Property tax in Schoharie County, New York

Who sends the property tax bill in Schoharie County, and how do you pay it?

The bill comes from your town tax collector; after the collector's warrant expires in late May or early June, the Schoharie County Treasurer. The value it is based on is set by a separate office, your town assessor (each of Schoharie County's 16 towns has its own assessor), which is who to ask if the value looks wrong. For how to look up and pay the bill, go to the county's own payment information.

Schoharie County homeowners can get up to three property tax bills a year. Town and county taxes come on one bill January 1 from your town tax collector. School taxes are billed September 1 and paid to the school tax collector in September and October. Most village taxes are billed June 1 and paid to the village clerk by October 31, but a few villages, including Cobleskill and Schoharie, bill village tax in January. School or village taxes left unpaid after November 30 get a penalty and are added to the next January town and county bill. Schoharie County does not assess homes: your town assessor sets values and takes exemption applications. The county's online tax inquiry shows current-year bills and payments made to the collector, not payments made to the County Treasurer.

When are property taxes due in Schoharie County?

For the 2027 town and county taxes (bills sent January 1, 2027) bill, Schoharie County has one due date: January 31, 2027. Bills go out January 1 and are payable to your town tax collector without penalty until January 31. January 31, 2027 is a Sunday. State law automatically extends a tax deadline that falls on a weekend or holiday to the next business day, so the last day without interest is Monday, February 1, 2027. After the January deadline, interest is added at 1% a month (from February 2 in 2027, because of the weekend extension). Your town tax collector takes payments until the collector's warrant expires in late May or early June; after that, pay the County Treasurer. The Treasurer offers a monthly installment agreement that splits the taxes into 12 equal payments; call the office for details. The county forecloses on homes and farms after taxes go unpaid for 4 years, and on commercial property after 2 years.

From Schoharie County's published schedule, checked September 23, 2026. The county had not posted a calendar labeled for this cycle when we checked, so these dates come from state law and the county's standing schedule; the date on your bill is the one that binds you.

Estimate the property tax on a home in Schoharie County

Enter a home's market value for a ballpark at Schoharie County's average effective rate of 2.03% (Census). The real bill depends on the home's assessed value, the millage where it sits and any exemptions.

Property tax in Schoharie County at a glance

Effective rate = median real estate taxes paid divided by median home value. Source: U.S. Census Bureau, American Community Survey 5-year estimates.

How does Schoharie County compare in New York?

Among New York's 62 counties, Schoharie County has the 32nd highest effective property-tax rate: 31 rank higher and 30 rank lower. That is near the middle for New York. Nationally, it ranks 78th of 3135 US counties by effective rate. See every New York county ranked.

How much do homeowners in Schoharie County actually pay?

The median is only the middle bill. Across Schoharie County's 9,824 owner-occupied homes, 60.7% pay $3,000 or more a year in property tax, 76.2% pay at least $2,000, and 3.8% pay under $800. Another 4% report paying no property tax at all, which usually means an exemption covers the whole bill.

Owners with a mortgage pay a median of $4,405 and owners without one pay $3,410. Owners who have paid off a home have usually held it longer, and in states that cap how fast an existing owner's assessment can rise, long-held homes carry lower assessed values. Census table B25103.

How does the Schoharie County property tax bill compare with local incomes?

The median property tax bill of $3,914 is about 4.8% of the median income of Schoharie County homeowner households, $81,335 a year. That compares two middles, so a retiree in a long-held home can pay a far larger share. 76.4% of Schoharie County's occupied homes are lived in by their owners; renters pay property tax too, just folded into rent.

Have property taxes gone up in Schoharie County?

Yes. The median bill went from $3,427 in 2015-2019 to $3,914 in 2020-2024, a 14.2% rise. Over the same span the median home value moved 32.9%, from $144,800 to $192,500. Bills rose more slowly than values, which is what assessment caps and falling millage rates do: the county is taxing a smaller share of each home's worth.

Two Census ACS 5-year periods with no survey years in common, in each period's own dollars. A change counts only if it exceeds the combined 90% margin of error.

Property tax in counties next to Schoharie County

Schoharie County borders 6 counties.

How is a home assessed in Schoharie County?

New York sets the assessment rules and Schoharie County applies them. How New York assesses and reappraises homes.

Is there a homestead exemption in Schoharie County?

Not as a flat dollar amount. New York's main owner-occupancy benefit is STAR, which reduces school taxes for owners with income up to $500,000 (STAR credit) or $250,000 (STAR exemption). That is the New York rule, and it applies in Schoharie County. New York's exemptions and relief programs in full.

On top of the New York programs, Schoharie County runs its own:

• Volunteer firefighter and ambulance worker exemption: Under a 2023 county law, amended in 2025, a Schoharie County resident who is a member of an incorporated volunteer fire company, fire department or ambulance service serving their own community, or a neighboring city, village, town, county or school district, can get a partial exemption from county property taxes. Apply to your town assessor. Apply by March 1 (the taxable status date).

How to appeal your Schoharie County property assessment

In Schoharie County you appeal to the Your town's Board of Assessment Review. The deadline: File a written complaint (state Form RP-524) with your assessor or Board of Assessment Review by Grievance Day. In most towns that is the fourth Tuesday in May (May 25, 2027), and the tentative roll comes out May 1. The county's most recent calendar lists different days in some towns: Blenheim and Summit the Wednesday after the fourth Tuesday in May; Carlisle, Cobleskill and Middleburgh the Thursday after; Sharon the first Tuesday in June, Seward the first Wednesday, Esperance the first Thursday and Conesville the first Monday in June. Confirm the date with your assessor. If the Board denies your complaint, you can file for Small Claims Assessment Review or a tax certiorari case within 30 days of the filing of the final assessment roll, which is due July 1. How to file. Checked September 23, 2026 against state law, because Schoharie County does not restate them on its own pages.

How New York's appeal process works, including the next level if the first one turns you down.

New York rules from primary state sources, reviewed September 7, 2026; sources on the New York page.

Work out your own numbers

• How much house can I afford?

  Your income, debts and down payment against the 28/36 rule lenders actually use, with Schoharie County's tax rate to hand.

• Mortgage calculator

  Monthly payment with principal, interest, tax and insurance, plus what an extra payment saves you.

• New York income tax

  Brackets, standard deduction and what New York actually taxes.

• Sales tax in Schoharie County

  The other local tax: combined state and local rate for this county.