12549 Property Tax Rate

Property owners in ZIP code 12549 (Montgomery, New York) pay a median of $9,863/year in property taxes on homes valued at $377,300. This translates to an effective tax rate of 2.61%, which is 42% above the New York state average of 1.85%.

The monthly property tax burden for a median-valued home in 12549 is approximately $822, which factors into escrow payments on mortgages. This ZIP code is located within Orange County. This is $4,611 more than the New York average of $5,252/year.

Compared to similar ZIP codes in New York, 12549 has higher property taxes. ZIP codes with similar effective rates include 14533 (2.61%) and 13212 (2.61%).

In Montgomery, property taxes represent approximately 7.9% of the median household income of $125,000, providing context for the relative tax burden on homeowners in this area.

New York has no statewide property tax cap; assessments adjust annually based on local revaluation cycles and market conditions. Orange County primary residence owners earning ≤$500,000 benefit from the STAR exemption, which removes thousands from school tax calculations — submit your application to Orange County schools or the Orange County Assessor's office by the annual March 15 deadline. Contact the Orange County Assessor immediately post-closing to register your ownership and confirm STAR eligibility, as the exemption can save $500–$1,000+ annually depending on your assessed value.