Part of homeownership is dealing with property taxes. But with rates that vary from place to place and change with market fluctuations, it can be hard to interpret your tax responsibilities.

That’s why

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Jerry

has compiled all the information you need to manage property taxes in your area. In this article, we’ll cover Montgomery County property tax information, including how and when to pay your property taxes in one of

New York’s

most historic counties.

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Property tax 101

Property taxes are assigned by local government to help pay for critical infrastructure and services in your community. Examples of these services include:

Education and school district funding

Public transport, including repairs to local roads and infrastructure

Municipal government projects

Unlike other taxes which are restricted to an individual, property taxes are levied directly on property like land, buildings, and homes. In some counties, your vehicle may also be considered a taxable property.

Tax rates are typically determined by market values and the local tax rate, both of which are prone to fluctuation in response to market conditions and local budgets. In Montgomery County, your property taxes will be determined by a local tax assessor, on a property-by-property basis.

Basically, property taxes are how local governments collect funding from people who’ve put down roots in a community.

MORE: Is car insurance tax deductible?

What is the property tax rate in Montgomery County?

Montgomery County’s average tax rate is 2.86%—which is notably higher than both the state (1.23%) and national (1.07%) average. Indeed, Montgomery boasts some of the highest property tax rates in the country.

That means you can expect to pay about $2,713 a year on property taxes.

Of course, exact tax rates are based on your own home and property value and vary on a case-by-case basis. If you’re looking for a more exact assessment of what you’ll owe, you can use the

Montgomery County Property Tax Calculator

to estimate your expected tax bill.

How Montgomery County property taxes are determined

In Montgomery County, property taxes are based on the fair market value of the home or property in question, as determined by your local tax assessor. You can find assessment dates for your town on the

Montgomery County website

If you believe that your property has been assessed at an incorrect or unfair value, you have the right to appeal the property tax amount you were charged under New York State law. To file an appeal, you should contact the

Montgomery County Tax Assessor’s Office

Properties that you own are considered your primary residence may qualify for a homestead exemption in New York State.

Homestead exemptions

can help lower the rates of your annual property tax, and in some cases protect your home from being repossessed in the case of a property tax lien.

What do Montgomery County property taxes pay for?

Montgomery County property taxes fund the following:

K-12 and community education

Public transportation

Roads and highways

Building safety

Community resources (ex.: libraries)

Law enforcement

Public health and safety

Municipal government projects

MORE: Property and casualty insurance

How to pay property taxes in Montgomery County

Montgomery County collects property taxes on a quarterly basis. Exact assessment and important tax dates can be found on the

Montgomery County Website

, but you’ll find a general overview of important dates and ways to pay your property taxes below.

County taxes are collected four times a year, on the following dates:

1st Quarter - January 31st

2nd Quarter - April 30th

3rd Quarter - July 31st

4th Quarter - October 31st

When it comes to paying your property tax bill, there are a few different ways you can pay:

Pay by mail: You can mail your payment with the coupon on your Property Tax Bill, payable to the City of Amsterdam. Be sure to include your account number, your borough, block and lot number, and any other requested information when mailing payment. Note that the US postmark will determine the date of payment.

Pay in-person: Paying in-person is as simple as visiting your local city hall, wherein payments can be made in the form of cash, check, or money order. You can contact your

local tax collector

for more information on how to pay in person.

Pay online: Paying online with your debit or credit card is the easiest and fastest way to pay your property taxes. You can view your

property tax bills

and

submit payments

all from the comfort of your home!

Many banks and mortgage companies in New York require you to escrow your property taxes. In this case, the estimated property tax is added to your mortgage payment, which the mortgage company then pays directly to your city. To learn more about escrow companies and property taxes, visit the

Montgomery County website

If you fail to pay your property taxes by the deadline, you may be subject to penalty charges. A penalty charge of 1% will be added to your property tax bill each month following the due date of each installment.

If you fall delinquent on your taxes, you can work out an alternative payment agreement with your

local tax collector or treasurer

MORE:

New York car insurance laws

How to save money on homeowners and car insurance in New York

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FAQs

property taxes due in Montgomery County

Property taxes in Montgomery County are due quarterly. Installment dates are January 31, April 30, July 31, and October 31.

How do I get my New York property tax statement?

Your property tax statements will either be mailed directly to you or received as receipts from the escrow company if you’ve escrowed your property taxes.

Are property taxes high in Montgomery County?

The property tax average in Montgomery County is $2,713 which is higher than both the state and national average. Montgomery County is ranked 76th of the 3143 counties for property taxes as a percentage of median income.

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