Rochester, Monroe County, New York Property Taxes
Property Taxes in Rochester, New York
Median Rochester, New York effective property tax rate: 2.43%, significantly higher than the national median of 1.02%, and higher than the New York state median of 1.90%.
Median Rochester, New York home value: $183,700
Median annual Rochester, New York tax bill: $4,044, $1,644 higher than the national median property tax bill of $2,400.
How are property taxes in Monroe calculated?
Property taxes in Rochester, 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 Rochester's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Rochester, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Rochester, Monroe County, New York Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
2.43%
Estimate Property Tax Bill
$4,464
$4,142
How Does the Rochester Property Tax Calculator Work?
Use this Rochester property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Rochester's median effective tax rate of 2.43% — based on actual property records in Monroe County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment system uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Rochester'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 Rochester: rates range from $708.00 in 14605 to $9,028.00 in 14618, primarily due to differences in school district levies and local assessment districts.
Rochester's median property tax rate is higher than New York's 1.90% median and above the national median property tax rate of 1.02%. The median property tax bill is $4,044, which is $1,644 higher than the state median property tax bill.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Rochester.
About Rochester Property Taxes
About Property Taxes in Rochester, Monroe, New York
Rochester’s median effective property tax rate of 2.43% is higher than the New York state median of 1.90% and higher than the national median of 1.02%. This rate reflects the Monroe 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 Rochester. Homeowners in the 14616 ZIP code carry a median effective rate of 3.27%, while those in 14614 pay 0.94%. This spread — 2.33 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Monroe County. Understanding which part of Rochester you live in can make a meaningful difference to your annual tax bill.
Rochester 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 Rochester, Monroe 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 Rochester'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 Rochester Tax Rate
2.43%
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 Monroe County Tax Rate
2.44%
Median Effective New York Tax Rate
1.90%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Rochester, Monroe County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 14604 | 0.94% | 0.94% | 0.94% | 0.94% | 0.94% |
| 14605 | 0.94% | 0.94% | 0.94% | 0.94% | 0.94% |
| 14606 | 0.94% | 0.94% | 3.16% | 3.45% | 3.45% |
| 14607 | 0.94% | 0.94% | 0.94% | 0.94% | 0.94% |
| 14608 | 0.94% | 0.94% | 0.94% | 0.94% | 0.94% |
| 14609 | 0.94% | 0.94% | 0.94% | 1.43% | 1.44% |
| 14610 | 0.94% | 0.94% | 0.94% | 3.06% | 3.15% |
| 14611 | 0.94% | 0.94% | 0.94% | 0.94% | 0.94% |
| 14612 | 0.94% | 1.90% | 3.03% | 3.08% | 3.09% |
| 14613 | 0.94% | 0.94% | 0.94% | 0.94% | 0.94% |
| 14614 | 0.94% | 0.94% | 0.94% | 0.94% | 0.94% |
| 14615 | 0.94% | 0.94% | 0.94% | 3.26% | 3.28% |
| 14616 | 2.69% | 3.08% | 3.27% | 3.29% | 3.31% |
| 14617 | 3.06% | 3.21% | 3.21% | 3.21% | 3.23% |
| 14618 | 2.95% | 3.02% | 3.09% | 3.17% | 3.22% |
| 14619 | 0.90% | 0.94% | 0.94% | 0.94% | 0.94% |
| 14620 | 0.94% | 0.94% | 0.94% | 0.94% | 2.99% |
| 14621 | 0.94% | 0.94% | 0.94% | 0.94% | 0.94% |
| 14622 | 1.18% | 1.25% | 1.26% | 1.43% | 1.43% |
| 14623 | 1.69% | 2.43% | 2.44% | 2.47% | 2.69% |
| 14624 | 2.57% | 2.65% | 3.12% | 3.45% | 3.47% |
| 14625 | 2.35% | 2.43% | 2.65% | 2.72% | 3.01% |
| 14626 | 2.78% | 3.06% | 3.14% | 3.27% | 3.28% |
Source: Ownwell
Property Tax Assessment Values Across Rochester, Monroe County, New York
When examining property taxes in Rochester, 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 Monroe County tax assessor 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 Monroe 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 Rochester.
For example, the median home price in Rochester is $183,700, with tax bills ranging significantly across the county. 14604 has the highest median home price at $650,000.
