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Updated 2025 Tax Year

Warren County
Property Tax Guide

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

9 Official Sources
8 min read
Quick Facts
Tax Rate
Average 1.4% of assessed value - varies significantly by school district, municipality, and special districts
Exemptions
6+ Available
Section 1

How Property Tax Works

Warren County, New York operates under a property tax system that funds essential local services including schools, county operations, municipal services, and special districts. Property taxes are the primary revenue source for these services, with the effective tax rate averaging around 1.4% of assessed value, though this varies significantly by location within the county.

The county uses a real property tax system where your tax bill is determined by your property's assessed value multiplied by the applicable tax rates for your specific location. Actual tax rates vary considerably throughout Warren County due to different combinations of school districts, municipal boundaries, and special taxing districts such as fire districts, water districts, and lighting districts. Property owners should note that New York State does not impose an assessment cap, meaning assessed values can increase without limitation based on market conditions and reassessment cycles.

Section 2

What Makes Up Your Tax Bill

ComponentApproximate RateDescription
County Tax$3.50-4.50 per $1,000Warren County general operations, services
School Tax$18.00-25.00 per $1,000Local school district operations (varies by district)
Town/City Tax$2.00-6.00 per $1,000Municipal services, varies by municipality
Fire District$0.50-2.00 per $1,000Fire protection services (where applicable)
Special Districts$0.25-1.50 per $1,000Water, sewer, lighting districts (varies)

Rates shown are approximate for levy year 2024-2025 and vary significantly by specific location within Warren County. Special taxing districts create substantial variation in total tax rates between properties in different areas of the county. Contact Warren County Real Property Tax Services for exact rates applicable to your property location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Warren 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 Warren County are additional property tax assessments that occur when there are changes to a property's assessed value during the tax year. Common triggers include new construction completion, major improvements, subdivision of property, or correction of assessment errors. When a supplemental assessment is issued, it creates a pro-rated tax bill for the remaining months in the current tax year.

For example, if you complete a $100,000 home addition in March that increases your assessed value by $80,000, and your total tax rate is $25 per $1,000 of assessed value, you would owe a supplemental tax of approximately $1,667 for the remaining 10 months of that tax year ($80,000 ÷ 1,000 × $25 × 10/12 months). Supplemental tax bills are typically issued within 60-90 days of the triggering event and have their own payment deadlines separate from regular property tax bills.

Example Calculation

Example 1: $300,000 Property Value

  • Assessed Value: $300,000
  • STAR Credit Applied: -$500 (requires application)
  • Net Taxable Value: $299,500
  • Tax Rate: $24.50 per $1,000
  • Annual Tax: $7,338
  • Monthly Payment: $612

Example 2: $600,000 Property Value

  • Assessed Value: $600,000
  • STAR Credit Applied: -$500 (requires application)
  • Senior Citizens Credit: -$300 (if qualified, requires application)
  • Net Taxable Value: $599,200
  • Tax Rate: $26.00 per $1,000
  • Annual Tax: $15,579
  • Monthly Payment: $1,298

Example 3: $1,000,000 Property Value

  • Assessed Value: $1,000,000
  • STAR Credit Applied: -$500 (requires application)
  • Net Taxable Value: $999,500
  • Tax Rate: $28.50 per $1,000
  • Annual Tax: $28,486
  • Monthly Payment: $2,374

All tax credits shown require separate applications and are not automatically applied. Rates vary by specific location within Warren County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Warren County require property tax escrow accounts for borrowers with less than 20% down payment. Your lender collects monthly tax payments as part of your mortgage payment and pays your property taxes directly to Warren County when due. The lender typically collects 1/12th of your annual tax bill each month, plus maintains a cushion of 1-2 months of payments.

Escrow accounts are analyzed annually, usually in the fall, and your monthly payment may be adjusted based on actual tax bills and account balance. If your taxes increase significantly, you may receive a shortage notice requiring additional payments. Property owners with escrow accounts should verify that their lender has paid taxes on time by checking with Warren County Real Property Tax Services, as the property owner remains ultimately responsible for payment even when using escrow. You can typically access your tax payment history and verify payments through the county's online portal.

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 Warren County property taxes due for the current fiscal year? A: Property taxes are due July 31, 2025 for the current tax year. Payment deadlines may vary slightly by municipality, so verify with your local tax collector.

Q: What tax credits are available and do I need to apply? A: The STAR program provides school tax relief and requires application. Senior Citizens Exemption and Veterans Exemption are also available but require separate applications. None of these credits are automatic - you must apply for each program you wish to use.

Q: How does the STAR Homestead credit work? A: STAR provides a credit against school taxes, not a reduction in assessed value. You must apply annually or register for Enhanced STAR (for seniors) through New York State. The credit amount is fixed and applied directly to reduce your school tax portion of the bill.

Q: When can I apply for tax credits and exemptions? A: The exemption application deadline is March 1st in most Warren County municipalities. Contact your local Town Assessor's Office for specific deadlines and application forms for your area.

Q: How often are properties reassessed in Warren County? A: Reassessment schedules vary by municipality within Warren County. Some towns reassess annually while others may reassess every few years. Contact your local assessor's office for your specific reassessment cycle.

Q: What happens if I pay my property taxes late? A: Late payments incur penalties and interest charges. After July 31st deadline, delinquent taxes may be subject to additional fees and potential tax lien proceedings. Contact Warren County Real Property Tax Services immediately if you cannot meet the payment deadline.

Q: Can I pay my Warren County property taxes online? A: Online payment options vary by municipality within Warren County. Check with your local tax collector's office or visit the Warren County website for available electronic payment methods for your specific location.

Q: Why do property tax rates vary within Warren County? A: Tax rates differ based on your specific combination of taxing jurisdictions - county, school district, town/city, and special districts like fire, water, or lighting districts. Properties in different areas have different combinations of these districts, creating rate variations.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with your local Board of Assessment Review, typically by Grievance Day in May. Contact your municipal assessor's office for specific filing requirements, deadlines, and procedures for your location within Warren County.

Q: What if I disagree with a supplemental tax assessment? A: Supplemental assessments can be challenged through the same grievance process as regular assessments. You typically have 30 days from the supplemental assessment notice to file a grievance with your local Board of Assessment Review.

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