Bradford, Steuben County, New York Property Taxes
Property Taxes in Bradford, New York
Median Bradford, New York effective property tax rate: 3.15%, significantly higher than the national median of 1.02%, and higher than the New York state median of 1.90%.
Median Bradford, New York home value: $102,000
Median annual Bradford, New York tax bill: $3,154, higher than the national median property tax bill of $2,400.
How are property taxes in Steuben County calculated?
Property taxes in Bradford, 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 Bradford's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Bradford, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Bradford, Steuben County, New York Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
3.15%
Estimate Property Tax Bill
$3,213
$2,982
How Does the Bradford Property Tax Calculator Work?
Use this Bradford property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Bradford's median effective tax rate of 3.15% — based on actual property records in Steuben County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment office uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Bradford'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 Bradford: rates range from 3.15% in 14815 to 3.15% in 14815, 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 Bradford.
About Bradford Property Taxes
About Property Taxes in Bradford, Steuben, New York
Bradford’s median effective property tax rate of 3.15% is higher than the New York state median of 1.90% and higher than the national median of 1.02%. This rate reflects the Steuben 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 Bradford. Homeowners in the 14815 ZIP code carry a median effective rate of 3.15%, while those in the lowest ZIP code also pay 3.15%. This spread reflects how school district boundaries and local assessment districts are drawn across Steuben County. Understanding which part of Bradford you live in can make a meaningful difference to your annual tax bill.
Bradford homeowners who believe their assessed value is too high can file a formal appeal with the Assessment Review Commission before the May 26, 2026 deadline each year.
If your estimated bill 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 Bradford, Steuben 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 Bradford'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 Bradford Tax Rate
3.15%
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 Steuben County Tax Rate
2.80%
Median Effective New York Tax Rate
1.90%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Bradford, Steuben County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 14815 | 2.14% | 3.15% | 3.15% | 3.15% | 3.15% |
Source: Ownwell
Property Tax Assessment Values Across Bradford, Steuben County, New York
When examining property taxes in Bradford, 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 Steuben County assessment office 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 Steuben 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 Bradford is $102,000, with a median tax bill of $3,154. That compares with the national median property tax rate of 1.02% and a national median property tax bill of $2,400.
Property Tax Assessment Values Across Bradford, Steuben County, New York
Source: Ownwell
$77,248
$236,489
$395,730
Median Bradford Market Value
$102,000
Median Steuben County Market Value
$121,976
Median New York Market Value
$312,500
Median United States Market Value
$235,294
Property Tax Assessment Values Across Bradford, Steuben County, New York
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 14815 | $32,400 | $65,000 | $102,000 | $194,000 | $265,000 |
Source: Ownwell
Property Tax Bills Across Bradford, Steuben County, New York
Property tax bills in Bradford are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. Local taxing authorities use that assessment to determine how much each homeowner owes, and the final bill can vary depending on exemptions, school district levies, and other local charges.
With a median home price of $102,000, property taxes can still take a meaningful share of a homeowner’s budget. The 25th percentile tax bill is $1,892, while the 75th percentile is $5,539 and the 90th percentile reaches $7,758. The median tax bill in ZIP code 14815 is $3,154, which is above the national median property tax bill of $2,400 and reflects how local assessments can create higher costs for many homeowners.
For homeowners, this means property taxes are not fixed by home price alone. Changes in assessed value or local rates can raise or lower the bill from year to year.
Median Bradford Tax Bill
$3,154
Median Steuben County Tax Bill
$3,388
Median New York Tax Bill
$5,420
Median United States Tax Bill
$2,400
Property Tax Bills Across Bradford, Steuben County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 14815 | $978 | $1,892 | $3,154 | $5,539 | $7,758 |
Source: Ownwell
Don't miss the deadline to file a grievance!
Dates | |
|---|---|
| Appeal Deadline | May 26 |
Links | |
|---|---|
| Steuben Assessment Review Commission | |
| Website | imo.steubencountyny.gov |