Property Taxes in Lake Luzerne, New York
Median Lake Luzerne, New York effective property tax rate: 1.32%, significantly lower than the national median of 1.02%, and lower than the New York state median of 1.90%.
Median Lake Luzerne, New York home value: $230,800
Median annual Lake Luzerne, New York tax bill: $3,041, higher than the national median property tax bill of $2,400.
How are property taxes in Warren County calculated?
Property taxes in Lake Luzerne, 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 Lake Luzerne's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Lake Luzerne, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Lake Luzerne Property Tax Calculator Work?
Use this Lake Luzerne property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Lake Luzerne's median effective tax rate of 1.32% — based on actual property records in Warren County — to generate your estimate.
Enter your property's estimated assessed value — the figure used to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Lake Luzerne's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Lake Luzerne's median tax rate is higher than the New York state median tax rate of 1.90%, and the median property tax bill is $3,041, which is $641 higher than the state median property tax bill.
Your bill may vary by ZIP code within Lake Luzerne: rates range from 1.32% in 12846 to 1.32% in 12846, 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 Lake Luzerne.
About Lake Luzerne Property Taxes
About Property Taxes in Lake Luzerne, Warren, New York
Lake Luzerne's median effective property tax rate of 1.32% is lower than the New York state median of 1.90% and higher than the national median of 1.02%. This rate reflects the Warren 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 Lake Luzerne. Homeowners in the 12846 ZIP code carry a median effective rate of 1.32%, while those in the same ZIP code pay 1.32%. This spread — 0 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Warren County. Understanding which part of Lake Luzerne you live in can make a meaningful difference to your annual tax bill.
Lake Luzerne 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 Lake Luzerne, Warren 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 Lake Luzerne'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 Lake Luzerne Tax Rate
1.32%
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 Warren County Tax Rate
1.84%
Median Effective New York Tax Rate
1.90%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Lake Luzerne, Warren County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12846 | 1.26% | 1.32% | 1.32% | 1.35% | 1.35% |
Source: Ownwell
Property Tax Assessment Values Across Lake Luzerne, Warren County, New York
When examining property taxes in Lake Luzerne, 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 Warren 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 Warren 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 Lake Luzerne.
For example, the median home price in Lake Luzerne is $230,800, with tax bills ranging significantly across the county. 12846 has the highest median home price at $230,800.
Property Tax Assessment Values Across Lake Luzerne, Warren County, New York
Source: Ownwell
$135,000
$665,500
$1,196,000
Median Lake Luzerne Market Value
$230,800
Median Warren County Market Value
$257,000
Median New York Market Value
$312,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Lake Luzerne, Warren County, New York
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12846 | $104,040 | $153,800 | $230,800 | $344,600 | $468,750 |
Source: Ownwell
Property Tax Bills Across Lake Luzerne, Warren County, New York
Property tax bills in Lake Luzerne are based on the assessed value of a home and the local tax rate set by taxing authorities. When a property’s assessed value rises, the tax bill can increase, even if the homeowner has not made any changes to the house. Factors such as location, neighborhood demand, and local government budgets all play a role in determining how much is owed.
With a median home price of $230,800, the typical property tax bill in the area is $3,041, which is higher than the national median property tax bill of $2,400. That means homeowners in Lake Luzerne often face a larger annual tax burden than many U.S. households.
Tax bills can vary widely from one home to another. In the area, the 25th percentile tax bill is $1,976, while the 75th percentile is $4,482 and the 90th percentile reaches $6,133. For homeowners, this can have a significant impact on monthly housing costs and long-term affordability.
Median Lake Luzerne Tax Bill
$3,041
Median Warren County Tax Bill
$4,402
Median New York Tax Bill
$5,420
Median United States Tax Bill
$3,209
Property Tax Bills Across Lake Luzerne, Warren County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 12846 | $1,253 | $1,976 | $3,041 | $4,482 | $6,133 |
Source: Ownwell
Don't miss the deadline to file a grievance!
Dates | |
|---|---|
| Appeal Deadline | May 26 |
Links | |
|---|---|
| Warren Assessment Review Commission | |
| Website | imo.warrencountyny.gov |