
Average United States Tax Bill
$2,690
Property Tax Bills Across Saratoga County, New York
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Amsterdam | $1,225 | $2,686 | $3,974 | $5,721 | $7,256 |
| Ballston Lake | $958 | $1,634 | $5,026 | $6,468 | $8,486 |
| Ballston Spa | $1,404 | $3,141 | $4,457 | $6,027 | $7,954 |
| Broadalbin | $607 | $1,646 | $2,817 | $4,270 | $5,900 |
| Burnt Hills | $787 | $923 | $1,127 | $1,501 | $1,906 |
| Charlton | $9,323 | $9,323 | $9,323 | $9,323 | $9,323 |
| Clifton Park | $2,342 | $3,791 | $5,396 | $7,253 | $9,417 |
| Corinth | $835 | $1,447 | $2,337 | $3,595 | $4,929 |
| Edinburg | $889 | $1,320 | $2,038 | $2,756 | $3,188 |
| Fort Edward | $959 | $2,748 | $3,770 | $5,056 | $5,951 |
| Galway | $806 | $1,748 | $3,267 | $4,816 | $6,278 |
| Gansevoort | $816 | $1,406 | $3,616 | $5,195 | $6,900 |
| Greenfield Center | $1,403 | $2,610 | $3,914 | $5,636 | $8,356 |
| Hadley | $345 | $633 | $1,115 | $1,708 | $2,468 |
| Hagaman | $1,295 | $2,140 | $3,546 | $5,080 | $6,336 |
| Halfmoon | $1,689 | $3,090 | $4,983 | $7,556 | $10,245 |
| Malta | $1,874 | $3,940 | $4,871 | $5,815 | $6,410 |
| Mechanicville | $2,417 | $3,622 | $5,074 | $7,631 | $9,611 |
| Middle Grove | $834 | $1,663 | $3,145 | $4,891 | $6,864 |
| Northville | $367 | $800 | $1,456 | $2,373 | $3,804 |
| Porter Corners | $1,003 | $2,030 | $3,577 | $4,820 | $5,973 |
| Rexford | $2,668 | $4,581 | $6,730 | $8,897 | $11,765 |
| Rock City Falls | $1,736 | $2,800 | $4,477 | $6,648 | $8,331 |
| Round Lake | $1,755 | $3,958 | $5,102 | $7,496 | $8,800 |
| Saratoga Springs | $2,869 | $4,206 | $5,821 | $8,489 | $11,531 |
| Schenectady | $558 | $876 | $1,256 | $1,994 | $2,732 |
| Schuylerville | $1,285 | $2,550 | $3,779 | $5,340 | $7,569 |
| Scotia | $1,095 | $1,397 | $1,741 | $2,374 | $3,512 |
| South Glens Falls | $1,645 | $2,447 | $3,224 | $3,928 | $4,845 |
| Stillwater | $1,462 | $2,482 | $3,528 | $5,046 | $7,891 |
| Victory Mills | $640 | $1,644 | $2,327 | $3,443 | $4,592 |
| Waterford | $1,177 | $1,500 | $2,592 | $5,520 | $7,756 |
Source: Ownwell
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