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Updated 2025 Tax Year

Tioga County
Property Tax Guide

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

10 Official Sources
8 min read
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Quick Facts
Tax Rate
$6.92 per $1,000 of taxable assessed value (varies by district)
Exemptions
5+ Available
Section 1

How Property Tax Works

Tioga County, New York operates on a property tax system that funds essential county services, school districts, and local municipalities. Property taxes are the primary revenue source for local government operations, including education, public safety, infrastructure maintenance, and various county services. The county assesses properties based on market value, with taxes calculated using a rate per $1,000 of taxable assessed value.

Property tax rates in Tioga County vary significantly by location within the county due to different special taxing districts, school districts, and municipal boundaries. The combined composite tax rate for 2025 is $6.92 per $1,000 of taxable value, though individual property owners may pay different effective rates depending on their specific tax district combinations. The actual tax burden also depends on available tax credits and exemptions, most of which require separate applications and are not automatically applied to your property tax bill.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $1,000)Description
County TaxVariableTioga County general operations and services
School TaxVariableLocal school district funding (largest component)
Town/City TaxVariableMunicipal services for incorporated areas
Fire DistrictVariableLocal fire protection services where applicable
Special DistrictsVariableWater, sewer, lighting districts where applicable
Combined Rate (2025)$6.92Composite rate for average property

Note: These rates apply to the 2025 tax levy year. Actual rates vary by specific location within Tioga County based on which combination of taxing districts apply to your property. The STAR program provides school tax relief but requires separate application.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Tioga 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 Tioga County are additional property tax bills issued when there are changes to a property's assessment during the tax year. Common triggers include new construction, property improvements, ownership transfers that result in reassessment, or corrections to previous assessments. When the Tioga County Real Property Office identifies these changes, they calculate the additional tax owed based on the difference between the old and new assessed values.

For example, if you complete a home addition worth $50,000 in assessed value mid-year, you would receive a supplemental tax bill for the remaining months of the tax year. Using the $6.92 per $1,000 rate, this would result in an additional $346 annually ($50,000 ÷ 1,000 × $6.92), prorated for the remaining tax period from when the improvement was completed.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Basic STAR Credit Applied: -$30,000 (estimated, requires application)
  • Net Taxable Value: $270,000
  • Annual Tax: $270,000 ÷ 1,000 × $6.92 = $1,868
  • Monthly Escrow: $156

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Basic STAR Credit Applied: -$30,000 (requires application)
  • Net Taxable Value: $570,000
  • Annual Tax: $570,000 ÷ 1,000 × $6.92 = $3,944
  • Monthly Escrow: $329

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Basic STAR Credit Applied: -$30,000 (requires application)
  • Net Taxable Value: $970,000
  • Annual Tax: $970,000 ÷ 1,000 × $6.92 = $6,712
  • Monthly Escrow: $559

Note: STAR and other tax credits require separate applications and are not automatically applied. Actual rates may vary based on your specific tax districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Tioga County require borrowers to maintain an escrow account for property tax payments. Your lender collects monthly payments equal to 1/12th of your estimated annual property tax bill and holds these funds in a separate escrow account. The lender then makes tax payments directly to Tioga County on your behalf according to the established payment schedule.

Property tax payments in Tioga County are typically made in installments throughout the year, with periods covered March 1-May 31 (due by May 21), June 1-August 31 (due by September 21), and September 1-November 30 (due by December 21). Your lender will adjust escrow payments annually based on actual tax bills and any changes in assessment or tax rates. You should receive an annual escrow analysis from your lender showing the account activity and any required payment adjustments for the coming year.

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 Tioga County for 2025? A: Property taxes are due in three installments: May 21 (covering March 1-May 31), September 21 (covering June 1-August 31), and December 21 (covering September 1-November 30). For 2026, there's an additional due date of February 1.

Q: What tax credits are available and do I need to apply? A: The STAR program provides school tax relief and requires a separate application. Senior Citizens Exemptions and Veterans Exemptions are also available but require individual applications. These are not automatically applied to your property.

Q: How does the STAR program work? A: STAR is a tax credit that reduces your school tax burden, not your assessed value. It requires annual application or registration with New York State, and the credit amount is applied directly to reduce your school tax portion of the property tax bill.

Q: How often are properties reassessed in Tioga County? A: Assessment schedules vary by municipality within Tioga County. Contact the Tioga County Real Property Office for your specific area's reassessment schedule and appeal process information.

Q: What are the penalties for late payment? A: Late payments incur interest and penalty charges. Contact the Tioga County Treasurer's office for specific penalty rates and payment options if you miss a due date.

Q: Can I pay my property taxes online? A: Check with the Tioga County Treasurer's office for available online payment options, as services may vary by municipality within the county.

Q: Why did my property tax bill increase by 2.25% in 2025? A: The real property tax levy for 2025 increased by $591,210, representing a 2.25% increase over 2024 as allowable by the New York State Comptroller's Office tax cap regulations.

Q: What should I do if I think my assessment is wrong? A: You can file an assessment appeal with your local Board of Assessment Review. There are specific deadlines and procedures for appeals, so contact the Tioga County Real Property Office promptly if you believe your assessment is incorrect.

Verified Sources

Backed by 10 Official Government Sources

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

01
County
TIOGA COUNTY 2025 TENTATIVE BUDGET BRIEFtiogacountyny.gov
02
2025 Tentative Budgettiogacountyny.gov
03
2025 Adopted Budgettiogacountyny.gov
04
County
Tioga County, New York Government - Treasurertiogacountyny.gov
05
County
Deadline to switch to STAR by municipality: Tioga Countytax.ny.gov
06
County
TIOGA COUNTY, NEW YORK - Treasurersth.tiogacountyny.gov
07
SHORT TITLE SECTION IV: REAL PROPERTY EXEMPTIONtiogacountyny.gov
08
County
Tioga County, New York Government - Local Laws Pagetiogacountyny.gov
09
County
Tioga County, New York Government - County Clerktiogacountyny.gov
10
FINANCIAL REPORT For the Year Ended December 31, ...tiogacountyny.gov
All sources verified as of 2025 Tax Year

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