Otsego County, New York Property Taxes
Property Taxes in Otsego County, New York
Median Otsego County effective property tax rate: 1.90%, significantly higher than the national median of 1.02%.
Median Otsego County home value: $162,338
Median annual Otsego County tax bill: $3,172, $772 higher than the national median property tax bill of $2,400.
How are property taxes in Otsego County calculated?
Property taxes in Otsego County 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.
Why are property taxes in Otsego County higher than the national median? The county’s effective property tax rate is 1.90%, which is well above the national median of 1.02%.
How much is the typical annual property tax bill in Otsego County? The median annual bill is $3,172, making it $772 higher than the national median of $2,400.
Understanding your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Otsego County or another part of the county, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Otsego County, New York Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.9%
Estimate Property Tax Bill
$3,084
$2,862
How Does the Otsego County Property Tax Calculator Work?
Use this Otsego County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Otsego County's median effective tax rate of 1.90% to generate your estimate.
Enter your property's estimated assessed value — the figure used for tax purposes, which is typically lower than market value after applicable exemptions. Our calculator uses the median effective rate for a more accurate estimate than the statutory millage rate alone.
Your actual bill may vary based on your specific exemptions, local school district levies, and any special assessment districts that apply to your property. Otsego County's median property tax bill of $3,172 is higher than the national median property tax bill of $2,400 and higher than the state median by $772.
For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Otsego County.
Property Tax Rates Across Otsego County, New York
What Are Effective Property Tax Rates Across Otsego County?
Local government entities set tax rates, which vary widely across Otsego County. Each year, the county estimates its budget for public services and divides that total by the assessed value of all taxable property within its jurisdiction.
Below, compare Otsego County's effective property tax rate to other counties in New York or the U.S. median of 1.02%.
Otsego County's median effective rate stands at 1.90%, which is higher than the national median of 1.02%. Within Otsego County, the highest rate is found in Worcester at 2.47%, while West Winfield has the lowest at 0.67%.
These variations reflect differences in local school district levies, special district levies assessments, and special district bonds — which compound the base county rate.
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 Otsego County Tax Rate
1.90%
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 New York Tax Rate
1.90%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Otsego County, New York
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bainbridge | 1.25% | 1.60% | 1.80% | 2.25% | 3.13% |
| Burlington Flats | 1.17% | 1.43% | 1.68% | 1.92% | 2.44% |
| Canajoharie | 1.01% | 1.49% | 1.73% | 1.97% | 1.97% |
| Charlotteville | 0.83% | 0.86% | 0.87% | 0.88% | 1.24% |
| Cherry Valley | 1.19% | 1.54% | 1.76% | 2.05% | 2.49% |
| Cooperstown | 1.17% | 1.25% | 1.41% | 1.61% | 1.80% |
| Davenport | 0.68% | 0.69% | 0.70% | 0.73% | 0.79% |
| East Springfield | 1.11% | 1.22% | 1.41% | 1.43% | 2.45% |
