Property Taxes in New Rochelle, New York
Median New Rochelle, New York effective property tax rate: 0.69%, significantly lower than the national median of 1.02%, and lower than the New York state median of 1.90%.
Median New Rochelle, New York home value: $694,300
Median annual New Rochelle, New York tax bill: $4,571, $2,171 higher than the national median property tax bill of $2,400.
How are property taxes in Westchester calculated?
Property taxes in New Rochelle, 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 New Rochelle's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in New Rochelle, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the New Rochelle Property Tax Calculator Work?
Use this New Rochelle property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies New Rochelle's median effective tax rate of 0.69% — based on actual property records in Westchester 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 New Rochelle'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 New Rochelle: rates range from $3,830.00 in 10801 to $5,718.00 in 10804, primarily due to differences in school district levies and local assessment districts. New Rochelle's median tax bill of $4,571 is lower than the state median tax bill of $4,571?
About New Rochelle Property Taxes
About Property Taxes in New Rochelle, Westchester, New York
New Rochelle’s median effective property tax rate of 0.69% is lower than the New York state median of 1.90% and higher than the national median of 1.02%. This rate reflects the Westchester 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 New Rochelle. Homeowners in the 10805 ZIP code carry a median effective rate of 0.69%, while those in 10804 pay 0.69%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Westchester County. Understanding which part of New Rochelle you live in can make a meaningful difference to your annual tax bill.
New Rochelle homeowners who believe their assessed value is too high can file a formal appeal with the Assessment Review Commission before the 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 New Rochelle, Westchester 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 New Rochelle'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 New Rochelle Tax Rate
0.69%
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 Westchester County Tax Rate
1.65%
Median Effective New York Tax Rate
1.90%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across New Rochelle, Westchester County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 10801 | 0.63% | 0.69% | 0.69% | 0.69% | 0.69% |
| 10804 | 0.63% | 0.63% | 0.69% | 0.69% | 0.69% |
| 10805 | 0.68% | 0.69% | 0.69% | 0.69% | 0.69% |
Source: Ownwell
Save on Your Property Taxes and More With Ownwell
$774
Average Annual Tax Savings
Property Tax Assessment Values Across New Rochelle, Westchester County, New York
When examining property taxes in New Rochelle, 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 Westchester 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 Westchester County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month when notices are sent.
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 New Rochelle.
For example, the median home price in New Rochelle is $694,300, with tax bills ranging significantly across the county. 10804 has the highest median home price at $870,467.
Property Tax Assessment Values Across New Rochelle, Westchester County, New York
Source: Ownwell
$151,450
$988,424
$1,825,397
Median New Rochelle Market Value
$694,300
Median Westchester County Market Value
$638,095
Median New York Market Value
$312,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across New Rochelle, Westchester County, New York
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 10801 | $279,793 | $437,824 | $580,310 | $699,482 | $844,301 |
| 10804 | $632,125 | $746,114 | $870,467 | $1,088,083 | $1,373,057 |
| 10805 | $204,663 | $388,601 | $595,855 | $777,202 | $1,011,917 |
Source: Ownwell
Save on Your Property Taxes and More With Ownwell
$774
Average Annual Tax Savings
Property Tax Bills Across New Rochelle, Westchester County, New York
How are property tax bills calculated in New Rochelle?
Property tax bills in New Rochelle are based on the assessed value of a home, not the market value alone. Local tax rates and exemptions are then applied to determine the final bill, so two similar homes can owe different amounts depending on their assessments and eligibility for relief. With a median home price of $694,300, many homeowners face bills that can vary widely across the city.
What factors affect the amount you pay?
A homeowner’s tax bill depends on the property’s assessed value, the local tax rate, and any exemptions that reduce taxable value. In Westchester, the 25th percentile tax bill is $3,321, while the 75th percentile is $5,825 and the 90th percentile reaches $7,813. That range shows how quickly property taxes can rise above the national median property tax bill of $2,400.
How can Ownwell help?
Ownwell helps homeowners review their assessments, identify savings opportunities, and appeal overassessments when appropriate. By finding errors or unfair valuations, Ownwell can help reduce property tax bills and keep more money in your pocket.
Property Tax Bills Across New Rochelle, Westchester County, New York
Source: Ownwell
$1,436
$18,351
$35,265
Median New Rochelle Tax Bill
$4,571
Median Westchester County Tax Bill
$9,223
Median New York Tax Bill
$5,420
Median United States Tax Bill
$3,209
Property Tax Bills Across New Rochelle, Westchester County, New York
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 10801 | $1,867 | $2,860 | $3,830 | $4,670 | $5,629 |
| 10804 | $3,978 | $4,828 | $5,718 | $7,280 | $9,092 |
| 10805 | $1,400 | $2,548 | $3,942 | $5,239 | $6,837 |
Source: Ownwell
Save on Your Property Taxes and More With Ownwell
$774
Average Annual Tax Savings
Don't miss the deadline to file a grievance!
Dates |
|---|
Links | |
|---|---|
| Westchester Assessment Review Commission | |
| Website | experience.arcgis.com |