12184 Property Tax Rate
Valatie, New York · Part of Columbia County
Effective Tax Rate
1.85%
9.4% above state avgMedian Annual Tax
$5,744
$479/mo escrow
Estimate Your Tax
Annual Tax
$5,744
Monthly
$479
Eff. Rate
1.85%
Buyer decision brief
What ZIP 12184 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
$479/mo
Based on median annual tax paid
State context
Near the New York average
New York average: 1.85%
Data confidence
High confidenceThe Census margin of error is $451, about 8% 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 12184 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
$451 tax MOE, 8% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County context only
Columbia County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 12184
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 $311,200, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.85%, 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 $479 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 12184 Compares
Median Annual Property Tax
ZIP 12184
1.85%
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 51% of ZIP codes in New York(49th percentile, 1,598 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 12184
Property owners in ZIP code 12184 (Valatie, New York) pay a median of $5,744/year in property taxes on homes valued at $311,200. This translates to an effective tax rate of 1.85%, which is near the New York state average of 1.85%.
The monthly property tax burden for a median-valued home in 12184 is approximately $479, which factors into escrow payments on mortgages. This ZIP code is located within Columbia County. This is $492 more than the New York average of $5,252/year.
Compared to similar ZIP codes in New York, 12184 has lower property taxes. ZIP codes with similar effective rates include 10984 (1.85%) and 13625 (1.85%).
In Valatie, property taxes represent approximately 6.3% of the median household income of $91,616, providing context for the relative tax burden on homeowners in this area.
If you're considering purchasing a home in 12184, keep in mind that property taxes are based on the assessed value assigned by the local assessor, which may differ from the purchase price. In some states, properties are reassessed at or near the sale price upon transfer of ownership. For the most current tax information for a specific property, consult Columbia County's tax assessor directly.
Frequently Asked Questions
What is the property tax rate in ZIP code 12184?
How much are property taxes in Valatie, NY (12184)?
How does ZIP 12184 compare to the New York average?
What is the median home value in ZIP 12184?
What county is ZIP code 12184 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$451. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 12184 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 12184
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
12503
Ancramdale, NY
0.77 percentage points lower than ZIP 12184.
Rate
1.08%
Tax
$4,946
Quality
79
12529
Hillsdale, NY
0.76 percentage points lower than ZIP 12184.
Rate
1.08%
Tax
$4,203
Quality
84
12523
Elizaville, NY
0.70 percentage points lower than ZIP 12184.
Rate
1.15%
Tax
$3,815
Quality
79
12513
Claverack, NY
0.56 percentage points lower than ZIP 12184.
Rate
1.29%
Tax
$5,232
Quality
69
12130
Niverville, NY
0.47 percentage points lower than ZIP 12184.
Rate
1.37%
Tax
$3,000
Quality
69
12521
Craryville, NY
0.45 percentage points lower than ZIP 12184.
Rate
1.40%
Tax
$4,574
Quality
79
12037
Chatham, NY
0.44 percentage points lower than ZIP 12184.
Rate
1.41%
Tax
$4,856
Quality
84
12526
Germantown, NY
0.41 percentage points lower than ZIP 12184.
Rate
1.44%
Tax
$5,384
Quality
84
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.