| East Worcester | 0.86% | 1.93% | 2.44% | 2.54% | 2.94% |
| Edmeston | 1.19% | 1.40% | 1.63% | 1.88% | 2.37% |
| Fly Creek | 0.98% | 1.14% | 1.29% | 1.30% | 1.33% |
| Garrattsville | 1.22% | 1.62% | 2.00% | 2.23% | 2.27% |
| Gilbertsville | 1.49% | 1.74% | 1.97% | 2.13% | 2.59% |
| Hartwick | 1.10% | 1.27% | 1.48% | 1.70% | 2.06% |
| Jordanville | 1.14% | 1.27% | 1.43% | 1.78% | 2.21% |
| Laurens | 1.47% | 1.78% | 2.12% | 2.17% | 2.82% |
| Maryland | 1.29% | 1.68% | 1.75% | 2.31% | 2.50% |
| Milford | 1.25% | 1.48% | 1.72% | 1.91% | 2.58% |
| Morris | 1.42% | 1.80% | 2.21% | 2.40% | 2.92% |
| Mount Upton | 1.17% | 1.50% | 1.70% | 2.10% | 2.62% |
| Mount Vision | 1.25% | 1.64% | 2.11% | 2.21% | 2.78% |
| New Berlin | 1.46% | 1.87% | 2.19% | 2.39% | 3.49% |
| New Lisbon | 1.77% | 1.93% | 2.22% | 2.37% | 3.69% |
| Oneonta | 1.67% | 2.01% | 2.32% | 2.78% | 2.96% |
| Otego | 1.51% | 1.81% | 2.16% | 2.32% | 2.92% |
| Portlandville | 1.41% | 1.71% | 1.75% | 1.78% | 2.06% |
| Richfield Springs | 0.98% | 1.21% | 1.45% | 1.95% | 2.30% |
| Richmondville | 1.83% | 2.21% | 2.44% | 2.49% | 4.18% |
| Roseboom | 1.17% | 1.26% | 1.41% | 1.71% | 2.41% |
| Schenevus | 1.37% | 1.75% | 2.30% | 2.36% | 3.25% |
| Sidney | 0.96% | 1.46% | 1.81% | 2.08% | 2.82% |
| South New Berlin | 1.40% | 1.68% | 1.82% | 2.09% | 2.93% |
| Springfield Center | 0.95% | 1.21% | 1.40% | 1.46% | 1.79% |
| Unadilla | 1.36% | 1.77% | 2.11% | 2.64% | 3.33% |
| Wells Bridge | 0.90% | 1.48% | 1.84% | 2.21% | 3.17% |
| West Burlington | 1.43% | 1.53% | 1.66% | 2.04% | 2.59% |
| West Edmeston | 0.68% | 0.70% | 1.48% | 1.78% | 2.47% |
| Westford | 1.27% | 1.75% | 2.31% | 2.38% | 2.77% |
| West Oneonta | 1.53% | 1.87% | 2.13% | 2.21% | 2.22% |
| West Winfield | 0.57% | 0.64% | 0.67% | 0.93% | 2.04% |
| Worcester | 1.57% | 2.08% | 2.47% | 2.65% | 3.49% |
| Cobleskill | N/A | N/A | N/A | N/A | N/A |
| Franklin | N/A | N/A | N/A | N/A | N/A |
| Leonardsville | N/A | N/A | N/A | N/A | N/A |
| Schuyler Lake | N/A | N/A | N/A | N/A | N/A |
| Sharon Springs | N/A | N/A | N/A | N/A | N/A |
| Van Hornesville | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Otsego County, New York
When examining property taxes in Otsego County, 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 Otsego County assessor 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 Otsego County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of May.
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 Otsego County.
For example, the median tax bill in Otsego County is $3,172, compared with the national median property tax bill of $2,400. Tax bills range significantly across the county, from $881 in Davenport to $4,522 in Cooperstown. Cooperstown also has the highest median home price at $310,811.
Median Otsego County Market Value
$162,338
Median New York Market Value
$312,500
Median United States Market Value
$235,294
Property Tax Assessment Values Across Otsego County, New York
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bainbridge | $44,727 | $85,966 | $130,682 | $170,738 | $207,841 |
| Burlington Flats | $44,900 | $90,000 | $150,000 | $220,000 | $308,200 |
| Canajoharie | $125,972 | $158,333 | $219,028 | $315,278 | $333,333 |
| Charlotteville | $54,403 | $116,972 | $166,972 | $241,242 | $321,101 |
| Cherry Valley | $50,614 | $95,643 | $150,285 | $225,556 | $339,181 |
| Cooperstown | $109,127 | $197,788 | $310,811 | $473,195 | $710,846 |
| Davenport | $36,000 | $68,718 | $128,205 | $178,974 | $275,000 |