Property Tax Assessment Values Across Rochester, Monroe County, New York
Source: Ownwell
$78,000
$364,000
$650,000
Median Rochester Market Value
$183,700
Median Monroe County Market Value
$217,100
Median New York Market Value
$312,500
Median United States Market Value
$235,294
Property Tax Assessment Values Across Rochester, Monroe County, New York
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 14604 | $296,500 | $641,425 | $650,000 | $660,000 | $910,000 |
| 14605 | $52,000 | $64,400 | $78,000 | $98,125 | $129,900 |
| 14606 | $65,900 | $100,900 | $149,200 | $180,500 | $208,100 |
| 14607 | $172,420 | $236,300 | $325,000 | $415,500 | $509,840 |
| 14608 | $45,770 | $64,800 | $82,900 | $127,000 | $227,130 |
| 14609 | $95,700 | $126,900 | $167,400 | $197,800 | $230,400 |
| 14610 | $170,000 | $207,450 | $265,600 | $400,800 | $595,900 |
| 14611 | $52,700 | $71,400 | $96,870 | $127,500 | $158,000 |
| 14612 | $144,300 | $170,700 | $223,800 | $282,100 | $354,900 |
| 14613 | $66,600 | $81,200 | $108,000 | $136,000 | $166,300 |
| 14614 | $337,900 | $353,400 | $365,000 | $399,600 | $401,840 |
| 14615 | $103,700 | $122,000 | $142,800 | $184,000 | $224,400 |
| 14616 | $116,500 | $137,600 | $163,900 | $201,200 | $243,700 |
| 14617 | $166,300 | $182,600 | $202,200 | $231,500 | $298,240 |
| 14618 | $182,860 | $253,100 | $313,800 | $423,700 | $594,700 |
| 14619 | $101,500 | $119,400 | $139,100 | $158,000 | $180,000 |
| 14620 | $140,610 | $178,175 | $222,000 | $268,500 | $330,970 |
| 14621 | $57,840 | $70,000 | $86,200 | $117,550 | $140,900 |
| 14622 | $148,900 | $165,200 | $185,900 | $212,000 | $270,700 |
| 14623 | $150,180 | $176,600 | $204,300 | $229,100 | $261,700 |
| 14624 | $143,900 | $170,100 | $205,500 | $255,300 | $314,720 |
| 14625 | $190,000 | $226,000 | $268,600 | $333,925 | $423,460 |
| 14626 | $153,500 | $182,225 | $221,500 | $276,800 | $346,900 |
Source: Ownwell
Property Tax Bills Across Rochester, Monroe County, New York
Property tax bills in Rochester are based on the assessed value of a home, not its market value alone. Local taxing authorities apply tax rates to that assessment, and the final bill reflects the combined impact of city, county, school, and other local levies. For homeowners, this means two houses with similar market prices can still have very different tax bills if their assessed values or tax rates differ.
In Rochester, the median home price is $183,700, while the property tax bill can vary widely across the city. The 25th percentile tax bill is $1,380, compared with the 75th percentile at $6,555 and the 90th percentile at $8,697. That spread shows how location and assessment differences can significantly affect what homeowners owe.
Some neighborhoods face much higher bills than others, with the highest median tax bill reaching $9,028 in ZIP code 14618, while the lowest median tax bill is $708 in ZIP code 14605.
Median Rochester Tax Bill
$4,044
Median Monroe County Tax Bill
$4,927
Median New York Tax Bill
$5,420
Median United States Tax Bill
$2,400
Property Tax Bills Across Rochester, Monroe County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 14604 | $3,179 | $5,983 | $6,086 | $6,180 | $8,521 |
| 14605 | $439 | $575 | $708 | $902 | $1,187 |
| 14606 | $597 | $986 | $4,570 | $5,871 | $6,749 |
| 14607 | $1,485 | $2,156 | $2,988 | $3,847 | $4,712 |
| 14608 | $422 | $598 | $774 | $1,180 | $2,117 |
| 14609 | $820 | $1,155 | $1,716 | $2,490 | $2,942 |
| 14610 | $1,655 | $2,139 | $3,907 | $7,746 | $14,975 |
| 14611 | $458 | $633 | $880 | $1,175 | $1,464 |
| 14612 | $1,418 | $3,406 | $6,490 | $8,265 | $10,245 |
| 14613 | $585 | $737 | $983 | $1,262 | $1,539 |
| 14614 | $2,476 | $3,208 | $3,309 | $3,535 | $3,764 |
| 14615 | $899 | $1,147 | $1,477 | $5,640 | $7,217 |
| 14616 | $3,303 | $4,261 | $5,130 | $6,329 | $7,620 |
| 14617 | $5,091 | $5,823 | $6,472 | $7,427 | $9,519 |
| 14618 | $3,517 | $7,268 | $9,028 | $11,680 | $15,737 |
| 14619 | $804 | $1,061 | $1,271 | $1,463 | $1,672 |
| 14620 | $1,194 | $1,625 | $2,081 | $2,711 | $6,821 |
| 14621 | $498 | $630 | $780 | $1,080 | $1,312 |
| 14622 | $1,708 | $2,064 | $2,438 | $2,901 | $3,803 |
| 14623 | $2,744 | $4,055 | $4,934 | $5,609 | $6,504 |
| 14624 | $4,239 | $5,284 | $6,209 | $7,382 | $8,888 |
| 14625 | $4,382 | $5,747 | $7,182 | $9,024 | $11,248 |
| 14626 | $4,746 | $5,643 | $6,897 | $8,460 | $10,497 |
Source: Ownwell
Don't miss the deadline to file a grievance!
Dates | |
|---|---|
| Appeal Deadline | May 26 |
Links | |
|---|---|
| Monroe Assessment Review Commission | |
| Website | app.regrid.com |