Property Taxes in Charlotteville, New York
Median Charlotteville, New York effective property tax rate: 2.10%, significantly higher than the national median of 1.02%, and higher than the New York state median of 1.90%.
Median Charlotteville, New York home value: $131,000
Median annual Charlotteville, New York tax bill: $2,919, $519 higher than the national median property tax bill of $2,400.
How are property taxes in Schoharie calculated?
Property taxes in Charlotteville, 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 Charlotteville's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Charlotteville, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Charlotteville Property Tax Calculator Work?
Use this Charlotteville property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Charlotteville's median effective tax rate of 2.10% — based on actual property records in Schoharie County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment process uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Charlotteville's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Charlotteville's median effective tax rate is higher than the New York median of 1.90%, and the median property tax bill is $2,919, which is $519 higher than the state median. Your bill may vary by ZIP code within Charlotteville, though the available ZIP code data shows 12036 at both the highest and lowest median tax bill.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Charlotteville.
About Charlotteville Property Taxes
About Property Taxes in Charlottesville, Schoharie, New York
Charlottesville’s median effective property tax rate of 2.10% is higher than the New York state median of 1.90% and higher than the national median of 1.02%. This rate reflects the Schoharie 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 Charlottesville. Homeowners in the 12036 ZIP code carry a median effective rate of 2.10%, while those in 12036 pay 2.10%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Schoharie County. Understanding which part of Charlottesville you live in can make a meaningful difference to your annual tax bill.
Charlottesville 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 Charlotteville, Schoharie 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 Charlotteville'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 Charlotteville Tax Rate
2.10%
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 Schoharie County Tax Rate
2.44%
Median Effective New York Tax Rate
1.90%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Charlotteville, Schoharie County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12036 | 1.64% | 2.10% | 2.10% | 2.37% | 2.73% |
Source: Ownwell
Property Tax Assessment Values Across Charlotteville, Schoharie County, New York
When examining property taxes in Charlotteville, 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 Schoharie County 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 Schoharie County, assessment notices are sent in May 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 Charlotteville.
For example, the median home price in Charlotteville is $131,000, with tax bills ranging significantly across the county. 12036 has the highest median home price at $131,000.
Property Tax Assessment Values Across Charlotteville, Schoharie County, New York
Source: Ownwell
$108,000
$180,263
$252,525
Median Charlotteville Market Value
$131,000
Median Schoharie County Market Value
$156,632
Median New York Market Value
$312,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Charlotteville, Schoharie County, New York
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12036 | $59,380 | $89,375 | $131,000 | $169,675 | $228,675 |
Source: Ownwell
Property Tax Bills Across Charlotteville, Schoharie County, New York
Property tax bills in Charlotteville are calculated by multiplying a home’s assessed value by the local tax rate, then adjusting for any exemptions or special levies. The assessed value is based on the market value of the property, which helps determine how much tax a homeowner owes each year.
For a home with a median price of $131,000, the tax bill can vary widely depending on the assessment and local rates. In this area, the 25th percentile tax bill is $1,932, while the 75th percentile tax bill is $3,833 and the 90th percentile tax bill is $5,378. The median tax bill is $2,919, which is above the national median property tax bill of $2,400 and reflects the impact of local assessments and tax rates.
These bills affect homeowners directly because higher assessments or rising tax rates can increase annual housing costs, even when a home’s market value stays the same.
Property Tax Bills Across Charlotteville, Schoharie County, New York
Source: Ownwell
$2,027
$4,065
$6,103
Median Charlotteville Tax Bill
$2,919
Median Schoharie County Tax Bill
$3,956
Median New York Tax Bill
$5,420
Median United States Tax Bill
$3,209
Property Tax Bills Across Charlotteville, Schoharie County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12036 | $1,154 | $1,932 | $2,919 | $3,833 | $5,378 |
Source: Ownwell
Don't miss the deadline to file a grievance!
Dates | |
|---|---|
| Appeal Deadline | May 26 |
Links | |
|---|---|
| Schoharie Assessment Review Commission | |
| Website | www2.schohariecounty-ny.gov |