12942 Property Tax Rate
Keene, New York · Part of Essex County
Effective Tax Rate
1.43%
16.6% above state avgMedian Annual Tax
$6,126
$511/mo escrow
Estimate Your Tax
Annual Tax
$6,126
Monthly
$511
Eff. Rate
1.43%
Buyer decision brief
What ZIP 12942 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
$511/mo
Based on median annual tax paid
State context
0.41 percentage points below the New York average
New York average: 1.85%
Data confidence
High confidenceThe Census margin of error is $733, about 12% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Essex 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 12942 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
$733 tax MOE, 12% 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
Essex County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 12942
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 $427,300, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.43%, 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 $511 per month before insurance, HOA dues, or special assessments.
Assessor verification
Essex County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 12942 Compares
Median Annual Property Tax
ZIP 12942
1.43%
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 72% of ZIP codes in New York(28th percentile, 1,598 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 12942
Property owners in ZIP code 12942 (Keene, New York) pay a median of $6,126/year in property taxes on homes valued at $427,300. This translates to an effective tax rate of 1.43%, which is 22% below the New York state average of 1.85%.
The monthly property tax burden for a median-valued home in 12942 is approximately $511, which factors into escrow payments on mortgages. This ZIP code is located within Essex County. This is $874 more than the New York average of $5,252/year.
Compared to similar ZIP codes in New York, 12942 has higher property taxes. ZIP codes with similar effective rates include 13316 (1.43%) and 12776 (1.43%).
In Keene, property taxes represent approximately 5.4% of the median household income of $113,750, providing context for the relative tax burden on homeowners in this area.
New York has no statewide property tax cap; Essex County (in the Adirondacks) assesses properties independently with reassessment occurring periodically, not at sale. Homeowners earning ≤$500,000 qualify for STAR (School Tax Relief) through the Essex County Assessor, reducing school taxes by $200–$400 annually. Submit your STAR application by March 15 following purchase; with Essex County's lower median home value, verify whether you also qualify for the Senior STAR (Enhanced STAR) program if age 65+.
Frequently Asked Questions
What is the property tax rate in ZIP code 12942?
How much are property taxes in Keene, NY (12942)?
How does ZIP 12942 compare to the New York average?
What is the median home value in ZIP 12942?
What county is ZIP code 12942 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$733. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 12942 is part of Essex County, New York. View the full county profile for broader context and more data.
View Essex County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 12942
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
12852
Newcomb, NY
0.82 percentage points lower than ZIP 12942.
Rate
0.61%
Tax
$1,359
Quality
91
12858
Paradox, NY
0.60 percentage points lower than ZIP 12942.
Rate
0.84%
Tax
$2,894
Quality
86
12855
North Hudson, NY
0.29 percentage points lower than ZIP 12942.
Rate
1.14%
Tax
$1,798
Quality
91
12943
Keene Valley, NY
0.24 percentage points lower than ZIP 12942.
Rate
1.19%
Tax
$2,648
Quality
91
12946
Lake Placid, NY
0.24 percentage points lower than ZIP 12942.
Rate
1.19%
Tax
$5,296
Quality
86
12996
Willsboro, NY
0.14 percentage points lower than ZIP 12942.
Rate
1.29%
Tax
$3,034
Quality
76
12997
Wilmington, NY
0.14 percentage points lower than ZIP 12942.
Rate
1.30%
Tax
$3,542
Quality
86
12987
Upper Jay, NY
0.09 percentage points lower than ZIP 12942.
Rate
1.34%
Tax
$3,000
Quality
80
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.