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Updated 2025 Tax Year

Westchester County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
2% to 4% of market value (combined jurisdictions)
Exemptions
5+ Available
Section 1

How Property Tax Works

Westchester County operates a complex property tax system that serves as the primary funding source for local services including schools, municipal operations, fire departments, and county services. Property owners pay taxes to multiple jurisdictions simultaneously - typically county, town/city, school district, and sometimes village taxes - all collected on separate schedules throughout the year. The county uses a market value assessment system without assessment caps, meaning property values can fluctuate significantly based on market conditions.

Effective property tax rates in Westchester County are among the highest in New York State, typically ranging from 2% to 4% of market value when combining all jurisdictions. This high rate reflects the county's commitment to well-funded schools, extensive municipal services, and maintained infrastructure. The tax burden varies considerably by municipality, with some areas experiencing rates above the state average of 1.4% due to local service levels and property values.

Section 2

What Makes Up Your Tax Bill

ComponentRate RangeDescription
County Tax0.3% - 0.6%Funds county services, courts, parks, and infrastructure
School Tax1.5% - 2.5%Largest component, funds local school districts
Town/City Tax0.2% - 0.8%Municipal services, police, fire, road maintenance
Village Tax0.1% - 0.4%Additional services in incorporated villages
Special Districts0.1% - 0.3%Fire districts, water districts, sewer districts
Total Effective Rate2.2% - 4.6%Combined rate varies by location and services

Note: Rates shown are approximate effective rates based on market value. Actual tax bills show rates applied to assessed values which may differ from market value.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Westchester 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 Westchester County are triggered by specific events that change a property's tax liability mid-year. The most common triggers include new construction completion, property improvements that increase assessed value, ownership changes that remove exemptions, or corrections to assessment rolls. These supplemental bills ensure the county captures the full year's tax revenue on changed properties.

Supplemental taxes are calculated by determining the difference between the old and new tax liability, then prorating it for the remaining months in the tax year. For example, if a home addition increases annual taxes by $1,200 and is completed in July, the supplemental tax would be $600 (6 months remaining). Property owners receive separate bills for supplemental taxes, typically within 60-90 days of the triggering event, with payment due 30 days from the bill date.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessment Ratio: 100% (market value)
  • STAR Exemption: -$30,000 (school taxes only)
  • Net Taxable (School): $270,000
  • Net Taxable (Other): $300,000
  • Annual Tax: $8,100 (2.7% effective rate)
  • Monthly Escrow: $675

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessment Ratio: 100% (market value)
  • STAR Exemption: -$30,000 (school taxes only)
  • Net Taxable (School): $570,000
  • Net Taxable (Other): $600,000
  • Annual Tax: $19,200 (3.2% effective rate)
  • Monthly Escrow: $1,600

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessment Ratio: 100% (market value)
  • Enhanced STAR: -$67,550 (if income qualified)
  • Net Taxable (School): $932,450
  • Net Taxable (Other): $1,000,000
  • Annual Tax: $35,000 (3.5% effective rate)
  • Monthly Escrow: $2,917

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Westchester County require property tax escrow accounts due to the high tax amounts and multiple payment schedules. Lenders collect monthly deposits equal to annual taxes divided by 12, plus a cushion typically equal to 2-3 months of payments. The escrow account must maintain this minimum balance to ensure sufficient funds for all tax payments throughout the year.

Westchester's staggered payment schedule makes escrow management complex, with county taxes due April 30th, school taxes due in September, and additional village or district taxes potentially due at other times. Lenders monitor all payment schedules and make payments directly to tax collectors on behalf of homeowners. Property owners should verify their escrow analysis annually, as Westchester's frequent reassessments and budget changes can significantly impact required monthly deposits. Lenders must provide detailed escrow statements showing all deposits, payments, and balance projections.

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 Westchester County? A: County taxes are due April 30th, school taxes in September, and village taxes typically August 1st. Exact dates vary by municipality, so check with your local tax collector.

Q: How do I qualify for STAR exemptions? A: STAR provides school tax relief for primary residences. Basic STAR has no income limit, while Enhanced STAR requires income under $90,550 and age 65+. Apply through your local assessor's office.

Q: Can I pay property taxes online? A: Yes, most Westchester municipalities offer online payment through their websites or third-party services. Check your tax bill for specific payment options and any convenience fees.

Q: What happens if I pay property taxes late? A: Late payments incur interest and penalties starting the day after the due date. Rates vary by jurisdiction but typically range from 1-1.5% per month.

Q: How do I appeal my property assessment? A: File a grievance with your local Board of Assessment Review during the published grievance period, typically May-June. You'll need evidence supporting your claim that the assessment exceeds market value.

Q: Are veterans entitled to property tax exemptions? A: Yes, qualifying veterans may receive exemptions ranging from 10-50% depending on service period and disability status. Contact your local assessor to apply.

Q: How often are properties reassessed? A: Most Westchester municipalities conduct annual assessments, though the extent varies. Some years involve full revaluations while others make incremental adjustments based on market changes.

Q: What's included in my property tax bill? A: Your bill typically includes county, town/city, school, and any special district taxes. Each jurisdiction appears as a separate line item with its own rate and amount.

Q: Can I get a tax exemption for solar panels? A: Yes, solar energy systems are exempt from property tax increases for 15 years under New York State law. The exemption applies only to the added value from the solar installation.

Q: What if I disagree with my tax bill amount? A: First verify the assessment and exemptions are correct. If the assessment is wrong, file a grievance. If the calculation is wrong, contact the tax collector immediately for correction.

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