Property Taxes in Stillwater, New York
Median Stillwater, New York effective property tax rate: 1.55%, significantly higher than the national median of 1.02%, and lower than the New York state median of 1.90%.
Median Stillwater, New York home value: $274,206
Median annual Stillwater, New York tax bill: $3,952, $1,552 higher than the national median property tax bill of $2,400.
How are property taxes in Saratoga calculated?
Property taxes in Stillwater, 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 Stillwater's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Stillwater, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Stillwater Property Tax Calculator Work?
Use this Stillwater property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Stillwater's median effective tax rate of 1.55% — 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 Stillwater'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 Stillwater: rates range from 1.55% in 12170 to 1.55% in 12170, 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 Stillwater.
About Stillwater Property Taxes
About Property Taxes in Stillwater, Saratoga, New York
Stillwater’s median effective property tax rate of 1.55% 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 Stillwater. Homeowners in the 12170 ZIP code carry a median effective rate of 1.55%, while those in the same ZIP code also pay 1.55%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Saratoga County. Understanding which part of Stillwater you live in can make a meaningful difference to your annual tax bill.
Stillwater 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 Stillwater, 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 Stillwater'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 Ă· 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 Stillwater Tax Rate
1.55%
Our median effective property tax rate (tax bill Ă· 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 Stillwater, Saratoga County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12170 | 1.35% | 1.35% | 1.55% | 1.55% | 1.57% |
Source: Ownwell
Property Tax Assessment Values Across Stillwater, Saratoga County, New York
When examining property taxes in Stillwater, 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 are sent in the spring each year and typically reach mailboxes by the middle of the season. Each property owner receives a notice with both the market value and assessed value, along with an estimate of the property tax bill.
For example, the median home price in Stillwater is $274,206, with tax bills ranging across the county. ZIP code 12170 has the highest median home price at $274,206, and the median tax bill is $3,952, compared with the national median property tax bill of $2,400.
Property Tax Assessment Values Across Stillwater, Saratoga County, New York
Source: Ownwell
$160,305
$309,545
$458,784
Median Stillwater Market Value
$274,206
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 Stillwater, Saratoga County, New York
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12170 | $158,730 | $216,678 | $274,206 | $380,595 | $558,571 |
Source: Ownwell
Property Tax Bills Across Stillwater, Saratoga County, New York
Property tax bills in Stillwater are based on the assessed value of a home and the local tax rate set for Saratoga County. When a property’s market value changes, the assessed value can change too, which affects the final bill. Homeowners with more valuable properties generally pay more, while those with lower assessed values pay less.
The median home price in Stillwater is $274,206, and the median property tax bill is $3,952, which is above the national median property tax bill of $2,400. That means many homeowners in the city face a heavier tax burden than the typical U.S. homeowner.
Bills can vary widely across the area, with the 25th percentile at $3,066 and the 75th percentile at $5,632. For higher-value homes, the 90th percentile reaches $8,633, showing how quickly taxes can rise as assessed values increase.
Median Stillwater Tax Bill
$3,952
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 Stillwater, Saratoga County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12170 | $2,174 | $3,066 | $3,952 | $5,632 | $8,633 |
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 |