Phelps, Ontario County, New York Property Taxes
Property Taxes in Phelps, New York
Median Phelps, New York effective property tax rate: 2.56%, significantly higher than the national median of 1.02%, and higher than the New York state median of 1.90%.
Median Phelps, New York home value: $173,718
Median annual Phelps, New York tax bill: $4,722, $2,322 higher than the national median property tax bill of $2,400.
How are property taxes in Ontario County calculated?
Property taxes in Phelps, 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 Phelps’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Phelps, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Phelps, Ontario County, New York Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
2.56%
Estimate Property Tax Bill
$4,447
$4,127
How Does the Phelps Property Tax Calculator Work?
Use this Phelps property tax calculator to estimate your annual property tax bill. Enter your property’s assessed value, and our calculator applies Phelps’s median effective tax rate of 2.56% — based on actual property records in Ontario County — to generate your estimate.
Enter your property’s estimated assessed value — the figure used to calculate your bill and the amount that reflects any exemptions you hold, which is typically lower than your home’s market value. Our calculator applies Phelps’s median effective rate across all local levies, providing a more accurate estimate than using a single county millage rate.
Phelps’s median tax rate is higher than New York’s 1.90% median rate, and the median property tax bill is $4,722, which is $2,322 higher than the state median bill. Within Phelps, the median tax bill is the same across ZIP code 14532.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Phelps.
About Phelps Property Taxes
About Property Taxes in Phelps, Ontario, New York
Phelps’s median effective property tax rate of 2.56% is higher than the New York state median of 1.90% and higher than the national median of 1.02%. This rate reflects the Ontario 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 Phelps. Homeowners in ZIP code 14532 carry a median effective rate of 2.56%, while those in the same ZIP code also pay 2.56%. This reflects how school district boundaries and local assessment districts are drawn across Ontario County. Understanding which part of Phelps you live in can make a meaningful difference to your annual tax bill.
Phelps 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 Phelps, Ontario 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 Phelps's effective property tax rate to other cities in New York and the median property tax rates in New York and the U.S.
Our median effective property tax rate (tax bill Ă· 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 Phelps Tax Rate
2.56%
Our median effective property tax rate (tax bill Ă· 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 Ontario County Tax Rate
1.97%
Median Effective New York Tax Rate
1.90%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Phelps, Ontario County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 14532 | 2.50% | 2.54% | 2.56% | 2.88% | 2.88% |
Source: Ownwell
Property Tax Assessment Values Across Phelps, Ontario County, New York
When examining property taxes in Phelps, 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 Ontario 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 Ontario County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month.
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. For example, the median home price in Phelps is $173,718, with a median tax bill of $4,722.
Property Tax Assessment Values Across Phelps, Ontario County, New York
Source: Ownwell
$128,200
$430,300
$732,400
Median Phelps Market Value
$173,718
Median Ontario County Market Value
$226,000
Median New York Market Value
$312,500
Median United States Market Value
$235,294
Property Tax Assessment Values Across Phelps, Ontario County, New York
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 14532 | $95,128 | $130,128 | $173,718 | $226,282 | $312,359 |
Source: Ownwell
Property Tax Bills Across Phelps, Ontario County, New York
Property tax bills in Phelps are based on the assessed value of a home and the local tax rate set by taxing authorities. When a property’s assessed value rises, the tax bill can increase, even if the homeowner has not made major changes to the home. Local budgets, school district funding, and other municipal needs all factor into the final amount.
For homeowners in Phelps, the typical tax burden is well above the national median property tax bill of $2,400. The median home price is $173,718, and tax bills commonly range from $3,505 at the 25th percentile to $5,903 at the 75th percentile, with the 90th percentile reaching $7,622. The median tax bill in ZIP code 14532 is $4,722.
Because property taxes are tied to assessed value and local rates, even small changes can affect what homeowners owe each year.
Median Phelps Tax Bill
$4,722
Median Ontario County Tax Bill
$5,005
Median New York Tax Bill
$5,420
Median United States Tax Bill
$2,400
Property Tax Bills Across Phelps, Ontario County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 14532 | $2,542 | $3,505 | $4,722 | $5,903 | $7,622 |
Source: Ownwell
Don't miss the deadline to file a grievance!
Dates | |
|---|---|
| Appeal Deadline | May 26 |
Links | |
|---|---|
| Ontario Assessment Review Commission | |
| Website | www.ontariocountyny.gov |