Waterford, Crawford County, Pennsylvania Property Taxes
Property Taxes in Waterford, Pennsylvania
Median Waterford, Pennsylvania effective property tax rate: 1.86%, significantly lower than the national median of 1.02%, and lower than the Pennsylvania state median of 2.75%.
Median Waterford, Pennsylvania home value: $32,158
Median annual Waterford, Pennsylvania tax bill: $599, lower than the national median property tax bill of $2,400.
How are property taxes in Crawford calculated?
Property taxes in Waterford, Pennsylvania 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 Waterford's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Waterford, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Waterford, Crawford County, Pennsylvania Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.86%
Estimate Property Tax Bill
$598
$555
How Does the Waterford Property Tax Calculator Work?
Use this Waterford property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Waterford's median effective tax rate of 1.86% — based on actual property records in Crawford 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 Waterford'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 Waterford: rates range from 1.86% in 16441 to 1.86% in 16441, 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 Waterford.
About Waterford Property Taxes
About Property Taxes in Waterford, Crawford, PA
Waterford’s median effective property tax rate of 1.86% is higher than the Pennsylvania state median of 2.75% and higher than the national median of 1.02%. This rate reflects the Crawford County base levy combined with local school district levies and special taxing districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Waterford. Homeowners in the 16441 ZIP code carry a median effective rate of 1.86%, while those in the same ZIP code pay 1.86%. This spread — 0 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Crawford County. Understanding which part of Waterford you live in can make a meaningful difference to your annual tax bill.
Waterford homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the August 1, 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 Waterford, Crawford County, Pennsylvania
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 Waterford's effective property tax rate to other cities in Pennsylvania and the median property tax rates in Pennsylvania 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 Waterford Tax Rate
1.86%
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 Crawford County Tax Rate
2.09%
Median Effective Pennsylvania Tax Rate
2.75%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Waterford, Crawford County, Pennsylvania
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 16441 | 1.86% | 1.86% | 1.86% | 1.86% | 1.86% |
Source: Ownwell
Property Tax Assessment Values Across Waterford, Crawford County, Pennsylvania
When examining property taxes in Waterford, Pennsylvania, 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 Crawford 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 Crawford 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 Waterford.
For example, the median home price in Waterford is $32,158, with tax bills ranging significantly across the county. 16441 has the highest median home price at $32,158.
Property Tax Assessment Values Across Waterford, Crawford County, Pennsylvania
Source: Ownwell
$18,001
$30,184
$42,366
Median Waterford Market Value
$32,158
Median Crawford County Market Value
$29,700
Median Pennsylvania Market Value
$118,310
Median United States Market Value
$235,294
Property Tax Assessment Values Across Waterford, Crawford County, Pennsylvania
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 16441 | $6,615 | $21,750 | $32,158 | $38,315 | $48,664 |
Source: Ownwell
Property Tax Bills Across Waterford, Crawford County, Pennsylvania
Waterford property tax bills are based on the assessed value of a home, not its market price. Local taxing authorities apply the tax rate to that assessed value to determine the annual bill, so changes in assessment can directly affect what homeowners owe. In Crawford County, the median home price is $32,158, which helps show how local property taxes are tied to home value.
For Waterford homeowners, the typical tax bill falls between $405 at the 25th percentile and $714 at the 75th percentile, with the 90th percentile reaching $907. The median tax bill in the area is $599, which is well below the national median property tax bill of $2,400. That means many homeowners in Waterford pay less than the national average, but even small changes in assessed value or local tax rates can still raise the bill.
Median Waterford Tax Bill
$599
Median Crawford County Tax Bill
$669
Median Pennsylvania Tax Bill
$3,050
Median United States Tax Bill
$2,400
Property Tax Bills Across Waterford, Crawford County, Pennsylvania
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 16441 | $123 | $405 | $599 | $714 | $907 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | August 1 |
Links | |
|---|---|
| Crawford Tax Assessor | |
| Website | crawford.civ.quest |