Property Taxes in Montgomery, New York
Median Montgomery, New York effective property tax rate: 2.19%, significantly higher than the national median of 1.02%, and higher than the New York state median of 1.90%.
Median Montgomery, New York home value: $392,000
Median annual Montgomery, New York tax bill: $9,226, $6,826 higher than the national median property tax bill of $2,400.
How are property taxes in Orange County calculated?
Property taxes in Montgomery, 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 Montgomery's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Montgomery, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Montgomery Property Tax Calculator Work?
Use this Montgomery property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Montgomery's median effective tax rate of 2.19% — based on actual property records in Orange 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 Montgomery'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 Montgomery: rates range from 9226 in 12549 to 9226 in 12549, 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 Montgomery.
About Montgomery Property Taxes
About Property Taxes in Montgomery, Orange, New York
Montgomery’s median effective property tax rate of 2.19% is higher than the New York state median of 1.90% and higher than the national median of 1.02%. This rate reflects the Orange 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 Montgomery. Homeowners in the 12549 ZIP code carry a median effective rate of 2.19%, while those in the lowest ZIP code pay 2.19%. This spread reflects how school district boundaries and local assessment districts are drawn across Orange County. Understanding which part of Montgomery you live in can make a meaningful difference to your annual tax bill.
Montgomery 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 Montgomery, Orange 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 Montgomery'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 Montgomery Tax Rate
2.19%
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 Orange County Tax Rate
2.38%
Median Effective New York Tax Rate
1.90%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Montgomery, Orange County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12549 | 2.07% | 2.08% | 2.19% | 2.61% | 2.61% |
Source: Ownwell
Property Tax Assessment Values Across Montgomery, Orange County, New York
When examining property taxes in Montgomery, 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. Orange 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 Orange 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. By understanding how assessed and market values are determined, property owners can better navigate property taxes in Montgomery.
For example, the median home price in Montgomery is $392,000, with tax bills ranging significantly across the county. ZIP code 12549 has the highest median home price at $392,000.
Property Tax Assessment Values Across Montgomery, Orange County, New York
Source: Ownwell
$154,900
$359,450
$564,000
Median Montgomery Market Value
$392,000
Median Orange County Market Value
$322,400
Median New York Market Value
$312,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Montgomery, Orange County, New York
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12549 | $235,700 | $315,850 | $392,000 | $518,200 | $637,050 |
Source: Ownwell
Property Tax Bills Across Montgomery, Orange County, New York
Montgomery property tax bills 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 the tax rate set by the county, town, school district, and other local governments.
For a home with a median value of $392,000, property taxes can be significant. In Montgomery, the median property tax bill is $9,226, which is well above the national median property tax bill of $2,400 and the national median property tax rate of 1.02%. Bills also vary widely across the area, with the 25th percentile at $7,237 and the 75th percentile at $11,704.
Because property taxes are tied to assessed value and local rates, homeowners with similar homes may still pay different amounts. Higher assessments or higher tax rates can increase the bill, making property taxes a major ongoing cost for Montgomery homeowners.
Median Montgomery Tax Bill
$9,226
Median Orange County Tax Bill
$8,003
Median New York Tax Bill
$5,420
Median United States Tax Bill
$3,209
Property Tax Bills Across Montgomery, Orange County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12549 | $5,313 | $7,237 | $9,226 | $11,704 | $13,831 |
Source: Ownwell
Don't miss the deadline to file a grievance!
Dates | |
|---|---|
| Appeal Deadline | May 26 |
Links | |
|---|---|
| Orange Assessment Review Commission | |
| Website | gis.orangecountygov.com |