HonestCasa logoHonestCasa
Updated 2025 Tax Year

Oneida County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
1.4% to 2.5% of assessed value, varies by taxing district combination
Exemptions
6+ Available
Section 1

How Property Tax Works

Oneida County, New York operates a property tax system that funds essential county services, school districts, towns, villages, and special districts throughout the region. Property taxes are the primary revenue source for local governments, supporting services such as education, public safety, infrastructure maintenance, and county operations. The effective tax rate in Oneida County varies significantly by location, typically ranging from approximately 1.4% to over 2.5% of assessed value, depending on the combination of taxing jurisdictions in your specific area.

Property tax rates vary considerably within Oneida County due to the overlay of multiple taxing districts, including county taxes, school district taxes, town or city taxes, village taxes (where applicable), and special district assessments for services like fire protection, lighting, or water districts. For example, properties in the Village of Camden face a village tax rate of 26.0 per $1,000 of assessed value for FY 2025-26, while properties in the Village of Boonville have a rate of 12.617329 per $1,000. Your total property tax bill represents the sum of all applicable taxing jurisdictions for your property's location.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $1,000 assessed value)Description
County TaxVaries by town/cityFunds county operations, courts, sheriff, social services
School TaxVaries by districtFunds local school district operations and capital
Town/City TaxVaries by municipalityFunds municipal services, highways, parks
Village Tax9.690 - 26.0+Applied only to properties within village boundaries
Fire DistrictVaries by districtFire protection and emergency services
Special DistrictsVariesWater, sewer, lighting, or other special services

Rates shown are for Levy Year 2025-2026. Village tax rates shown include Boonville (12.617329), Camden (26.0), Clayville/Paris (13.812172), and Clinton/Kirkland (9.690). Actual total rates vary significantly based on your property's specific taxing jurisdictions and may range from under 20 per $1,000 to over 35 per $1,000 of assessed value.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Oneida 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 property taxes in Oneida County are additional tax bills issued when there are changes to property ownership, new construction, or significant improvements that increase assessed value during the tax year. These supplemental bills ensure that property taxes are properly allocated for the portion of the year after the change occurs. Common triggers include new home construction, major renovations, change of ownership that removes exemptions, or additions that increase square footage.

Supplemental taxes are calculated by determining the difference between the old and new assessed values, applying the current tax rate to that difference, and prorating for the remaining months in the tax year. For example, if you complete a $50,000 home addition in July that increases your assessed value by $50,000, and your combined tax rate is 25 per $1,000, you would owe an additional $1,250 annually, prorated to approximately $625 for the remaining six months of that tax year. The supplemental bill is typically issued within 60-90 days of the assessment change.

Example Calculation

Example 1: $300,000 Home in Town of Kirkland

  • Market Value: $300,000
  • Assessed Value (100%): $300,000
  • STAR Credit Applied: -$1,230 (requires application)
  • Net Taxable Value: $298,770
  • Estimated Tax Rate: 22.5 per $1,000
  • Annual Tax: $6,722
  • Monthly Escrow: $560

Example 2: $600,000 Home in Village of Clinton

  • Market Value: $600,000
  • Assessed Value (100%): $600,000
  • STAR Credit Applied: -$1,230 (requires application)
  • Enhanced STAR (if over 65): -$2,100 (requires application)
  • Net Taxable Value: $596,670
  • Estimated Tax Rate: 24.8 per $1,000
  • Annual Tax: $14,797
  • Monthly Escrow: $1,233

Example 3: $1,000,000 Home in Village of Camden

  • Market Value: $1,000,000
  • Assessed Value (100%): $1,000,000
  • STAR Credit Applied: -$1,230 (requires application)
  • Net Taxable Value: $998,770
  • Estimated Tax Rate: 32.2 per $1,000
  • Annual Tax: $31,760
  • Monthly Escrow: $2,647

All tax credits shown require annual application and are not automatic. Rates are estimates based on typical taxing jurisdiction combinations.

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 Oneida County require property tax escrow accounts for borrowers with less than 20% down payment or those who choose this option for convenience. Your lender collects approximately 1/12th of your annual property tax bill with each monthly mortgage payment, depositing these funds into an escrow account. The lender then pays your property tax bills directly to Oneida County when they become due on December 20th (first half) and June 20th (second half).

Lenders typically conduct annual escrow analyses to ensure adequate funds are collected, and may adjust your monthly payment if property taxes increase or decrease significantly. If your escrow account has a surplus over $50, federal law requires the lender to refund the excess or offer to apply it to the following year. You can verify your property tax payments by checking your mortgage statement or contacting your lender, and you should also monitor your tax bills directly from the county to ensure accurate payment timing and amounts.

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 Oneida County for FY 2025-2026? A: Property taxes are due in two installments: first half due December 20th and second half due June 20th. Taxes become delinquent after December 20th if the first installment is not paid.

Q: What tax credits are available and do I need to apply? A: The primary tax credit is the STAR program, which provides school tax relief. Basic STAR and Enhanced STAR (for seniors over 65) both require annual application and are not automatic. Veterans may qualify for additional exemptions that also require application.

Q: How does the STAR program work? A: STAR is a tax credit that reduces your school tax bill, not your assessed value. Basic STAR provides approximately $1,230 in annual school tax reduction, while Enhanced STAR for qualifying seniors provides around $2,100. You must apply annually through your local assessor's office.

Q: Is there a homestead exemption that caps assessment increases? A: New York does not have a statewide homestead exemption that caps assessment increases. However, seniors may qualify for a Senior Citizens Exemption that can reduce assessed value by up to 50% based on income limits. The current income limit in Oneida County was increased by $11,000 in 2023.

Q: How often are properties reassessed in Oneida County? A: Assessment practices vary by municipality within Oneida County. Some areas conduct annual assessments while others may reassess every few years. Contact your local assessor's office for your specific municipality's schedule.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with your local Board of Assessment Review, typically between May 1st and Grievance Day (usually the fourth Tuesday in May). Contact your town or city assessor's office for specific deadlines and forms.

Q: What are the penalties for late property tax payments? A: After December 20th, taxes become delinquent and interest charges apply. Continued non-payment can eventually lead to tax sale proceedings. Contact the Oneida County Treasurer's office for specific penalty rates and payment arrangements.

Q: Can I pay property taxes online? A: Contact the Oneida County Treasurer's office or your local tax collector to inquire about online payment options, as availability may vary by municipality within the county.

Q: Why do special district taxes appear on my bill? A: Special district taxes fund specific services like fire protection, street lighting, water, or sewer services. These districts are established to provide services to defined geographic areas, and property owners within those boundaries pay for the services through property tax assessments.

Q: How do village taxes work if I live in an incorporated village? A: Properties located within incorporated villages pay an additional village tax on top of county, school, and town taxes. Village tax rates for 2025-26 range from 9.690 per $1,000 (Clinton) to over 26.0 per $1,000 (Camden), depending on your specific village's budget and services provided.

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

Free • No credit check • 2-minute estimate