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Updated 2025 Tax Year

Schoharie County
Property Tax Guide

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

9 Official Sources
8 min read
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Quick Facts
Tax Rate
1.0% to 1.4% of assessed value, varies by municipality and special districts
Exemptions
5+ Available
Section 1

How Property Tax Works

Schoharie County, New York operates under a property tax system that funds essential local services including schools, county operations, town services, and special districts. Property taxes are the primary revenue source for these governmental entities, with tax bills reflecting a combination of county, town, school district, and any applicable special district levies. The effective tax rate in Schoharie County varies by municipality but averages around 1.0% to 1.4% of assessed value.

Property tax rates vary significantly within Schoharie County depending on your specific location and the special taxing districts that serve your property. These may include fire districts, library districts, water districts, and other municipal service areas. Each property owner receives a tax bill that reflects their unique combination of applicable tax rates. The county uses a market value assessment system, with properties typically assessed at a percentage of their full market value as determined by local assessors.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $1,000)Description
County TaxVaries by townFunds county services, sheriff, courts, roads
Town TaxVaries by townLocal municipal services, highways, administration
School TaxVaries by districtK-12 education, transportation, facilities
Village Tax10.044 (Village of Schoharie)Municipal services for incorporated villages
Fire DistrictVaries by districtFire protection and emergency services
Library DistrictVaries by districtPublic library operations and services
Water/SewerVaries by districtWater treatment and distribution

Rates shown are for FY 2025. The Village of Schoharie rate of 10.044 per $1,000 of assessed value is based on official 2025 tax documents. Actual combined rates vary by specific location within the county based on applicable special districts.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Schoharie 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 Schoharie County are additional property tax assessments that occur when there are changes to property ownership, value, or classification during the tax year. The most common triggers include new construction completion, major improvements, property transfers that trigger reassessment, or corrections to existing assessments. When a supplemental assessment is issued, it covers the period from when the change became effective through the end of the current tax year.

The supplemental tax calculation is based on the difference between the old and new assessed values, multiplied by the applicable tax rate for that time period. For example, if a home improvement project adds $50,000 to your assessed value and is completed in July, you would owe supplemental taxes on that $50,000 increase for the remaining months of the tax year at your combined municipal tax rate.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (assuming 100%): $300,000
  • Less: STAR Exemption (application required): -$30,000
  • Net Taxable Value: $270,000
  • Annual Tax (at 1.2% combined rate): $3,240
  • Monthly Escrow: $270

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value: $600,000
  • Less: STAR Exemption (application required): -$30,000
  • Net Taxable Value: $570,000
  • Annual Tax (at 1.2% combined rate): $6,840
  • Monthly Escrow: $570

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value: $1,000,000
  • Less: Enhanced STAR for seniors (application required): -$68,700
  • Net Taxable Value: $931,300
  • Annual Tax (at 1.2% combined rate): $11,176
  • Monthly Escrow: $931

Note: STAR exemptions reduce assessed value and require annual application. Rates vary by specific tax districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Schoharie County require borrowers to maintain an escrow account for property taxes, especially when the loan-to-value ratio exceeds 80%. Your monthly mortgage payment includes a portion that goes into this escrow account, which the lender uses to pay your property taxes when they become due. Lenders typically collect 1/12th of your annual tax bill each month, plus a cushion of up to two months' worth of taxes as required by federal law.

The lender pays your taxes directly to the appropriate tax collectors in Schoharie County, including town collectors for town/county taxes and school district collectors for school taxes. You should receive an annual escrow statement showing all deposits and payments made on your behalf. It's important to review your tax bills even when paid through escrow to ensure accuracy and to verify that all applicable tax credits have been properly applied to your account.

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 Schoharie County? A: Town and county taxes are due by January 31st annually without penalty. School taxes have a separate due date of November 30th. Bills are typically mailed on January 1st for town/county taxes.

Q: What tax credits are available and do they require applications? A: The primary tax credit is the STAR program, which provides school tax relief and requires annual application. Senior citizens and veterans may qualify for additional exemptions, but these also require separate applications with documentation.

Q: What happens if I pay my taxes late? A: Taxes paid after January 31st for town/county taxes incur penalties. If taxes remain unpaid after the local collector's warrant expires (late May/early June), you must pay the County Treasurer's Office as local collectors can no longer accept payments.

Q: How does the STAR program work? A: STAR provides an exemption that reduces your assessed value for school tax purposes only. Basic STAR is available to all homeowners, while Enhanced STAR provides larger savings for senior citizens with income limitations. Applications are required annually.

Q: Can I pay my property taxes online? A: Payment options vary by municipality within Schoharie County. Contact your specific town or village tax collector to inquire about online payment options and accepted payment methods.

Q: How often are properties reassessed in Schoharie County? A: Reassessment schedules vary by municipality within the county. Some towns conduct annual updates while others may reassess every few years. Contact your local assessor's office for specific timing in your area.

Q: How do I appeal my property assessment? A: File a complaint with your local Board of Assessment Review during their designated hearing period, typically in May. You must file within the specified timeframe and provide evidence supporting your claim that the assessment is incorrect.

Q: What special districts might affect my tax bill? A: Common special districts in Schoharie County include fire protection districts, library districts, water districts, sewer districts, and lighting districts. Your tax bill will itemize all applicable district charges based on your property's location.

Verified Sources

Backed by 9 Official Government Sources

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

01
Town of Sharon 2025 Final Budgetwww4.schohariecounty-ny.gov
02
2025 final STAR credit and exemption savings amountstax.ny.gov
03
Tax Doc
Tax Rate Data Spreadsheet - NY.Govtax.ny.gov
04
Tax Doc
Tax Informationschohariecounty-ny.gov
05
Assessment Calender and Assessor Informationschohariecounty-ny.gov
06
Executive Ordercortlandcountyny.gov
07
Economic Assistanceschohariecounty-ny.gov
08
Bill Search and Legislative Informationassembly.state.ny.us
09
NYSA Finding AID discovery - Finding Aid Searchfindingaids.nysed.gov
All sources verified as of 2025 Tax Year

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