Property Taxes in Ballston Lake, New York
Median Ballston Lake, New York effective property tax rate: 0.81%, significantly lower than the national median of 1.02%, and lower than the New York state median of 1.90%.
Median Ballston Lake, New York home value: $309,590
Median annual Ballston Lake, New York tax bill: $2,528, $128 higher than the national median property tax bill of $2,400.
How are property taxes in Schenectady calculated?
Property taxes in Ballston Lake, 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 Ballston Lake's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Ballston Lake, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Ballston Lake Property Tax Calculator Work?
Use this Ballston Lake property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Ballston Lake's median effective tax rate of 0.81% — based on actual property records in Schenectady County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessor uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Ballston Lake'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 Ballston Lake: rates range from $2,528.00 in 12019 to $2,528.00 in 12019, primarily due to differences in school district levies and local assessment districts.
Ballston Lake's 1.90% state median tax rate is higher, while Schenectady County's rate is lower. The median tax bill is $2,528, which is $128 higher than the state tax bill. For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Ballston Lake.
About Ballston Lake Property Taxes
About Property Taxes in Ballston Lake, Schenectady, New York
Ballston Lake's median effective property tax rate of 0.81% is lower than the New York state median of 1.90% and lower than the national median of 1.02%. This rate reflects the Schenectady 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 Ballston Lake. Homeowners in the 12019 ZIP code carry a median effective rate of 0.81%, while those in the same ZIP code also pay 0.81%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Schenectady County. Understanding which part of Ballston Lake you live in can make a meaningful difference to your annual tax bill.
Ballston Lake 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 Ballston Lake, Schenectady 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 Ballston Lake'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 Ballston Lake Tax Rate
0.81%
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 Schenectady County Tax Rate
2.65%
Median Effective New York Tax Rate
1.90%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Ballston Lake, Schenectady County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12019 | 0.71% | 0.81% | 0.81% | 0.81% | 0.85% |
Source: Ownwell
Property Tax Assessment Values Across Ballston Lake, Schenectady County, New York
When examining property taxes in Ballston Lake, 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 Schenectady 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 Schenectady 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 Ballston Lake.
For example, the median home price in Ballston Lake is $309,590, with tax bills ranging significantly across the county. 12019 has the highest median home price at $309,590.
Property Tax Assessment Values Across Ballston Lake, Schenectady County, New York
Source: Ownwell
$100,657
$207,214
$313,770
Median Ballston Lake Market Value
$309,590
Median Schenectady County Market Value
$220,984
Median New York Market Value
$312,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Ballston Lake, Schenectady County, New York
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12019 | $221,803 | $253,484 | $309,590 | $373,893 | $417,344 |
Source: Ownwell
Property Tax Bills Across Ballston Lake, Schenectady County, New York
Property tax bills in Ballston Lake are calculated from a home’s assessed value and the local tax rate set by taxing authorities. For a home with a median market value of $309,590, the bill reflects how that value is assessed for taxation, along with any local budgets, school levies, and municipal needs that apply in Schenectady County.
The typical property tax bill in Ballston Lake is $2,528, which is above the national median property tax bill of $2,400. Bills can vary widely: the 25th percentile is $2,027, the 75th percentile is $3,073, and the 90th percentile is $3,512. That means homeowners with similar homes may still pay different amounts depending on assessment details and local tax rates.
For homeowners, this can have a direct impact on monthly housing costs and long-term affordability. A higher assessed value or tax rate can raise the bill, while a lower assessment may reduce it.
Property Tax Bills Across Ballston Lake, Schenectady County, New York
Source: Ownwell
$2,528
$6,304
$10,079
Median Ballston Lake Tax Bill
$2,528
Median Schenectady County Tax Bill
$5,500
Median New York Tax Bill
$5,420
Median United States Tax Bill
$3,209
Property Tax Bills Across Ballston Lake, Schenectady County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12019 | $1,719 | $2,027 | $2,528 | $3,073 | $3,512 |
Source: Ownwell
Don't miss the deadline to file a grievance!
Dates | |
|---|---|
| Appeal Deadline | May 26 |
Links | |
|---|---|
| Schenectady Assessment Review Commission | |
| Website | schenectady.sdgnys.com |