New York · County property tax · ACS 2024
Chemung County Property Taxes
The median homeowner in Chemung County pays $3,451 a year, an effective rate of 2.45%, far above the U.S. average.
- $3,451
- Median tax / yr · High bill
- 2.45%
- Effective rate · Highest-decile rate
- +73%
- vs U.S. average
- #11 of 62
- rank in NY
The verdict
Homeowners in Chemung County pay a median $3,451 a year in property tax, an effective rate of 2.45%, more affordable than 0% of U.S. counties (Census ACS 2024).
- $3,451
- Median annual tax bill, 2024
- 2.45%
- Effective rate on median home
- #3120 of 3135
- U.S. counties by tax burden
- +73%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($141,100). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Census Bureau ACS property tax data for New York. Population: 82,147. Owner-occupied homes: 24,132.
The median annual property tax in Chemung County is $3,451, which is 48% lower than the New York state average and 73% above the national average. The effective tax rate is 2.45% on a median home value of $141,100. Property taxes represent 5.4% of the median household income in this county.
Chemung County's rate standing among U.S. counties
Primary signal
The effective rate is a national headwind
Chemung County's 2.45% effective rate is among the highest of 3,135 tracked counties: only about 100% pay more.
Decision signal 2
The bill sits well above the national median
Homeowners in Chemung County pay a median annual property tax of $3,451, far above the national median and well below the New York state median. On a $141,100 median home, that works out to an effective rate of 2.45% once the local assessment base and millage are combined.
Decision signal 3
Income carries a heavy tax share
Property taxes in Chemung County run a bit above the commonly cited 2%-4% national benchmark, at about 5.4% of the $63,716 median household income.
Decision signal 4
Low among New York counties by effective rate
Chemung County ranks #11 of 62 counties in New York by effective rate (82% of in-state counties pay a lower rate).
Informational notice
Figures describe the median homeowner household in Chemung County as reported to the Census Bureau; your parcel can differ. Not tax, legal, or financial advice: check the county assessor or a qualified professional before decisions that depend on these numbers.
Most of the market's rise reached the bill
The effective rate here moved 7.3% down between 2020 and 2024, a smaller shift than in 70% of U.S. counties. With the median home value rose 29.6%, the median bill rose 20.2% to $3,451: the rate did comparatively little to offset the market.
Effective rate is the published median bill divided by the published median home value, so the two multiply back to the bill exactly; the rate's movement here is derived from those two figures rather than read from the rounded published rate. Both are ACS 5-year survey estimates for the median owner-occupied household, compared across non-overlapping releases. They describe what the Census published, not a local policy, assessment, or exemption change.
How to read this county's bill
Bills rose across 2020-2024, from $2,872 to $3,451, a gain of 20%. This is a comparison of published ACS medians, not an explanation of a particular property's assessment or tax bill.
The heaviest band is also the fullest one here: 13,270 of 24,132 owner-occupied homes (55.0%) report annual real-estate taxes above $3,000. That band has no upper edge in the source, so the county median understates the burden carried by the plurality rather than describing it.
A top-quartile rate meets below-median earnings here, and the median bill reaches 5.4% of median household income. A rate ranking places this county by the rate alone; the ratio above is the figure that accounts for what is earned here.
The share above is the median annual bill divided by median household income, a ratio of two county-level medians rather than a household-by-household figure.
What Chemung County Homeowners Actually Pay
The single largest group of Chemung County homeowners, 13,270 of 24,132 owner-occupied homes (55.0%), pays $3,000 or more a year. The median is one point in this spread, not a typical bill.
- Less than $800 4.8% (1,163)
- $800 to $1,499 9.6% (2,323)
- $1,500 to $1,999 8.7% (2,102)
- $2,000 to $2,999 15.9% (3,844)
- $3,000 or more 55.0% (13,270)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
1,430 homes here (5.9%) report no real estate tax at all. Exemptions are set by state: how New York handles assessments and appeals.
With vs Without Mortgage
In Chemung County, mortgaged homeowners pay 24% more than those without a mortgage, a gap that typically tracks higher home values rather than a different tax rate.
Chemung County's effective rate vs peers
Effective property tax rate (median tax ÷ median home value), ACS 2024.
Chemung County's effective rate is higher than 82% of the 62 counties in New York - ranking #11 of 62.
Where Chemung County sits among every U.S. county
Effective property tax rate (median tax ÷ median home value)
2.45% more affordable than 0% of 3,135 U.S. counties
Show national distribution
Each bar is a band; taller bars hold more U.S. counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2024
A high rate, a smaller bill
Chemung County taxes property at 2.45%, about 58% above the New York average, yet its median bill of $3,451 lands roughly 48% below it. The effective rate is the bill divided by the home's value, so a county can only sit on opposite sides of the state average this way when its homes are worth materially less than the state norm. The rate is the policy; the bill is what the housing market does with it.
Chemung County vs Benchmarks
| Metric | Chemung County | New York Avg | U.S. Avg |
|---|---|---|---|
| Median Annual Tax High bill | |||
| Effective Tax Rate Highest-decile rate | |||
| Median Home Value | |||
| Tax as % of income Highest-decile income burden | 5.4% | - | - |
Source: U.S. Census Bureau, ACS 5-Year Estimates. Tax-burden differences across rows reflect millage decisions, assessment-ratio practices, and the residential-vs-commercial mix of each tax base.
