Explore the beauty and affordability of New York's top counties.
New York is ranked as the fourth most expensive state in terms of property taxes, with a median bill of $6,450. However, various counties offer significantly lower property tax rates, providing budget-friendly options for residents. A Kiplinger analysis highlights ten counties in New York where median tax bills are less than half of the state average, presenting opportunities for affordable living amid the state’s natural beauty and cultural richness.
New York has been identified as the fourth most expensive state in the U.S. for homeowners, with a median property tax bill of $6,450. However, recent findings highlight a range of counties where property tax bills are significantly lower than the state average, offering affordable living options for residents. Kiplinger analyzed 2025 data from the Tax Foundation, derived from the U.S. Census Bureau, and discovered ten counties in New York where property tax bills are less than half of the state’s median.
The counties producing the lowest property tax bills reveal significant savings for homeowners, attracting individuals seeking budget-friendly options. Here are the top ten counties with their respective median property tax bills and information on what each location has to offer:
Median Property Tax Bill: $3,059
Median Home Price: $176,200
Situated in the picturesque Catskill Mountains, Delaware County presents outdoor activities including hiking, canoeing, and skiing, making it a perfect haven for nature lovers.
Median Property Tax Bill: $2,946
Median Home Price: $109,400
Known for its serene environment and abundant nature, Cattaraugus County features ski resorts and state parks, appealing to those who appreciate peaceful living.
Median Property Tax Bill: $2,911
Median Home Price: $175,900
Home to the National Baseball Hall of Fame, Otsego County is rich in culture and history, making it a unique cultural center in addition to its affordable housing options.
Median Property Tax Bill: $2,881
Median Home Price: $97,900
Allegany County is noted for its outdoor activities available at Allegany State Park, providing ample opportunities for recreation.
Median Property Tax Bill: $2,851
Median Home Price: $181,000
Located near Lake Ontario, Jefferson County offers amenities such as farmers markets and the Watertown Zoo, enhancing its appeal as an economical residential area.
Median Property Tax Bill: $2,846
Median Home Price: $119,300
Recognized for its grape production and wineries, Chautauqua County is also home to local markets and the National Comedy Center, making it culturally vibrant.
Median Property Tax Bill: $2,735
Median Home Price: $119,800
This county is popular for fishing and various outdoor activities, featuring numerous lakes and rivers, ideal for outdoor enthusiasts.
Median Property Tax Bill: $2,682
Median Home Price: $158,000
Offering a rural atmosphere, Lewis County invites residents to enjoy activities such as hiking and kayaking in its scenic agricultural fields.
Median Property Tax Bill: $2,418
Median Home Price: $128,600
Franklin County is famous for its sections of the Adirondack Park, promoting small business development and a tight-knit community feeling.
Median Property Tax Bill: $2,369
Median Home Price: $242,000
Renowned for outdoor adventures like whitewater rafting and waterfall exploration, Hamilton County provides a multitude of recreational options.
Each county listed above showcases a unique blend of lifestyle choices from nature-centric to culturally diverse environments. With property tax bills significantly lower than the New York state average, these counties offer not only affordable housing but also a chance to enjoy the rich natural beauty and culture that New York State has to offer. Residents and prospective homeowners can find peace and affordability in areas that prioritize both community and recreational opportunities.
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