12165 Property Tax Rate
Spencertown, New York · Part of Columbia County
Effective Tax Rate
1.54%
12.9% above state avgMedian Annual Tax
$5,932
$494/mo escrow
Estimate Your Tax
Annual Tax
$5,932
Monthly
$494
Eff. Rate
1.54%
Buyer decision brief
What ZIP 12165 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$494/mo
Based on median annual tax paid
State context
0.30 percentage points below the New York average
New York average: 1.85%
Data confidence
High confidenceThe Census margin of error is $880, about 15% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Columbia County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 12165 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$880 tax MOE, 15% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Columbia County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 12165
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $384,100, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.54%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on New York and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $494 per month before insurance, HOA dues, or special assessments.
Assessor verification
Columbia County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 12165 Compares
Median Annual Property Tax
ZIP 12165
1.54%
Effective rate
New York Avg
1.85%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in New York
Lower than 66% of ZIP codes in New York(34th percentile, 1,598 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 12165
Property owners in ZIP code 12165 (Spencertown, New York) pay a median of $5,932/year in property taxes on homes valued at $384,100. This translates to an effective tax rate of 1.54%, which is 16% below the New York state average of 1.85%.
The monthly property tax burden for a median-valued home in 12165 is approximately $494, which factors into escrow payments on mortgages. This ZIP code is located within Columbia County. This is $680 more than the New York average of $5,252/year.
Compared to similar ZIP codes in New York, 12165 has lower property taxes. ZIP codes with similar effective rates include 11010 (1.54%) and 12746 (1.55%).
In Spencertown, property taxes represent approximately 11.1% of the median household income of $53,500, providing context for the relative tax burden on homeowners in this area.
New York has no statewide property tax cap; Columbia County reassesses properties based on market value and local budget cycles without annual increase limits. Columbia County primary residence owners with household income ≤$500,000 automatically qualify for STAR, which reduces school taxes by exempting thousands from assessed value — confirm enrollment through local schools or the Columbia County Assessor. File your STAR application with the Columbia County Assessor (518-828-3040) within 30 days of purchase to lock in school tax savings on your next bill.
Frequently Asked Questions
What is the property tax rate in ZIP code 12165?
How much are property taxes in Spencertown, NY (12165)?
How does ZIP 12165 compare to the New York average?
What is the median home value in ZIP 12165?
What county is ZIP code 12165 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$880. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 12165 is part of Columbia County, New York. View the full county profile for broader context and more data.
View Columbia County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 12165
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
12503
Ancramdale, NY
0.47 percentage points lower than ZIP 12165.
Rate
1.08%
Tax
$4,946
Quality
86
12529
Hillsdale, NY
0.46 percentage points lower than ZIP 12165.
Rate
1.08%
Tax
$4,203
Quality
91
12523
Elizaville, NY
0.39 percentage points lower than ZIP 12165.
Rate
1.15%
Tax
$3,815
Quality
86
12513
Claverack, NY
0.26 percentage points lower than ZIP 12165.
Rate
1.29%
Tax
$5,232
Quality
76
12130
Niverville, NY
0.17 percentage points lower than ZIP 12165.
Rate
1.37%
Tax
$3,000
Quality
76
12521
Craryville, NY
0.15 percentage points lower than ZIP 12165.
Rate
1.40%
Tax
$4,574
Quality
86
12037
Chatham, NY
0.14 percentage points lower than ZIP 12165.
Rate
1.41%
Tax
$4,856
Quality
91
12526
Germantown, NY
0.11 percentage points lower than ZIP 12165.
Rate
1.44%
Tax
$5,384
Quality
91
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.