Utica, Herkimer County, New York Property Taxes

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Property Taxes in Utica, New York

Median Utica, New York effective property tax rate: 2.02%, significantly higher than the national median of 1.02%, and higher than the New York state median of 1.90%.
Median Utica, New York home value: $168,700
Median annual Utica, New York tax bill: $3,380, $980 higher than the national median property tax bill of $2,400.

How are property taxes in Herkimer calculated?

Property taxes in Utica, New York are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding Utica's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Utica, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Utica, Herkimer County, New York Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

2.02%

Estimate Property Tax Bill

$3,408

$3,162

How Does the Utica Property Tax Calculator Work?

Use this Utica property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Utica's median effective tax rate of 2.02% — based on actual property records in Herkimer County — to generate your estimate.

Enter your property's estimated assessed value — the figure the local assessment system uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Utica's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.

Your bill may vary by ZIP code within Utica: rates range from $3,363.00 in 13502 to $3,594.00 in 13501, primarily due to differences in school district levies and local assessment districts. Utica’s median property tax bill of $3,380 is higher than New York’s median property tax bill of $2,400 and above the national median property tax rate of 1.02%.

For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Utica.

About Utica Property Taxes

About Property Taxes in Utica, Herkimer, New York

Utica’s median effective property tax rate of 2.02% is higher than the New York state median of 1.90% and higher than the national median of 1.02%. This rate reflects the Herkimer County base levy combined with local school district levies and special district levies that vary by subdivision throughout the city.

Property tax rates are not uniform across Utica. Homeowners in the 13501 ZIP code carry a median effective rate of 2.08%, while those in 13502 pay 2.02%. This spread — 0.06 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Herkimer County. Understanding which part of Utica you live in can make a meaningful difference to your annual tax bill.

Utica homeowners who believe their assessed value is too high can file a formal appeal with the local Assessment Review Commission before the May 26, 2026 deadline each year.

If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.

Property Tax Rates Across Utica, Herkimer County, New York

As noted earlier, local government entities set tax rates, which can vary widely within a state.

Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.

While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.

Below, you can compare Utica's effective property tax rate to other cities in New York and the median property tax rates in New York and the U.S.

Property Tax Rates Across Utica, Herkimer County, New York

Source: Ownwell

0.73%

1.96%

3.19%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Utica Tax Rate

2.02%

Median Effective Herkimer County Tax Rate

2.04%

Median Effective New York Tax Rate

1.90%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Utica, Herkimer County, New York

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
13501	1.70%	1.76%	2.08%	2.46%	2.56%
13502	1.38%	1.65%	2.02%	2.30%	2.54%

Source: Ownwell

Property Tax Assessment Values Across Utica, Herkimer County, New York

When examining property taxes in Utica, New York, understanding the distinction between "market value" and "assessed value" is crucial.

The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Herkimer County appraisal district estimates the market value for tax purposes.

The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

Assessment notices:

In Herkimer County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month when notices are sent.

Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Utica.

For example, the median home price in Utica is $168,700, with tax bills ranging significantly across the county. 13501 has the highest median home price at $175,602.

Property Tax Assessment Values Across Utica, Herkimer County, New York

Source: Ownwell

$83,636

$238,084

$392,531

Median Utica Market Value

$168,700

Median Herkimer County Market Value

$127,341

Median New York Market Value

$312,500

Median United States Market Value

$235,294

Property Tax Assessment Values Across Utica, Herkimer County, New York

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
13501	$138,295	$169,308	$175,602	$185,587	$211,157
13502	$87,138	$125,479	$165,040	$235,274	$318,578

Source: Ownwell

Property Tax Bills Across Utica, Herkimer County, New York

Property tax bills in Utica are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. That means the amount a homeowner owes depends on how the property is valued and the tax rate set by local taxing authorities. For a home with a median value of $168,700, the bill can vary widely depending on neighborhood and assessment details.

In Utica, property tax bills are often substantial compared with the national median property tax bill of $2,400. The 25th percentile bill is $2,282, while the 75th percentile reaches $4,683, and the 90th percentile climbs to $6,636. The highest median tax bill is $3,594 in ZIP code 13501, compared with $3,363 in ZIP code 13502. These differences show how assessed value, location, and local tax rates can significantly affect homeowners’ annual costs.

Property Tax Bills Across Utica, Herkimer County, New York

Source: Ownwell

$1,464

$4,014

$6,564

Median Utica Tax Bill

$3,380

Median Herkimer County Tax Bill

$2,784

Median New York Tax Bill

$5,420

Median United States Tax Bill

$2,400

Property Tax Bills Across Utica, Herkimer County, New York

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
13501	$2,388	$3,125	$3,594	$4,320	$6,043
13502	$1,488	$2,264	$3,363	$4,729	$6,652

Source: Ownwell

Don't miss the deadline to file a grievance!

Dates
Appeal Deadline	May 26

Links
Herkimer Assessment Review Commission
Website	app.regrid.com

Frequently Asked Property Tax Questions in Utica, New York

How are property taxes calculated in Utica, New York?

Property taxes in Utica, New York are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.

How do I appeal my property taxes in Utica, New York?

To appeal your property taxes in Utica, New York, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.

What property tax exemptions are available in Utica, New York?

Common property tax exemptions in Utica, New York include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.

When are property taxes due in Utica, New York?

Property tax deadlines in Utica, New York vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.

How can Ownwell help reduce my property taxes in Utica, New York?

Ownwell provides professional property tax appeal services in Utica, New York. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.