Property Taxes in Elmira, New York
Median Elmira, New York effective property tax rate: 3.02%, significantly higher than the national median of 1.02%, and higher than the New York state median of 1.90%.
Median Elmira, New York home value: $90,200
Median annual Elmira, New York tax bill: $3,119, $719 higher than the national median property tax bill of $2,400.
How are property taxes in Chemung calculated?
Property taxes in Elmira, 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 Elmira's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Elmira, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Elmira Property Tax Calculator Work?
Use this Elmira property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Elmira's median effective tax rate of 3.02% — based on actual property records in Chemung 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 Elmira'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 Elmira: rates range from $2,597.00 in 14904 to $3,997.00 in 14905, 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 Elmira.
About Elmira Property Taxes
About Property Taxes in Elmira, Chemung, New York
Elmira’s median effective property tax rate of 3.02% is higher than the New York state median of 1.90% and higher than the national median of 1.02%. This rate reflects the Chemung 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 Elmira. Homeowners in the 14901 ZIP code carry a median effective rate of 4.18%, while those in 14902 pay 2.55%. This spread — 1.63 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Chemung County. Understanding which part of Elmira you live in can make a meaningful difference to your annual tax bill.
Elmira 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 Elmira, Chemung 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 Elmira'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 ÷ 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 Elmira Tax Rate
3.02%
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 Chemung County Tax Rate
2.57%
Median Effective New York Tax Rate
1.90%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Elmira, Chemung County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 14901 | 2.09% | 2.91% | 4.18% | 4.75% | 5.54% |
| 14902 | 2.26% | 2.53% | 2.55% | 3.08% | 3.14% |
| 14903 | 1.98% | 2.43% | 2.74% | 3.54% | 3.83% |
| 14904 | 1.69% | 2.36% | 3.11% | 4.44% | 5.00% |
| 14905 | 1.97% | 2.47% | 2.70% | 3.74% | 4.38% |
Source: Ownwell
Property Tax Assessment Values Across Elmira, Chemung County, New York
When examining property taxes in Elmira, 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 Chemung 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 Chemung County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month when notices are sent.
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 Elmira.
For example, the median home price in Elmira is $90,200, with tax bills ranging significantly across the county. 14905 has the highest median home price at $140,100.
Property Tax Assessment Values Across Elmira, Chemung County, New York
Source: Ownwell
$75,100
$132,350
$189,600
Median Elmira Market Value
$90,200
Median Chemung County Market Value
$119,700
Median New York Market Value
$312,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Elmira, Chemung County, New York
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 14901 | $42,600 | $57,400 | $75,100 | $97,200 | $147,500 |
| 14902 | $10,760 | $51,300 | $95,600 | $182,500 | $244,980 |
| 14903 | $65,700 | $89,175 | $120,950 | $188,525 | $317,500 |
| 14904 | $55,700 | $65,900 | $78,700 | $96,000 | $119,500 |
| 14905 | $78,700 | $103,250 | $140,100 | $190,000 | $262,100 |
Source: Ownwell
Property Tax Bills Across Elmira, Chemung County, New York
Property tax bills in Elmira are based on the assessed value of a home and the local tax rate set by the county and other taxing authorities. For homeowners, the bill is calculated by applying the tax rate to the home’s assessed value, so a higher assessment generally means a higher tax bill. In Chemung County, the median home price is $90,200, and property tax bills vary widely across the city.
The typical bill in Elmira reflects both the value of the property and the local levy, which helps fund public services. The 25th percentile tax bill is $2,230, while the 75th percentile is $4,089, showing how much bills can differ from one homeowner to another. At the high end, the 90th percentile reaches $5,551. Bills are also not uniform across ZIP codes, with the highest median tax bill at $3,997 in 14905 and the lowest at $2,597 in 14904.
Median Elmira Tax Bill
$3,119
Median Chemung County Tax Bill
$3,358
Median New York Tax Bill
$5,420
Median United States Tax Bill
$3,209
Property Tax Bills Across Elmira, Chemung County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 14901 | $1,599 | $2,231 | $2,978 | $3,792 | $4,588 |
| 14902 | $441 | $1,303 | $2,703 | $5,036 | $6,380 |
| 14903 | $1,616 | $2,487 | $3,692 | $5,427 | $8,463 |
| 14904 | $1,265 | $1,876 | $2,597 | $3,329 | $3,935 |
| 14905 | $2,340 | $3,170 | $3,997 | $5,192 | $7,154 |
Source: Ownwell
Don't miss the deadline to file a grievance!
Dates | |
|---|---|
| Appeal Deadline | May 26 |
Links | |
|---|---|
| Chemung Assessment Review Commission | |
| Website | www.arcgis.com |