Property Taxes in Middleburgh, New York
Median Middleburgh, New York effective property tax rate: 2.61%, significantly higher than the national median of 1.02%, and higher than the New York state median of 1.90%.
Median Middleburgh, New York home value: $147,959
Median annual Middleburgh, New York tax bill: $3,897, $1,497 higher than the national median property tax bill of $2,400.
How are property taxes in Schoharie calculated?
Property taxes in Middleburgh, 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 Middleburgh's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Middleburgh, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Middleburgh Property Tax Calculator Work?
Use this Middleburgh property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Middleburgh's median effective tax rate of 2.61% — based on actual property records in Schoharie 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 Middleburgh'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 Middleburgh: rates range from 2.61% in 12122 to 2.61% in 12122, 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 Middleburgh.
About Middleburgh Property Taxes
About Property Taxes in Middleburgh, Schoharie, New York
Middleburgh’s median effective property tax rate of 2.61% 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 Middleburgh. Homeowners in the 12122 ZIP code carry a median effective rate of 2.61%, while those in the lowest ZIP also pay 2.61%. This spread shows how local assessment districts and school district boundaries can shape what homeowners owe across the same area.
Middleburgh 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 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 Middleburgh, 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 Middleburgh'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 Middleburgh Tax Rate
2.61%
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 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 Middleburgh, Schoharie County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12122 | 1.81% | 2.53% | 2.61% | 2.84% | 3.57% |
Source: Ownwell
Property Tax Assessment Values Across Middleburgh, Schoharie County, New York
When examining property taxes in Middleburgh, 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 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 Schoharie County, assessment notices are sent in May each year.
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. For Middleburgh, the median home price is $147,959, and the median tax bill is $3,897, compared with the national median property tax rate of 1.02% and the national median property tax bill of $2,400. The highest median home price is in 12122 at $147,959.
Property Tax Assessment Values Across Middleburgh, Schoharie County, New York
Source: Ownwell
$108,000
$180,263
$252,525
Median Middleburgh Market Value
$147,959
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 Middleburgh, Schoharie County, New York
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12122 | $49,004 | $94,340 | $147,959 | $195,200 | $275,292 |
Source: Ownwell
Property Tax Bills Across Middleburgh, Schoharie County, New York
Property tax bills in Middleburgh are calculated by applying the local tax rate to a home's assessed value, which is based on the market value of the property. The assessed value is the starting point for determining how much a homeowner owes each year, and that amount can change if property values or local tax rates shift.
For Middleburgh homeowners, the median home price is $147,959, and the median property tax bill is $3,897 in ZIP code 12122. That bill is higher than the national median property tax bill of $2,400 and reflects how local assessments and tax rates can create a larger annual cost. Bills can vary widely, with the 25th percentile at $2,308, the 75th percentile at $5,308, and the 90th percentile at $7,304.
Because property taxes are tied to assessed value, homeowners can see their bills rise when market values increase, even if they have not made major changes to the home.
Median Middleburgh Tax Bill
$3,897
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 Middleburgh, Schoharie County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12122 | $1,295 | $2,308 | $3,897 | $5,308 | $7,304 |
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 |