12850 Property Tax Rate

Property owners in ZIP code 12850 (Middle Grove, New York) pay a median of $3,639/year in property taxes on homes valued at $294,600. This translates to an effective tax rate of 1.24%, which is 33% below the New York state average of 1.85%.

The monthly property tax burden for a median-valued home in 12850 is approximately $303, which factors into escrow payments on mortgages. This ZIP code is located within Saratoga County. This is $1,613 less than the New York average of $5,252/year.

Compared to similar ZIP codes in New York, 12850 has higher property taxes. ZIP codes with similar effective rates include 13420 (1.23%) and 14463 (1.23%).

In Middle Grove, property taxes represent approximately 3.9% of the median household income of $94,189, providing context for the relative tax burden on homeowners in this area.

New York has no statewide property tax cap; Saratoga County reassesses properties based on market conditions and local tax rates annually. Saratoga County primary residence owners earning ≤$500,000 automatically qualify for STAR, which reduces school property taxes by exempting thousands from your assessed value — confirm enrollment through local schools or contact the Saratoga County Assessor. File your STAR application with the Saratoga County Assessor (518-583-5652) within 30 days of purchase to activate the exemption on your next tax bill.