| East Springfield | $40,957 | $95,464 | $158,497 | $228,107 | $338,400 |
| East Worcester | $48,899 | $73,624 | $103,440 | $128,440 | $180,115 |
| Edmeston | $41,460 | $85,000 | $138,350 | $191,775 | $286,670 |
| Fly Creek | $97,297 | $185,980 | $291,756 | $420,980 | $558,554 |
| Garrattsville | $57,654 | $86,296 | $139,630 | $203,086 | $401,333 |
| Gilbertsville | $78,518 | $109,466 | $154,770 | $206,349 | $262,826 |
| Hartwick | $60,811 | $105,998 | $155,000 | $244,160 | $367,973 |
| Jordanville | $71,200 | $107,358 | $207,429 | $355,714 | $467,514 |
| Laurens | $58,126 | $107,801 | $161,276 | $219,828 | $293,546 |
| Maryland | $53,846 | $101,218 | $158,974 | $228,205 | $307,692 |
| Milford | $68,424 | $117,949 | $176,410 | $248,506 | $346,154 |
| Morris | $49,730 | $89,951 | $141,352 | $199,178 | $288,355 |
| Mount Upton | $49,886 | $81,500 | $126,136 | $186,534 | $247,046 |
| Mount Vision | $50,099 | $92,222 | $157,654 | $229,259 | $314,716 |
| New Berlin | $33,689 | $60,166 | $103,333 | $159,778 | $238,577 |
| New Lisbon | $31,679 | $66,358 | $124,062 | $182,037 | $270,556 |
| Oneonta | $104,056 | $140,260 | $176,623 | $230,556 | $307,530 |
| Otego | $46,897 | $103,448 | $160,920 | $206,897 | $278,910 |
| Portlandville | $34,308 | $98,558 | $131,410 | $177,212 | $218,205 |
| Richfield Springs | $59,063 | $103,281 | $151,719 | $242,344 | $359,375 |
| Richmondville | $27,799 | $56,422 | $93,693 | $179,472 | $225,918 |
| Roseboom | $45,487 | $97,452 | $155,530 | $211,346 | $301,269 |
| Schenevus | $49,077 | $85,385 | $133,590 | $196,667 | $280,000 |
| Sidney | $40,023 | $90,796 | $105,909 | $130,966 | $169,022 |
| South New Berlin | $51,666 | $95,106 | $148,886 | $220,787 | $291,243 |
| Springfield Center | $56,358 | $91,000 | $145,928 | $248,393 | $364,143 |
| Unadilla | $50,227 | $93,864 | $130,455 | $174,091 | $235,682 |
| Wells Bridge | $74,591 | $88,182 | $114,091 | $153,182 | $182,636 |
| West Burlington | $64,000 | $99,000 | $154,000 | $210,000 | $330,000 |
| West Edmeston | $34,030 | $63,702 | $119,200 | $167,300 | $252,680 |
| Westford | $31,733 | $56,133 | $110,667 | $197,082 | $326,039 |
| West Oneonta | $87,980 | $134,788 | $188,542 | $266,805 | $327,597 |
| West Winfield | $42,216 | $80,678 | $128,808 | $196,607 | $278,823 |
| Worcester | $53,440 | $97,446 | $140,482 | $194,954 | $256,304 |
| Cobleskill | N/A | N/A | N/A | N/A | N/A |
| Franklin | N/A | N/A | N/A | N/A | N/A |
| Leonardsville | N/A | N/A | N/A | N/A | N/A |
| Schuyler Lake | N/A | N/A | N/A | N/A | N/A |
| Sharon Springs | N/A | N/A | N/A | N/A | N/A |
| Van Hornesville | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Otsego County, New York
How are property tax bills calculated in Otsego County, New York?
Property tax bills are based on the assessed value of a home and the local tax rate set by taxing authorities. In Otsego County, a home with a median market value of $162,338 can face very different tax bills depending on where it is located and how it is assessed. The county’s property tax burden is not uniform: the 25th percentile tax bill is $1,875, while the 75th percentile is $4,752 and the 90th percentile reaches $6,623. That means homeowners with similar homes may pay very different amounts.
What factors affect the bill? Local assessment practices, municipal tax rates, and the specific city or town all play a role. For example, the highest median tax bill is $4,522 in Cooperstown, while the lowest median tax bill is $881 in Davenport. For homeowners, this can significantly affect monthly housing costs and long-term affordability.
