Stillwater, Saratoga County, New York Property Taxes
Median Stillwater, NY effective property tax rate: 1.60%, significantly higher than the national median of 1.02%, but lower than the New York state median of 2.39%.
Median Stillwater, NY home value: $225,000
Median annual Stillwater, NY tax bill: $3,528, $1,128 higher than the national median property tax bill of $2,400.
How are property taxes in Saratoga calculated?
Property taxes in Stillwater, NY are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Stillwater’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Stillwater, knowing local tax details benefits homeowners and investors.
Last Updated March 1, 2025
Stillwater, Saratoga County, New York Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.6%
Estimate Property Tax Bill
$3,600
$3,341
Property Tax Rates Across Stillwater, Saratoga County, New York
Local government entities in New York set tax rates, which can vary widely across the state. Each county, including Saratoga, estimates its required budget annually to provide essential services. This budget is then divided by the total value of all taxable property within the county, resulting in the property tax rate. While votes and laws play a role in setting these rates and budgets, this is the fundamental process.
In Stillwater, the effective property tax rate is 1.60%, which aligns with the highest and lowest median tax rates in the state, both recorded in the same zip code, 12170. This rate is significantly higher than the national median property tax rate of 1.02%. When comparing Stillwater’s rate to the national average, it becomes clear that property owners in this region face a relatively higher tax burden.
Understanding the local tax landscape can help property owners better navigate their obligations and explore potential savings through appeals and exemptions. By staying informed about how rates are set and how they compare to state and national averages, property owners can make more strategic financial decisions.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Stillwater Tax Rate
1.60%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Saratoga County Tax Rate
1.62%
Median Effective New York Tax Rate
2.39%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Stillwater, Saratoga County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12170 | 0.95% | 1.35% | 1.60% | 1.79% | 1.90% |
Source: Ownwell
Property Tax Assessment Values Across Stillwater, Saratoga County, New York
When examining property taxes in Stillwater, NY, understanding the distinction between "market value" and "assessed value" is crucial. The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Saratoga County appraisal district estimates the market value for tax purposes. The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
In Saratoga County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of April. Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Stillwater.
For example, the median home price in Stillwater is $225,000, with tax bills ranging significantly across the county. Zip code 12170 has the highest median home price at $225,000.
Property Tax Assessment Values Across Stillwater, Saratoga County, New York
Source: Ownwell
$132,911
$259,274
$385,636
Median Stillwater Market Value
$225,000
Median Saratoga County Market Value
$282,609
Median New York Market Value
$255,644
Median United States Market Value
$235,294
Property Tax Assessment Values Across Stillwater, Saratoga County, New York
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12170 | $131,579 | $177,632 | $225,000 | $309,211 | $460,526 |
Source: Ownwell
Property Tax Bills Across Stillwater, Saratoga County, New York
In Stillwater, Saratoga County, NY, property tax bills are determined by assessing the market value of a home and applying the local tax rate. The median home price in this region is $225,000. Homeowners can expect a property tax bill that varies significantly based on factors like property size, location, and assessed value. The tax bill for the 25th percentile is $2,482, while those in the 75th percentile face a bill of $5,046. Meanwhile, the 90th percentile tax bill reaches $7,891. Compared to the national median property tax bill of $2,400, Stillwater's property tax bills are considerably higher. This can pose a financial burden on homeowners, especially if their property's assessed value is above average.
Ownwell offers valuable assistance by helping homeowners appeal their property tax assessments, potentially lowering their tax bills. By analyzing comparable properties and leveraging local tax laws, Ownwell can identify opportunities for savings, ensuring homeowners in Stillwater pay only their fair share of property taxes.
Median Stillwater Tax Bill
$3,528
Median Saratoga County Tax Bill
$4,340
Median New York Tax Bill
$5,938
Median United States Tax Bill
$2,400
Property Tax Bills Across Stillwater, Saratoga County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12170 | $1,462 | $2,482 | $3,528 | $5,046 | $7,891 |
Source: Ownwell