HonestCasa logoHonestCasa
Updated 2025 Tax Year

Rockland County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
2.5%-4.0% effective rate (varies by municipality and districts)
Exemptions
5+ Available
Section 1

How Property Tax Works

Rockland County property taxes fund essential local services including schools, county operations, municipal services, and special districts. The property tax system operates through a combination of county-wide assessments and local municipal tax rates that vary significantly by location within the county. Property owners pay taxes to multiple entities: the county, their local municipality (town or city), school districts, and any applicable special districts such as fire districts or library districts.

The effective tax rate in Rockland County typically ranges from 2.5% to 4.0% of market value, depending on your specific location and the combination of taxing jurisdictions that apply to your property. For the 2025 tax year, Rockland County implemented a 2% reduction in the county portion of property taxes. However, your total tax bill will depend on rates set by your school district, municipality, and special districts, which can vary significantly across the county's five towns (Clarkstown, Haverstraw, Orangetown, Ramapo, and Stony Point) and various incorporated villages.

Section 2

What Makes Up Your Tax Bill

ComponentApproximate Rate RangeDescription
County Tax0.3% - 0.5%Rockland County services, reduced 2% for 2025
School Tax1.5% - 2.8%Local school district operations and capital
Municipal Tax0.4% - 0.8%Town/city and village services
Special Districts0.1% - 0.4%Fire districts, library districts, lighting districts
Total Effective Rate2.3% - 4.5%Combined rate varies by specific location

Rates shown are for FY 2025 and represent approximate ranges. Actual rates vary significantly by specific taxing jurisdictions within Rockland County. Properties may be subject to additional special assessments or benefit districts not reflected in these base rates.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Rockland 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 Rockland County are triggered by changes in property ownership, new construction, or significant property improvements that increase assessed value during the tax year. When these events occur, the assessor calculates additional taxes based on the increased assessed value, prorated for the remaining months in the current tax year.

For example, if you purchase a home in June that was previously assessed at $400,000 but sells for $600,000, the assessor may increase the assessed value to reflect the sale price. The supplemental tax would be calculated on the $200,000 increase in assessed value, multiplied by your local tax rate, then prorated for July through the following June (12 months). If your combined tax rate is 3.2%, the annual increase would be $6,400, resulting in a prorated supplemental bill. Supplemental tax bills are typically issued 30-60 days after the triggering event and have their own payment due dates separate from regular installments.

Example Calculation

Example 1: $300,000 Home with Basic STAR Credit

  • Market Value: $300,000
  • Assessed Value: $300,000
  • Less: Basic STAR Credit: -$2,497
  • Net Taxable Value: $297,503
  • Tax Rate: 3.2% → Annual Tax: $9,520
  • Monthly Escrow: $793

Example 2: $600,000 Home with Enhanced STAR Credit (Senior)

  • Market Value: $600,000
  • Assessed Value: $600,000
  • Less: Enhanced STAR Credit: -$2,986
  • Net Taxable Value: $597,014
  • Tax Rate: 3.5% → Annual Tax: $20,895
  • Monthly Escrow: $1,741

Example 3: $1,000,000 Home with Veterans Exemption

  • Market Value: $1,000,000
  • Assessed Value: $1,000,000
  • Less: Veterans Exemption: -$54,000 (assessed value reduction)
  • Less: Basic STAR Credit: -$2,497
  • Net Taxable Value: $943,503
  • Tax Rate: 3.8% → Annual Tax: $35,853
  • Monthly Escrow: $2,988

All credits and exemptions require separate applications and are not automatically applied. Contact your local assessor's office for application forms and deadlines.

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 Rockland County require property tax escrow accounts for loans with less than 20% down payment. Your lender collects 1/12 of your estimated annual property tax bill with each monthly mortgage payment, plus an initial escrow deposit at closing typically equal to 2-4 months of taxes. The lender maintains this escrow account and pays your property taxes directly to the tax collector when installments are due.

Rockland County property taxes are typically paid in quarterly installments due April 15, July 15, October 15, and January 15, though specific due dates may vary by municipality. Your lender will receive tax bills and payment notices directly. You should receive an annual escrow analysis showing the account balance, payments made, and any required adjustments to your monthly escrow payment. If property taxes increase significantly due to reassessment or rate changes, your lender may require an immediate escrow shortage payment or increase your monthly payment to rebuild the account balance.

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 Rockland County for FY 2025? A: Property taxes are generally due in quarterly installments: April 15, July 15, October 15, and January 15. However, due dates can vary by municipality, so check with your local tax collector for exact dates.

Q: What tax credits are available and do I need to apply? A: The main credit is the STAR program, which provides school tax relief. Basic STAR provides approximately $2,497 in credit, while Enhanced STAR for seniors provides up to $2,986. You must apply separately for STAR credits - they are not automatic. Applications are typically due by the taxable status date (usually March 1).

Q: How does the STAR Homestead credit work? A: The STAR credit is applied directly to reduce your school tax bill, not your assessed value. It caps assessment increases for school tax purposes and requires annual income verification. You must file a renewal application to maintain eligibility.

Q: What other exemptions require applications? A: Veterans exemptions, Senior Citizens exemptions, and disability exemptions all require separate applications with specific documentation. Contact your town assessor's office for forms and deadlines, which are typically due by the taxable status date.

Q: How often are properties reassessed in Rockland County? A: Assessment practices vary by municipality within Rockland County. Most towns conduct periodic revaluations every 3-6 years, with annual updates for new construction and property transfers. Check with your local assessor for your area's reassessment schedule.

Q: How do I appeal my property assessment? A: File a complaint with your local Board of Assessment Review (BAR) by the deadline, typically in late May. If unsuccessful, you can appeal to Small Claims Assessment Review (SCAR) or Article 7 court proceedings.

Q: What are the penalties for late property tax payments? A: Late payments typically incur penalties of 1-2% per month, plus interest charges. Specific penalty rates and grace periods vary by municipality. Unpaid taxes can result in tax liens and eventual foreclosure proceedings.

Q: Can I pay property taxes online? A: Most Rockland County municipalities offer online payment options through their websites or third-party providers. Contact your local tax collector for available payment methods and any associated convenience fees.

Q: Why do tax rates vary within Rockland County? A: Property owners pay taxes to multiple jurisdictions: county, town/city, school district, and special districts (fire, library, lighting). The combination of these rates varies significantly depending on your exact location within the county.

Q: When do I need to switch from Basic to Enhanced STAR? A: Enhanced STAR is for senior citizens (65+) with qualifying income levels. The deadline to switch varies by municipality but is typically two weeks prior to July 1. In some areas like parts of Clarkstown, specific deadlines may differ, so contact your local assessor's office for exact dates.

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