Property Taxes in Malta, New York
Median Malta, New York effective property tax rate: 1.41%, significantly lower than the national median of 1.02%, and lower than the New York state median of 1.90%.
Median Malta, New York home value: $347,500
Median annual Malta, New York tax bill: $4,927, $2,527 higher than the national median property tax bill of $2,400.
How are property taxes in Saratoga calculated?
Property taxes in Malta, 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 Malta's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Malta, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Malta Property Tax Calculator Work?
Use this Malta property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Malta's median effective tax rate of 1.41% — based on actual property records in Saratoga 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 Malta'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 Malta: rates range from 1.41% in 12020 to 1.41% in 12020, 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 Malta.
About Malta Property Taxes
About Property Taxes in Malta, Saratoga, New York
Malta’s median effective property tax rate of 1.41% is lower than the New York state median of 1.90% and higher than the national median of 1.02%. This rate reflects the Saratoga 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 Malta. Homeowners in the 12020 ZIP code carry a median effective rate of 1.41%, while those in the same ZIP code pay 1.41%. This spread reflects how school district boundaries and local assessment districts are drawn across Saratoga County. Understanding which part of Malta you live in can make a meaningful difference to your annual tax bill.
Malta 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 Malta, Saratoga 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 Malta'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 Malta Tax Rate
1.41%
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 Saratoga County Tax Rate
1.49%
Median Effective New York Tax Rate
1.90%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Malta, Saratoga County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12020 | 1.41% | 1.41% | 1.41% | 1.41% | 1.44% |
Source: Ownwell
Property Tax Assessment Values Across Malta, Saratoga County, New York
When examining property taxes in Malta, 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 Saratoga 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 Saratoga 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 Malta.
For example, the median home price in Malta is $347,500, with tax bills ranging significantly across the county. 12020 has the highest median home price at $347,500.
Property Tax Assessment Values Across Malta, Saratoga County, New York
Source: Ownwell
$160,305
$309,545
$458,784
Median Malta Market Value
$347,500
Median Saratoga County Market Value
$343,400
Median New York Market Value
$312,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Malta, Saratoga County, New York
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12020 | $240,100 | $280,000 | $347,500 | $369,750 | $458,400 |
Source: Ownwell
Property Tax Bills Across Malta, Saratoga County, New York
Property tax bills in Malta are based on the assessed value of a home, not its market price alone. Local tax rates are applied to that assessed value, and the final bill reflects how the property is classified, the taxing jurisdictions that apply, and any exemptions a homeowner may receive.
With a median home price of $347,500, property taxes can be a significant part of homeownership costs. The median tax bill in the area is $4,927, which is well above the national median property tax bill of $2,400 and the national median property tax rate of 1.02%. That means many homeowners in Malta face a heavier annual tax burden than the typical U.S. homeowner.
Tax bills also vary across the area. The 25th percentile tax bill is $3,942, while the 75th percentile reaches $5,263 and the 90th percentile climbs to $6,476. For homeowners, that range shows how differences in assessed value and local tax settings can directly affect what they owe each year.
Median Malta Tax Bill
$4,927
Median Saratoga County Tax Bill
$5,045
Median New York Tax Bill
$5,420
Median United States Tax Bill
$3,209
Property Tax Bills Across Malta, Saratoga County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12020 | $3,380 | $3,942 | $4,927 | $5,263 | $6,476 |
Source: Ownwell
Don't miss the deadline to file a grievance!
Dates | |
|---|---|
| Appeal Deadline | May 26 |
Links | |
|---|---|
| Saratoga Assessment Review Commission | |
| Website | saratogacounty.prosgar.com |