Cato, Cayuga County, New York Property Taxes

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Property Taxes in Cato, New York

Median Cato, New York effective property tax rate: 2.06%, significantly higher than the national median of 1.02%, and higher than the New York state median of 1.90%.
Median Cato, New York home value: $147,500
Median annual Cato, New York tax bill: $2,992, $592 higher than the national median property tax bill of $2,400.

How are property taxes in Cayuga calculated?

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

Last Updated April 13, 2026

Cato, Cayuga County, New York Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

2.06%

Estimate Property Tax Bill

$3,039

$2,820

How Does the Cato Property Tax Calculator Work?

Use this Cato property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Cato's median effective tax rate of 2.06% — based on actual property records in Cayuga 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 Cato's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.

Cato's median effective tax rate is higher than the New York median tax rate of 1.90%, and the median property tax bill is $2,992, which is $592 higher than the state median. Your bill may vary by ZIP code within Cato, with the highest and lowest median tax bill both at $2,992 in 13033.

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

About Cato Property Taxes

About Property Taxes in Cato, Cayuga, New York

Cato’s median effective property tax rate of 2.06% is higher than the New York state median of 1.90% and higher than the national median of 1.02%. This rate reflects the Cayuga 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 Cato. Homeowners in the 13033 ZIP code carry a median effective rate of 2.06%, while those in the same ZIP code pay 2.06%. This spread reflects how school district boundaries and local assessment districts are drawn across Cayuga County. Understanding which part of Cato you live in can make a meaningful difference to your annual tax bill.

Cato 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 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 Cato, Cayuga 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 Cato'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 Cato, Cayuga County, New York

Source: Ownwell

1.00%

1.62%

2.24%

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 Cato Tax Rate

2.06%

Median Effective Cayuga County Tax Rate

1.94%

Median Effective New York Tax Rate

1.90%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Cato, Cayuga County, New York

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
13033	1.11%	1.71%	2.06%	2.29%	2.64%

Source: Ownwell

Property Tax Assessment Values Across Cato, Cayuga County, New York

When examining property taxes in Cato, 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. Cayuga County 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 Cayuga 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 Cato.

For example, the median home price in Cato is $147,500, with tax bills ranging significantly across the county. 13033 has the highest median home price at $147,500.

Property Tax Assessment Values Across Cato, Cayuga County, New York

Source: Ownwell

$119,149

$322,190

$525,231

Median Cato Market Value

$147,500

Median Cayuga County Market Value

$168,636

Median New York Market Value

$312,500

Median United States Market Value

$235,294

Property Tax Assessment Values Across Cato, Cayuga County, New York

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
13033	$62,406	$106,143	$147,500	$211,356	$300,286

Source: Ownwell

Property Tax Bills Across Cato, Cayuga County, New York

Property tax bills in Cato are based on the assessed value of a home and the local tax rate set by taxing authorities in Cayuga County. When a property is reassessed, its market value is reviewed and that value helps determine the final bill. For a home with a median price of $147,500, the tax bill can vary widely depending on location, exemptions, and local levies.

Homeowners in Cato typically see bills that reflect how their property compares with others in the area. The 25th percentile tax bill is $1,899, while the 75th percentile is $4,292 and the 90th percentile reaches $5,999. The median tax bill in the area is $2,992, which is above the national median property tax bill of $2,400 and above the national median property tax rate of 1.02%. That means property taxes can take a larger share of a homeowner’s budget, especially if assessed values rise faster than expected.

Property Tax Bills Across Cato, Cayuga County, New York

Source: Ownwell

$1,465

$4,422

$7,379

Median Cato Tax Bill

$2,992

Median Cayuga County Tax Bill

$3,048

Median New York Tax Bill

$5,420

Median United States Tax Bill

$2,400

Property Tax Bills Across Cato, Cayuga County, New York

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
13033	$1,007	$1,899	$2,992	$4,292	$5,999

Source: Ownwell

Don't miss the deadline to file a grievance!

Dates
Appeal Deadline	May 26

Links
Cayuga Assessment Review Commission
Website	ccgis.cayugacounty.us

Frequently Asked Property Tax Questions in Cato, New York

How are property taxes calculated in Cato, New York?

Property taxes in Cato, 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 Cato, New York?

To appeal your property taxes in Cato, 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 Cato, New York?

Common property tax exemptions in Cato, 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 Cato, New York?

Property tax deadlines in Cato, 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 Cato, New York?

Ownwell provides professional property tax appeal services in Cato, 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.