Middle Grove, Saratoga County, New York Property Taxes

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Property Taxes in Middle Grove, New York

Median Middle Grove, New York effective property tax rate: 1.40%, significantly higher than the national median of 1.02%, and lower than the New York state median of 1.90%.
Median Middle Grove, New York home value: $261,283
Median annual Middle Grove, New York tax bill: $3,719, higher than the national median property tax bill of $2,400.

How are property taxes in Saratoga calculated?

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

Last Updated April 13, 2026

Middle Grove, Saratoga County, New York Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.4%

Estimate Property Tax Bill

$3,658

$3,394

How Does the Middle Grove Property Tax Calculator Work?

Use this Middle Grove property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Middle Grove's median effective tax rate of 1.40% — based on actual property records in Saratoga County — to generate your estimate.

Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Middle Grove'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 Middle Grove: rates range from 1.40% in 12850 to 1.40% in 12850, primarily due to differences in school district levies and local assessment districts.

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

About Middle Grove Property Taxes

About Property Taxes in Middle Grove, Saratoga, New York

Middle Grove's median effective property tax rate of 1.40% is lower than the New York state median of 1.90% and higher than the national median of 1.02%. This rate reflects the Saratoga 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 Middle Grove. Homeowners in the 12850 ZIP code carry a median effective rate of 1.40%, while those in the lowest ZIP code pay 1.40%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Saratoga County. Understanding which part of Middle Grove you live in can make a meaningful difference to your annual tax bill.

Middle Grove 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 Middle Grove, Saratoga 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 Middle Grove'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 Middle Grove, Saratoga County, New York

Source: Ownwell

0.56%

1.16%

1.77%

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 Middle Grove Tax Rate

1.40%

Median Effective Saratoga County Tax Rate

1.49%

Median Effective New York Tax Rate

1.90%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Middle Grove, Saratoga County, New York

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
12850	1.05%	1.36%	1.40%	1.67%	1.67%

Source: Ownwell

Property Tax Assessment Values Across Middle Grove, Saratoga County, New York

When examining property taxes in Middle Grove, 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 Saratoga 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 Saratoga 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 Middle Grove is $261,283, with a median tax bill of $3,719. Property tax bills range from $2,243 at the 25th percentile to $7,492 at the 90th percentile, and ZIP code 12850 has the highest median home price at $261,283.

Property Tax Assessment Values Across Middle Grove, Saratoga County, New York

Source: Ownwell

$160,305

$309,545

$458,784

Median Middle Grove Market Value

$261,283

Median Saratoga County Market Value

$343,400

Median New York Market Value

$312,500

Median United States Market Value

$235,294

Property Tax Assessment Values Across Middle Grove, Saratoga County, New York

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
12850	$86,732	$149,132	$261,283	$377,040	$520,531

Source: Ownwell

Property Tax Bills Across Middle Grove, Saratoga County, New York

Property tax bills in Middle Grove are calculated based on a home’s assessed value and the local tax rate set by Saratoga County and other taxing authorities. The assessed value is compared with the market value of the property, and that figure is used to determine how much tax a homeowner owes. For a home with a median price of $261,283, the property tax bill can vary widely depending on assessment levels and local levies.

The typical property tax bill in the area is $3,719, which is above the national median property tax bill of $2,400 and reflects a higher-than-average tax burden for many homeowners. Bills can be much lower or much higher depending on the property, with the 25th percentile at $2,243 and the 75th percentile at $5,419. At the 90th percentile, bills reach $7,492, showing how significantly taxes can affect household costs.

Property Tax Bills Across Middle Grove, Saratoga County, New York

Source: Ownwell

$1,683

$4,659

$7,635

Median Middle Grove Tax Bill

$3,719

Median Saratoga County Tax Bill

$5,045

Median New York Tax Bill

$5,420

Median United States Tax Bill

$2,400

Property Tax Bills Across Middle Grove, Saratoga County, New York

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
12850	$1,251	$2,243	$3,719	$5,419	$7,492

Source: Ownwell

Don't miss the deadline to file a grievance!

Dates
Appeal Deadline	May 26

Links
Saratoga Assessment Review Commission
Website	saratogacounty.prosgar.com

Frequently Asked Property Tax Questions in Middle Grove, New York

How are property taxes calculated in Middle Grove, New York?

Property taxes in Middle Grove, 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 Middle Grove, New York?

To appeal your property taxes in Middle Grove, 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 Middle Grove, New York?

Common property tax exemptions in Middle Grove, 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 Middle Grove, New York?

Property tax deadlines in Middle Grove, 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 Middle Grove, New York?

Ownwell provides professional property tax appeal services in Middle Grove, 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.