Q: When are property taxes due for the current fiscal year?
A: Property tax bills are issued January 1st and due quarterly in January, April, July, and October. Town taxes are initially payable to local municipalities until April 30th, after which unpaid taxes are collected by Schenectady County.
Q: What tax credits are available and do they require application?
A: The primary credit is the STAR program, which reduces school taxes by $1,177.35 for eligible primary residences in FY 2025-2026. This requires annual application and has income limits. Veterans, senior citizens, and volunteer firefighters/ambulance workers may qualify for additional credits, all requiring separate applications.
Q: How does the STAR Homestead credit work?
A: STAR is a tax credit (not exemption) that directly reduces your school tax bill amount. You must apply annually, meet income requirements, and use the property as your primary residence. It does not reduce your assessed value but provides dollar-for-dollar tax bill reduction.
Q: How often are properties reassessed?
A: Schenectady County conducts periodic reassessments, with timing varying by municipality. You'll receive notice before any reassessment. You can appeal your assessment through the local Board of Assessment Review, typically with filing deadlines in May.
Q: What are the penalties for late payment?
A: Late payments incur interest and penalties as specified in New York Real Property Tax Law. Contact the Schenectady County Finance Department for current penalty rates and payment options for delinquent taxes.
Q: Can I pay property taxes online?
A: Yes, Schenectady County offers online payment options through their website. You can also pay by mail, in person, or through your mortgage lender's escrow account.
Q: What are special district taxes?
A: These are additional taxes for services like fire protection, street lighting, water, or sewer districts. Not all properties are subject to special districts - it depends on your specific location and the services available in your area.
Q: Who do I contact for questions about my tax bill?
A: Contact the Schenectady County Finance Department for payment questions or the local Assessor's office for assessment-related issues. Each municipality within the county may have different contacts for local tax components.
