HonestCasa logoHonestCasa
All Tax Guides
Updated 2025 Tax Year

Fulton County
Property Tax Guide

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

10 Official Sources
8 min read
Calculate Your True CostMortgage Calculator
Quick Facts
Tax Rate
Varies by location - combines county, town/city, school district, and special district rates (NY state average ~1.4%)
Exemptions
6+ Available
Section 1

How Property Tax Works

Fulton County, New York operates under a property tax system that funds essential local services including schools, county operations, town/city services, and special districts. Property taxes are the primary revenue source for these governmental entities, with taxes collected based on assessed property values and varying tax rates across different jurisdictions within the county.

The effective property tax rate in Fulton County varies significantly by location due to the layered system of county, town/city, school district, and special district taxes. While New York State has an average property tax rate of approximately 1.4%, Fulton County rates can differ substantially depending on your specific location and the combination of taxing districts that apply to your property. Property owners should expect variations in their tax burden based on their municipality, school district, and any applicable special districts such as fire districts or lighting districts.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Per $1,000)Description
County Tax$11.20Base county services and operations (2025 rate)
Town/City TaxVariesMunicipal services, varies by jurisdiction
School TaxVariesLocal school district funding
Village TaxVariesVillage services (where applicable)
Fire DistrictVariesFire protection services
Special DistrictsVariesLighting, water, sewer districts as applicable

Note: The 2025 Fulton County tax rate was $11.20 per thousand of assessed value. 2026 rates are not yet finalized - check official county websites for updates. Total effective rates vary significantly by location within the county due to different combinations of school districts, municipalities, and special taxing districts that apply to each property.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Fulton 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 New York typically arise from reassessments, new construction, or property improvements that increase assessed value during the tax year. However, unlike some states, New York generally operates on an annual assessment cycle rather than issuing supplemental bills for mid-year changes.

When property improvements are made or reassessments occur, the changes are typically reflected in the following year's tax bill rather than through immediate supplemental assessments. Property owners who complete new construction or major improvements should expect their assessed value and subsequent tax bill to increase in the next assessment cycle. The county assessor reviews these changes and incorporates them into the annual assessment roll.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Less: STAR Credit (Basic): -$30,000 (estimated, requires application)
  • Net Taxable Value: $270,000
  • Annual Tax (at $35 per $1,000): $9,450
  • Monthly Escrow: $787.50

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Less: STAR Credit (Basic): -$30,000 (estimated, requires application)
  • Net Taxable Value: $570,000
  • Annual Tax (at $35 per $1,000): $19,950
  • Monthly Escrow: $1,662.50

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Less: STAR Credit (Enhanced for seniors): -$68,700 (estimated, requires application)
  • Net Taxable Value: $931,300
  • Annual Tax (at $35 per $1,000): $32,595.50
  • Monthly Escrow: $2,716.29

Note: Tax rate of $35 per $1,000 is illustrative - actual rates vary by location. All credits require annual application and income qualification.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most mortgage lenders in Fulton County require property tax escrow accounts for borrowers with less than 20% down payment. Lenders collect monthly tax payments along with principal and interest, depositing these funds into an escrow account. The lender then pays property taxes directly to Fulton County when due.

Property taxes in Fulton County are due March 31st annually, and lenders typically pay during this collection period. Homeowners should verify that their lender has current tax information and is collecting adequate escrow amounts. The lender must provide an annual escrow analysis showing collections, payments, and any required adjustments. If your escrow analysis shows a shortage, you can typically pay the shortage in full or spread it over 12 months of increased payments.

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 Fulton County property taxes due for 2026? A: Property taxes are due by March 31st. Payments can be made from January 1st through March 31st. Note that payments cannot be made during the first two weeks of April due to system transitions.

Q: What tax credits are available and do they require application? A: The STAR (School Tax Relief) program is the primary tax credit, requiring annual application and income qualification. Senior Citizens Exemptions and Veterans Exemptions are also available but must be applied for through the county assessor's office.

Q: How does the STAR program work? A: STAR provides a credit against school taxes only, not total property taxes. Basic STAR provides approximately $30,000 in assessed value relief, while Enhanced STAR for seniors can provide up to $68,700. You must apply annually and meet income requirements.

Q: When are properties reassessed in Fulton County? A: Assessment schedules vary by town within Fulton County. Contact your local assessor for your specific reassessment cycle. You can appeal assessments during the grievance period, typically in May.

Q: What are the penalties for late payment? A: Interest and penalties accrue on unpaid taxes after March 31st. Contact the county treasurer's office for current penalty rates and payment options for delinquent taxes.

Q: Can I pay property taxes online? A: Online payment options may be available through the county's website. Online payments must typically be made in full and by the due date. Check the official Fulton County website for current online payment portals.

Q: Why did my tax bill increase if my assessment stayed the same? A: Tax bills can increase due to higher tax rates even with unchanged assessments. School districts, municipalities, and special districts may increase their tax rates to fund services and operations.

Q: What special districts might affect my property taxes? A: Common special districts in Fulton County include fire districts, lighting districts, and water/sewer districts. These appear as separate line items on your tax bill and vary by property location within the county.

Verified Sources

Backed by 10 Official Government Sources

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

01
Tax Doc
Tax Ratesfultoncountyny.gov
02
Quorum Present Supervisors: Blackmon, Bradt, DeGifultoncountyny.gov
03
Tax Doc
Tax Rates - School.pdffultoncountyny.gov
04
Treasurer Paymentsfultoncountyny.gov
05
Tax Doc
Installment Payment of Delinquent Taxesfultoncountyny.gov
06
Pay Bills Onlinecityoffultonny.gov
07
State
state of new yorkfultoncountyny.gov
08
Homestead Exemptionsfultoncountyga.gov
09
County
Assessor - City of Gloversville | Fulton County, NYcityofgloversvilleny.gov
10
The City of Fultoncityoffultonny.gov
All sources verified as of 2025 Tax Year

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Run Your ScenarioTry Calculator

Free • No credit check • 2-minute estimate