Median Otsego County Tax Bill
$3,172
Median New York Tax Bill
$5,420
Median United States Tax Bill
$2,400
Property Tax Bills Across Otsego County, New York
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bainbridge | $733 | $1,545 | $2,414 | $3,310 | $4,221 |
| Burlington Flats | $724 | $1,449 | $2,430 | $3,719 | $5,144 |
| Canajoharie | $1,462 | $2,584 | $3,707 | $5,420 | $6,540 |
| Charlotteville | $607 | $1,122 | $1,448 | $2,238 | $3,523 |
| Cherry Valley | $813 | $1,589 | $2,699 | $4,121 | $6,125 |
| Cooperstown | $1,331 | $2,659 | $4,522 | $6,913 | $10,580 |
| Davenport | $260 | $490 | $881 | $1,178 | $1,915 |
| East Springfield | $597 | $1,151 | $2,261 | $3,322 | $5,696 |
| East Worcester | $778 | $1,410 | $2,282 | $3,264 | $4,459 |
| Edmeston | $742 | $1,372 | $2,166 | $3,296 | $4,425 |
| Fly Creek | $1,164 | $2,116 | $3,631 | $5,289 | $7,347 |
| Garrattsville | $1,073 | $1,808 | $3,111 | $3,972 | $6,485 |
| Gilbertsville | $1,221 | $2,005 | $3,058 | $4,173 | $5,564 |
| Hartwick | $961 | $1,566 | $2,358 | $3,602 | $4,984 |
| Jordanville | $1,161 | $1,749 | $3,050 | $4,898 | $5,954 |
| Laurens | $1,012 | $2,112 | $3,275 | $4,431 | $6,305 |
| Maryland | $964 | $1,832 | $2,962 | $4,323 | $5,878 |
| Milford | $1,142 | $2,071 | $3,088 | $4,291 | $5,784 |
| Morris | $915 | $1,731 | $2,925 | $4,284 | $6,324 |
| Mount Upton | $830 | $1,358 | $2,121 | $3,259 | $5,000 |
| Mount Vision | $992 | $1,811 | $3,053 | $4,531 | $6,196 |
| New Berlin | $663 | $1,309 | $2,143 | $3,411 | $5,147 |
| New Lisbon | $791 | $1,430 | $2,906 | $4,050 | $6,043 |
| Oneonta | $2,127 | $3,184 | $4,327 | $5,610 | $7,385 |
| Otego | $902 | $1,993 | $3,315 | $4,628 | $6,117 |
| Portlandville | $857 | $1,187 | $2,235 | $3,052 | $4,082 |
| Richfield Springs | $802 | $1,540 | $2,542 | $3,702 | $5,080 |
| Richmondville | $947 | $1,285 | $2,776 | $4,334 | $5,306 |
| Roseboom | $722 | $1,317 | $2,198 | $3,476 | $4,219 |
| Schenevus | $871 | $1,720 | $2,796 | $4,248 | $6,204 |
| Sidney | $411 | $1,141 | $1,753 | $2,556 | $3,432 |
| South New Berlin | $958 | $1,764 | $2,848 | $4,191 | $5,489 |
| Springfield Center | $626 | $1,146 | $2,008 | $3,254 | $5,112 |
| Unadilla | $870 | $1,695 | $2,743 | $3,969 | $5,396 |
| Wells Bridge | $794 | $1,412 | $2,373 | $3,171 | $3,872 |
| West Burlington | $1,421 | $1,782 | $2,529 | $3,626 | $4,881 |
| West Edmeston | $396 | $881 | $1,382 | $2,283 | $3,451 |
| Westford | $496 | $988 | $2,341 | $4,223 | $5,640 |
| West Oneonta | $1,496 | $2,491 | $3,864 | $5,539 | $6,922 |
| West Winfield | $327 | $615 | $985 | $1,453 | $2,000 |
| Worcester | $1,064 | $2,001 | $3,255 | $4,691 | $6,447 |
| Cobleskill | N/A | N/A | N/A | N/A | N/A |
| Franklin | N/A | N/A | N/A | N/A | N/A |
| Leonardsville | N/A | N/A | N/A | N/A | N/A |
| Schuyler Lake | N/A | N/A | N/A | N/A | N/A |
| Sharon Springs | N/A | N/A | N/A | N/A | N/A |
| Van Hornesville | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to file a grievance!
Dates | |
|---|---|
| Appeal Deadline | May 26 |
Links | |
|---|---|
| Otsego Assessment Review Commission | |
| Website | otsegocountygis.mapxpress.net |
Frequently Asked Property Tax Questions in Otsego County, New York
How are property taxes calculated in Otsego County, New York?
How do I appeal my property taxes in Otsego County, New York?
What property tax exemptions are available in Otsego County, New York?
When are property taxes due in Otsego County, New York?
How can Ownwell help reduce my property taxes in Otsego County, New York?
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