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County tax profile · 2026 · Census ACS + IRS data

Property Tax & Income in Herkimer County, New York

Herkimer County has an effective property tax rate of 2.10%. On the median home value of $147,700, that's roughly $3,107 per year. Median household income is $68,515.

Effective Property Tax Rate1
2.10%
median tax $3,107 ÷ median home $147,700
Median Home Value1
$147,700
owner-occupied
Median Household Income1
$68,515
per-capita $37,228
Est. Annual Tax on Median Home1
$3,107
at 2.10% effective rate

What you'll pay, at a glance

Property taxes are the largest local tax most homeowners pay. The effective rate measures the real tax bill as a share of home value — a more useful number than the nominal “mill rate,” because assessment practices vary county to county.

MetricHerkimer CountyNew York (state context)
Effective property tax rate12.10%2.04%
Median home value1$147,700—
State income tax3top rate 10.90%top rate 10.90%
State sales tax38.54% combined8.54% combined

How this is calculated

The effective property tax rate is the median real-estate tax bill divided by the median home value — both for owner-occupied homes, from the U.S. Census Bureau's American Community Survey (ACS 5-year estimates)1. Median income is also from the ACS1. Federal and state income-tax figures use IRS2 and Tax Foundation3 data.

About Herkimer County, NY

Herkimer County’s effective property tax rate of 2.104% sits slightly above New York’s statewide median of 2.040%, placing it 28th among the state’s 62 counties. That ranking lands the county in the middle of the pack within New York, though the gap with the rest of the country is stark: the national median effective rate is just 0.794%, meaning Herkimer County property owners face a rate roughly two and a half times the U.S. figure. A median home value of $147,700 produces an annual tax bill near $3,107. Households earning a median of $68,515 devote a meaningful share of income to that bill, while per-capita income stands at $37,228. Utica anchors the county as its largest city, and the surrounding towns of Cold Brook and Frankfort share the same rate structure. The picture is one of a county taxed above its state norm and far above the national baseline.

Frequently asked questions

What is the property tax rate in Herkimer County, NY?
The effective rate is 2.10% — meaning the median tax bill equals about 2.10% of the median home value.
How much are property taxes on a median home?
On the median home ($147,700), the estimated annual bill is about $3,107.
Is Herkimer County's rate high or low?
Compare it to the state median of 2.04% and the national average near 1.1%.
How does the effective rate differ from my mill rate?
A mill rate is the nominal levy per $1,000 of assessed value. The effective rate reflects what you actually pay after exemptions and assessments — it's the median tax bill as a share of median home value, so it better predicts your real cost.
Will a reassessment raise my tax bill?
Not necessarily. If your home's assessed value rises, your bill can go up, but only if the mill rate and exemptions stay flat. Contact the Herkimer County assessor's office to review your current assessment.
Can I appeal my property tax assessment?
Yes. Most counties allow an appeal when you believe the assessed value exceeds the market value. File with the Herkimer County assessor within the local deadline, typically with comparable sales as evidence.
Sources
[1] U.S. Census Bureau — ACS 5-Year (2023) — Median home value (B25077), median real-estate taxes (B25103), median household income (B19013), per-capita income (B19301).
[2] IRS — Statistics of Income — County income, AGI, and real-estate taxes paid.
[3] Tax Foundation — State income, sales, corporate, and estate/inheritance tax rates.