Taxes in Rochester, New York
Complete tax guide for Rochester, NY. State income tax up to 10.9%, 2.52% property tax, 8% sales tax. Calculate your total tax burden.
State Income Tax
10.9%
New York
Property Tax
2.52%
Effective rate
Sales Tax
8%
Combined rate
Tax Burden
Very High
Rochester, NY Tax Overview
No city income tax; high property taxes
Population
211,328
Median Income
$39,012
Cost of Living
83.5 (100 = avg)
State Income Tax
10.9%
Median Home Price
$145,000
Rochester Tax Calculator
Pre-filled with Rochester median: $39,012
Total Tax Burden in Rochester
$9,880
Take-Home: $29,132 · Effective Rate: 25.32%
Federal Tax
$2,643
6.77% eff.
NY State
$4,252
10.90% eff.
FICA
$2,984
7.65% eff.
Take-Home
$29,132
74.68% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $39,012.00 | $3,251.00 |
| Federal Income Tax | -$2,642.94 | -$220.25 |
| New York State Tax | -$4,252.31 | -$354.36 |
| Social Security (6.2%) | -$2,418.74 | -$201.56 |
| Medicare (1.45%) | -$565.67 | -$47.14 |
| Take-Home Pay | $29,132.33 | $2,427.69 |
Property Tax in Rochester
Median Home
$145,000
Annual Tax
$3,654
Monthly Tax
$305
Effective Rate
2.52%
Sales Tax in Rochester
Combined Rate
8%
State Portion
~5.5%
Local Portion
~2.5%
The combined sales tax rate in Rochester is 8%, which is above the national average of 7.12%. On a $100 purchase, you would pay $8.00 in sales tax.
Tax Burden Comparison
| Tax Type | Rochester | New York Avg | National Avg |
|---|---|---|---|
| Income Tax | 10.9% | 10.9% | 4.6% |
| Property Tax | 2.52% | ~2.52% | 1.1% |
| Sales Tax | 8% | ~8% | 7.12% |
| Overall Burden | Very High | — | Moderate |
Tax Saving Tips for Rochester Residents
- New York's income tax rate of 10.9% is above average. Maximize pre-tax retirement contributions (401k up to $23,500, IRA up to $7,000) to reduce both federal and state taxable income.
- Property tax in Rochester (2.52%) is above the national average. Check if you qualify for homestead exemptions or assessment appeals to reduce your property tax bill.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
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See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Rochester, NY?
Rochester, New York has a state income tax rate up to 10.9%. The property tax rate is 2.52% and the combined sales tax rate is 8%. No city income tax; high property taxes
How much is property tax in Rochester?
The effective property tax rate in Rochester is 2.52%. On the median home price of $145,000, this equals approximately $3,654 per year or $305 per month. This is above the national average of 1.1%.
What is the sales tax rate in Rochester?
The combined sales tax rate in Rochester is 8%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Rochester's tax burden compare to other cities?
Rochester has a very high overall tax burden. The effective total tax rate for a median-income household is approximately 34.3%. The combination of 10.9% state income tax, 2.52% property tax, and 8% sales tax determines the total burden. Cost of living index is 83.5 (100 = national average).
Are there any local taxes in Rochester?
Rochester does not impose a separate local or city income tax. Residents pay the state income tax of 10.9%, federal income tax, and FICA (Social Security and Medicare). No city income tax; high property taxes