13101 Property Tax Rate
Mc Graw, New York · Part of Cortland County
Effective Tax Rate
2.89%
32% below state avgMedian Annual Tax
$3,573
$298/mo escrow
Estimate Your Tax
Annual Tax
$3,573
Monthly
$298
Eff. Rate
2.89%
Buyer decision brief
What ZIP 13101 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
$298/mo
Based on median annual tax paid
State context
1.04 percentage points above the New York average
New York average: 1.85%
Data confidence
High confidenceThe Census margin of error is $410, about 11% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Cortland 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 13101 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
$410 tax MOE, 11% 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
Cortland County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 13101
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 $123,800, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 2.89%, 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 $298 per month before insurance, HOA dues, or special assessments.
Assessor verification
Cortland County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 13101 Compares
Median Annual Property Tax
ZIP 13101
2.89%
Effective rate
New York Avg
1.85%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in New York
Higher than 95% of ZIP codes in New York(95th percentile, 1,598 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 13101
Property owners in ZIP code 13101 (Mc Graw, New York) pay a median of $3,573/year in property taxes on homes valued at $123,800. This translates to an effective tax rate of 2.89%, which is 56% above the New York state average of 1.85%.
The monthly property tax burden for a median-valued home in 13101 is approximately $298, which factors into escrow payments on mortgages. This ZIP code is located within Cortland County. This is $1,679 less than the New York average of $5,252/year.
Compared to similar ZIP codes in New York, 13101 has higher property taxes. ZIP codes with similar effective rates include 13317 (2.88%) and 13090 (2.89%).
In Mc Graw, property taxes represent approximately 5.7% of the median household income of $62,670, providing context for the relative tax burden on homeowners in this area.
If you're considering purchasing a home in 13101, 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 Cortland County's tax assessor directly.
Frequently Asked Questions
What is the property tax rate in ZIP code 13101?
How much are property taxes in Mc Graw, NY (13101)?
How does ZIP 13101 compare to the New York average?
What is the median home value in ZIP 13101?
What county is ZIP code 13101 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$410. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 13101 is part of Cortland County, New York. View the full county profile for broader context and more data.
View Cortland County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 13101
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
13803
Marathon, NY
0.63 percentage points lower than ZIP 13101.
Rate
2.26%
Tax
$3,035
Quality
84
13863
Willet, NY
0.48 percentage points lower than ZIP 13101.
Rate
2.41%
Tax
$2,490
Quality
84
13141
Preble, NY
0.36 percentage points lower than ZIP 13101.
Rate
2.52%
Tax
$4,036
Quality
79
13158
Truxton, NY
0.21 percentage points lower than ZIP 13101.
Rate
2.67%
Tax
$4,506
Quality
84
13077
Homer, NY
0.19 percentage points lower than ZIP 13101.
Rate
2.70%
Tax
$4,553
Quality
84
13045
Cortland, NY
0.17 percentage points lower than ZIP 13101.
Rate
2.72%
Tax
$4,421
Quality
84
13040
Cincinnatus, NY
0.09 percentage points lower than ZIP 13101.
Rate
2.80%
Tax
$3,545
Quality
84
10007
New York, NY
2.39 percentage points lower than ZIP 13101.
Rate
0.50%
Tax
$10,001
Quality
82
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.