Chemung County's PEAK · HEAVY lane - is an appeal worth running?
On Chemung County's published figures (PEAK · HEAVY), a $141,100 median home carries a $3,451 median bill, so every 10% off an assessed value is worth about $345 a year at the same rate. Appeal Savings Estimator · appeal guide for New York.
Chemung County rate trail · PEAK
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $3,451 +3.6% | 2.45% |
| 2023 | $3,332 +2.0% | 2.52% |
| 2022 | $3,267 +5.7% | 2.55% |
| 2021 | $3,092 +7.7% | 2.70% |
| 2020 | $2,872 | 2.64% |
Each row is a separate ACS 5-year release, and consecutive releases share four of their five survey years. The percentage beside each bill is therefore movement in the published estimate against the previous release, not a single year's tax change. The two releases largely describe the same households. For change over time, compare releases that do not overlap.
Chemung County: tax takes 5.4% of income
Counties near Chemung County's effective rate
On effective rate, Chemung County sits nearest DeKalb County (IL), Stanton County (KS), Stephenson County (IL).
On published median-tax change, the nearest matches are Williamson County (TN), Potter County (SD), Baldwin County (GA).
How peers are chosen
These are the nearest cross-state matches in the published Census data, not neighboring counties or recommendations. Peers are rebuilt with each data release; see the calculation method.
Similar effective rates
Similar published median-tax changes, 2020–2024
Chemung County: only 3% of returns show Schedule A real-estate tax
Tax year 2022: 1,170 of 37,720 returns from Chemung County reported real estate taxes, averaging $7,776 - 33% of those reporters sat in the $100-200k AGI band.
What this IRS county file does not say
Amounts are reported before the SALT cap, not deducted; the share is of filers, not homeowners. Source: IRS SOI county data, tax year 2022.
Other Counties in New York
Chemung County rate FAQs
- How does Chemung County property tax compare to the national average?
- Property taxes in Chemung County run far above the national median of $1,993, an effective rate of 2.45% versus 0.92% nationally.
- What is the tax affordability score for Chemung County?
- Chemung County, New York scores F (13/100) on PlainPropertyTax's tax affordability composite across 5 Census ACS dimensions (effective rate, bill size, income share, mortgage gap, and home-value/income). Its strongest scored dimension here is housing pressure at A- (2.21×). The score compares published county medians to U.S. percentiles, it is not a personal bill and not advice to buy, sell, appeal, or relocate.
- What is the average property tax in Chemung County, New York?
- The median annual property tax in Chemung County is $3,451, an effective rate of 2.45% on a $141,100 median home (Census ACS, 2024).
- What percentage of income goes to property taxes in Chemung County?
- Property taxes in Chemung County run a bit above the commonly cited 2%-4% national benchmark, at about 5.4% of the $63,716 median household income.
- Are property taxes increasing in Chemung County?
- The ACS median property-tax bill for Chemung County jumped 20.2% between the 2020 and 2024 5-year releases, from $2,872 to $3,451, a 4-year span. These are survey estimates covering five years each, so this compares the two releases furthest apart rather than consecutive ones, which overlap and would mostly measure the same households twice.
What to do with Chemung County's PEAK rate
Chemung County's $3,451 median bill sits well above the U.S. median - size a personal estimate before treating the county headline as your budget. Estimate your bill →
Income burden is elevated here: about 5.4% of Chemung County's $63,716 median household income goes to the property-tax bill.
Nationwide peers by effective rate (then bill)
Rate-first peers for Chemung County's PEAK effective rate, then a disjoint out-of-state bill set so the two neighborhoods stay distinct.
Similar effective rate
Nearest out-of-state counties by ACS effective rate. This county: 2.45%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $3,451/yr. Rate peers are excluded so the two link sets stay distinct.
Read with Chemung County
Nearest ABS(median_tax) ACS peers for Chemung County (PEAK · HEAVY), replacing the old fixed Keep exploring strip.
PEAK HEAVY
Allegheny County, PA
ABS(median_tax) peer · tied with Chemung County at $3,451/yr; rate 1.52% vs Chemung County 2.45%.
Harford County, MD
ABS(median_tax) peer · $3,448/yr (near-tied bill ABS $3); rate 0.89% vs Chemung County 2.45%.
Livingston County, MI
ABS(median_tax) peer · $3,454/yr (near-tied bill ABS $3); rate 0.97% vs Chemung County 2.45%.
Riley County, KS
ABS(median_tax) peer · $3,466/yr (near-tied bill ABS $15); rate 1.46% vs Chemung County 2.45%.
New York county set
State ACS overview for every published New York county rate and median bill.
Appeal filing windows
Chemung County stamps PEAK · HEAVY - review notice deadlines before quoting the ACS median.
Data vintage and method
Data as of 2024. Source: U.S. Census Bureau, American Community Survey 5-Year Estimates.
Property tax data reflects median amounts paid by homeowners. Effective rates are calculated as median tax divided by median home value.
Source: U.S. Census Bureau American Community Survey 5-Year Estimates, county median real-estate taxes · 2024 Chemung County (PEAK · HEAVY) - ACS medians, not a parcel bill.