13431 Property Tax Rate

Property owners in ZIP code 13431 (Poland, New York) pay a median of $2,925/year in property taxes on homes valued at $207,700. This translates to an effective tax rate of 1.41%, which is 24% below the New York state average of 1.85%.

The monthly property tax burden for a median-valued home in 13431 is approximately $244, which factors into escrow payments on mortgages. This ZIP code is located within Herkimer County. This is $2,327 less than the New York average of $5,252/year.

Compared to similar ZIP codes in New York, 13431 has lower property taxes. ZIP codes with similar effective rates include 10543 (1.41%) and 11718 (1.41%).

In Poland, property taxes represent approximately 3.5% of the median household income of $83,200, providing context for the relative tax burden on homeowners in this area.

New York has no statewide property tax cap; reassessment varies by municipality and occurs annually or as determined by your local assessor. Herkimer County homebuyers with primary residences earning up to $500,000 should enroll in the STAR (School Tax Relief) program, which exempts a portion of assessed value from school taxes — typically saving $300–$800/year. File your STAR application with the Herkimer County Assessor's office immediately after purchase to lock in the exemption for the following tax year.