Homeowners in Niagara County, NY pay a median $4,155 a year in property taxes, about 2.19% of the median home value of $189,800.
Data reviewed · ACS 2024 · Mortgage rates weekly · Methodology
Based on what homeowners in Niagara County pay: median taxes paid divided by median home value. Your bill depends on your assessed value and local levies; check your latest tax bill to compare.
Enter any purchase price to see the full cost breakdown for Niagara County.
Everything due at closing plus your first twelve months of ownership. The detail is below.
Your numbers as a one-page PDF: $189,800 home, 20% down, 30-year loan at this week's 7.24%. Rates move every week; the PDF keeps today's.
Moderate flood risk. Some neighborhoods require flood insurance. Check your property at msc.fema.gov.
All figures are estimates for planning purposes only. Mortgage payment assumes a 30-year fixed rate of 7.24%, the Freddie Mac PMMS average for the week ending October 29, 2026. Your lender will confirm the actual rate. Closing costs vary by lender and transaction. Consult a licensed real estate attorney and lender before making any financial decisions.
Niagara County's 2.19% median tax-to-value ratio ranks 47th highest among the 3,134 US counties tracked, placing it in the top 5% highest nationally. Within New York's 62 counties, it's the 25th highest. On the county's median home value of $189,800, the typical homeowner pays $4,155 annually in property tax, $2,526 more than the national median of $1,629. At closing, New York's 0.40% combined real estate transfer tax adds roughly $759 on a median-priced home, typically paid by the seller.
Ways buyers in Niagara County may reduce their annual property tax. These programs apply statewide; verify county specifics with your local assessor.
Basic STAR exempts part of primary-residence assessed value from school tax for households with income up to $500,000 (savings $300-$1,200/yr). Enhanced STAR for homeowners 65+ with 2026 income up to $110,750 saves $650-$2,800/yr.
View official source →Locally adopted exemption reducing assessed value up to 50% for homeowners 65+. Income ceiling set by each municipality (state ceiling around $58,400 sliding scale). Stackable with Enhanced STAR.
View official source →Alternative, Eligible Funds, and Cold War veterans exemptions provide partial assessment reductions based on service and disability. Effective January 2, 2026, 100% service-connected disabled veterans receive a full property tax exemption on their primary residence.
View official source →NYC Class 1 (1-3 family) residential assessed values cannot rise more than 6% in any single year or 20% over any 5-year period.
View official source →Last verified April 2026. Exemption amounts and eligibility change frequently. Always confirm with your county assessor before claiming.
Answers to common questions about buying a home in Niagara County.
Homeowners in Niagara County pay a median $4,155 a year in property taxes, from 2024 US Census ACS 5-year estimates. There is no single property tax rate for Niagara County. The 2.19% figure commonly quoted is a county-wide median: the median annual property tax paid ($4,155) divided by the median home value ($189,800), from 2024 US Census ACS 5-year estimates. It is a statistic describing the county, not a rate levied on any particular property. Your own bill depends on your assessed value, the millage set by your overlapping taxing districts, any homestead or senior exemptions you qualify for, and special assessments. One thing to watch: the median reflects taxes actually paid by current owners, many of whom hold homestead exemptions and assessment caps, so a new buyer paying today's market price often pays more than 2.19% of the purchase price.
New York's combined real estate transfer tax is approximately 0.40% of the purchase price. On the median Niagara County home value of $189,800, this adds roughly $759 at closing. NYS Real Estate Transfer Tax $2/$500 (0.4%) seller, rising to 0.65% on portion over $3M residential. NYC RPTT adds 1.0% (under $500k) or 1.425% (≥$500k), seller-paid. Buyer-paid 'mansion tax' 1% over $1M statewide, escalating inside NYC up to 3.9% over $25M. Proposed increases to mansion tax and >$3M state rate are pending for transfers after June 1, 2026.
Only in parts. About 6.6% of Niagara County's land area is within a FEMA Special Flood Hazard Area. Most homes are outside these zones, but worth verifying the specific address at msc.fema.gov.
On Niagara County's median home value of $189,800 with 20% down, buyer closing costs work out to roughly $4,403–$8,359, or 2.3–4.4% of the purchase price. That covers title insurance $800–$2,000; loan origination fee $759–$1,518; home appraisal $400–$700; home inspection $350–$600; real estate attorney $600–$1,500; recording fees $100–$300; prepaid mortgage interest $452; homeowners insurance (2 months) $250; property tax escrow (2-3 months) $692–$1,039. Transfer tax is listed separately. These are national ranges for each line item rather than Niagara County quotes, so treat them as a planning range and use the calculator above for your own purchase price.
Every county-specific figure on this page links to the exact public dataset it comes from. Verify the numbers yourself against the original source.
Source for the $4,155/yr median taxes paid (ACS 2024 5-year estimates, variable B25103_001E).
Source for the $189,800 median home value (variable B25077_001E). The 2.19% median tax-to-value ratio is median taxes paid divided by median home value.
Source for the transfer tax used in the calculator (buyer 0.00%, seller 0.40%). Verified April 2026.
Source for the county's flood hazard exposure (coastal and inland flood exposure area as a share of county area).
The national dataset behind the county report, including its technical documentation and release notes.
Look up a specific property's flood zone and insurance rate map before making an offer on a home in Niagara County.
Closing cost line items are national ranges, not county data. The methodology lists each range's source and the calculator's assumptions (mortgage rate, insurance, PMI).
New York property tax exemptions: official sources
Verified April 2026.
What every buyer should read before making an offer.
Seven signs in an HOA's budget, reserve study, minutes and insurance that raise the risk of a special assessment, the numbers behind each, and what to ask.
Read the guide →Your HOA resale packet holds the CC&Rs, budget, reserve study and minutes. What each one says, where the costly rules hide, and the order to read them in.
Read the guide →An HOA capped rentals at 10 of 50 homes and grandfathered the existing landlords. How to find rental restrictions before closing, and what they cost you.
Read the guide →