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County tax profile · 2026 · Census ACS + IRS data

Property Tax & Income in Schoharie County, New York

Schoharie County has an effective property tax rate of 2.03%. On the median home value of $192,500, that's roughly $3,914 per year. Median household income is $70,133.

Effective Property Tax Rate1
2.03%
median tax $3,914 ÷ median home $192,500
Median Home Value1
$192,500
owner-occupied
Median Household Income1
$70,133
per-capita $38,809
Est. Annual Tax on Median Home1
$3,914
at 2.03% 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.

MetricSchoharie CountyNew York (state context)
Effective property tax rate12.03%2.04%
Median home value1$192,500—
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 Schoharie County, NY

Schoharie County's effective property tax rate of 2.033% sits just under New York's statewide median of 2.040%, a gap narrow enough that homeowners here pay about what the average New Yorker pays. Against the national median of 0.794%, however, the county's rate is more than two and a half times higher, a reflection of New York's broader reliance on property taxes to fund local services. Statewide, Schoharie ranks 32nd out of 62 counties, placing it squarely in the middle of the pack. A median home value of $192,500 produces an annual tax bill of $3,914, set against a median household income of $70,133 and per-capita income of $38,809. Communities like Carlisle, Central Bridge, and Fultonham share this tax landscape, meaning buyers in any of them should expect bills consistent with the countywide pattern rather than dramatic local variation.

Frequently asked questions

What is the property tax rate in Schoharie County, NY?
The effective rate is 2.03% — meaning the median tax bill equals about 2.03% of the median home value.
How much are property taxes on a median home?
On the median home ($192,500), the estimated annual bill is about $3,914.
Is Schoharie 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 Schoharie 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 Schoharie 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.