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Updated 2025 Tax Year

Chenango County
Property Tax Guide

Everything you need to know about property taxes in Chenango County, NY. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
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Quick Facts
Tax Rate
20.0235 per $1,000 assessed value (county rate only), total rates vary significantly by municipality and school district
Exemptions
6+ Available
Section 1

How Property Tax Works

Chenango County, New York operates on an assessment-based property tax system that funds essential county services, school districts, and municipal operations. Property taxes are the primary revenue source for local government services including education, public safety, infrastructure maintenance, and social services. The county uses a market value assessment approach with properties reassessed periodically to maintain equitable taxation.

Property tax rates in Chenango County vary significantly by location within the county due to different combinations of taxing jurisdictions including the county, towns, villages, school districts, and special districts. For the 2025 tax year, the county general tax rate is 20.0235 per $1,000 of assessed value, but total effective rates typically range from 1.2% to 2.5% of market value when all taxing jurisdictions are combined. Homeowners should note that their actual tax rate depends on their specific location and the overlay of multiple taxing districts that serve their property.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $1,000)Description
County General20.0235FY 2025 county operations, services
School DistrictVariesLocal school district taxes (varies by district)
Town/VillageVariesMunicipal services (varies by municipality)
Special DistrictsVariesFire, water, sewer districts as applicable

Note: The rates shown are for fiscal year 2025. Total effective rates vary significantly by location within Chenango County due to different combinations of school districts, municipalities, and special taxing districts. The county also imposes a mortgage recording tax of $0.25 per $100 of mortgage value. Property owners should verify their specific tax rate combination based on their exact location and applicable taxing jurisdictions.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Chenango County, property taxes are due in two installments:

Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Chenango County are triggered when there are changes to property ownership, new construction, or improvements that increase assessed value after the assessment roll is finalized. These supplemental assessments capture the difference between the old and new assessed values for the portion of the tax year following the change.

Supplemental taxes are calculated by applying the current tax rate to the difference in assessed value, prorated for the remaining months in the tax year. For example, if a $100,000 addition is completed in January and the total tax rate is $25 per $1,000 of assessed value, the supplemental tax would be approximately $2,500 ($100,000 ÷ 1,000 × $25) for that tax year. Property owners typically receive a separate supplemental tax bill within 30-60 days after the county assessor processes the change.

Example Calculation

$300,000 Property:

  • Assessed Value: $300,000
  • STAR Basic Credit Applied: -$701 (requires application)
  • Net Taxable Value: $299,299
  • Annual Tax (at $25/$1,000): $7,482
  • Monthly Escrow: $624

$600,000 Property:

  • Assessed Value: $600,000
  • STAR Basic Credit Applied: -$701 (requires application)
  • Net Taxable Value: $599,299
  • Annual Tax (at $25/$1,000): $14,982
  • Monthly Escrow: $1,249

$1,000,000 Property:

  • Assessed Value: $1,000,000
  • No STAR Credit (income limits apply)
  • Net Taxable Value: $1,000,000
  • Annual Tax (at $25/$1,000): $25,000
  • Monthly Escrow: $2,083

Note: Examples use estimated combined tax rate. Actual rates vary by location. All tax credits require annual application and income/eligibility verification.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Chenango County require property tax escrow accounts for borrowers with less than 20% down payment or upon borrower request. Lenders collect monthly escrow payments equal to 1/12th of the annual property tax bill plus a cushion amount (typically 2 months). The escrow account accumulates funds throughout the year to pay property taxes when due on July 1st.

Lenders are responsible for making timely tax payments from escrow accounts and must provide annual escrow statements showing collections, payments, and account balances. Property owners should verify that their lender has current mailing addresses for tax bills and monitor that payments are made on time. If property taxes increase due to reassessment or rate changes, lenders will adjust monthly escrow payments and may require a one-time payment to cover shortfalls. Property owners can request escrow account removal once they reach 20% equity, subject to lender approval and good payment history.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Chenango County for FY 2025? A: Property taxes are due by July 1, 2025. This is both the final roll date and the payment deadline.

Q: What tax credits are available and do they require applications? A: The primary tax credit is the STAR program (School Tax Relief) which requires annual application. Basic STAR provides credits ranging from $473 to $790 depending on school district. Enhanced STAR for seniors provides higher credits from $1,178 to $1,792. All credits require income verification and must be applied for - they are not automatic.

Q: How does the Homestead credit work? A: New York's property tax cap limits assessment increases to 2% annually or the inflation rate, whichever is lower, for primary residences. This caps assessment growth rather than reducing market value and requires filing to maintain eligibility.

Q: When are properties reassessed and how do I appeal? A: Properties have a taxable status date of March 1 and valuation date of July 1. Tentative rolls are published by May 1, with Grievance Day held on the 4th Tuesday in May for appeals.

Q: What are the penalties for late payment? A: Late payment penalties and interest charges apply after the July 1 deadline. Contact the county treasurer's office for specific penalty rates and collection procedures.

Q: Can I pay property taxes online? A: Contact the Chenango County Treasurer's office to verify available online payment options and accepted payment methods.

Q: Are veterans or seniors eligible for additional exemptions? A: Yes, New York offers Veterans Exemptions and Senior Citizens Exemptions that reduce assessed value. These require separate applications with documentation of military service or age/income qualification.

Q: How do special district taxes work? A: Properties may be subject to additional taxes from fire districts, water districts, or sewer districts. These appear as separate line items on tax bills and rates vary by district boundaries.

Verified Sources

Backed by 10 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
County
Chenango County Tax Rateschenangocountyny.gov
02
Tax Doc
Changes to the Mortgage Recording Tax Rates Affecting ...tax.ny.gov
03
town of chenango 2025 preliminary budgettownofchenangony.gov
04
County
Assessment Dates | Chenango County, NYchenangocountyny.gov
05
County
Deadline to switch to STAR by municipality: Chenango Countytax.ny.gov
06
Tax Doc
Property Tax Due Datesnyc.gov
07
Maximum 2025–2026 STAR exemption savings by municipalitytax.ny.gov
08
New York's Agricultural Districtschenangocountyny.gov
09
Tax Doc
Property tax exemptions - Tax.NY.govtax.ny.gov
10
County
COUNTY OF CHENANGOchenangocountyny.gov
All sources verified as of 2025 Tax Year

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