New York City Property Tax Payment: CityPay, Fees & Deadlines
New York City property tax payments are handled by the NYC Department of Finance. For most owners, the fastest official online route is CityPay, where you can find a property using its Borough-Block-Lot number or street address, check the amount due, choose a payment method and save a receipt.
Before paying, check the live property account rather than relying only on an older bill. Credits, mortgage payments, interest, other agency charges and prior payments can change the amount that should be paid.
Quick Answer: How to Pay NYC Property Tax
Open the official CityPay property tax page, search by BBL or address, verify the property and current balance, choose the amount you want to pay, review the payment method and service fee, submit the transaction, then save the confirmation number and receipt.
Electronic check is currently the main no-service-fee online option. CityPay currently adds a 2% service fee to credit, debit, prepaid or gift card, PayPal and Venmo transactions.
- Open the official NYC CityPay property tax page.
- Select BBL search or address search.
- Confirm the correct property before opening charges.
- Review current tax and property-related charges.
- Choose the amount to pay.
- Select a payment method and review the fee.
- Submit only after checking the final transaction details.
- Save the confirmation page and confirmation email.
CityPay can show a live amount that differs from an older bill. Always check the current account immediately before submitting payment.
Before You Pay: 8 Checks That Prevent NYC Payment Problems
Property-tax payments are difficult to reverse once submitted. A short account review can prevent a duplicate payment, wrong-property payment or unexpected service fee.
Match the street address and borough.
Use the correct Borough-Block-Lot property identifier.
Make sure you are paying the intended fiscal-year installment.
Review new charges, outstanding amounts and account credits.
Look for a bank or mortgage-servicer payment before paying personally.
Determine whether the account is quarterly or semiannual.
Compare e-check with card, PayPal or Venmo before checkout.
Keep the confirmation number, receipt and bank/card record.
If your goal is to understand why the amount changed before paying, use the separate New York City Property Tax Bill guide first. This page is focused on completing the payment.
How to Pay New York City Property Tax Online with CityPay
CityPay is the official NYC Department of Finance payment route recommended for online property-tax payments. You can locate the property using either its BBL or street address.
- Property street address, or
- BBL number,
- Current bill or tax period,
- Bank or card information,
- Mortgage escrow status, and
- Email address for confirmation.
What Is a BBL and Why Does CityPay Use It?
BBL means Borough-Block-Lot. It is the property identifier used across New York City property-tax and land-record systems.
The borough portion separates properties in Manhattan, Bronx, Brooklyn, Queens and Staten Island.
Blocks group parcels within the city’s tax-map system.
The lot distinguishes the specific taxable parcel or property interest within the block.
Best practice: If you know the 10-digit BBL, use it rather than relying only on an address. For condos or properties with multiple units, confirming the correct lot is especially important.
NYC Property Tax Payment Fees
The cost of paying depends on the method. CityPay currently treats electronic check differently from cards and digital wallets.
Electronic Check
$0 CityPay service feeElectronic check currently has no service fee. You will need bank account information.
If the electronic check is returned, NYC currently lists a $20 returned-payment charge.
Credit Card
2% service feeCityPay currently accepts major credit cards, including Visa, MasterCard, American Express and Discover.
The service fee is separate from the property tax amount and is non-refundable.
Debit Card
2% service feeEligible debit-card transactions currently carry the same 2% CityPay service fee.
PayPal / Venmo
2% service feeCityPay currently applies a 2% service fee to PayPal and Venmo property-tax payments.
A 2% service fee on a $5,000 property-tax payment would be $100. An electronic check can avoid the CityPay service fee if that payment method works for you.
Check before clicking submit. Payment fees can change. Always review the final CityPay checkout screen rather than relying only on an older saved article or screenshot.
NYC Property Tax Due Dates: Quarterly vs Semiannual
New York City’s fiscal year runs from July 1 through June 30. Payment frequency depends on the property’s assessed value.
Quarterly Billing
Regular installment due dates:
Grace date generally July 15.
Grace date generally October 15.
Grace date generally January 15.
Grace date generally April 15.
Semiannual Billing
First semiannual payment.
Second semiannual payment.
Semiannual accounts do not use the same quarterly 15-day interest-free grace-period structure.
Current timing: As of August 28, 2026, the next standard quarterly installment is October 1, 2026. A semiannual account’s next standard installment is January 1, 2027, subject to NYC’s weekend and holiday rule.
If a payment due date or an applicable quarterly grace-period date falls on a weekend or holiday, NYC generally moves the deadline to the next business day. Check the live DOF calendar for the exact tax period you are paying.
- Open your current NYC property-tax account.
- Check assessed value.
- Confirm whether the bill is quarterly or semiannual.
- Read the due date printed on the current bill.
- For quarterly accounts, check the applicable interest-free grace date.
NYC Early Property Tax Payment Discounts
NYC provides small discounts when qualifying property taxes are paid ahead of schedule.
Quarterly payers can receive the current 0.5% discount when paying the full qualifying amount early.
The current NYC311 guidance lists a 0.25% discount for paying the remaining balance by this point.
The current guidance lists a 0.125% discount for paying the remaining eligible balance.
Semiannual payers who pay the full amount owed for the tax year by July 1 currently receive a 0.5% discount.
Compare the early-payment discount with your cash-flow needs before prepaying. The discount is modest, so it may not always make sense to pay months early.
Other Ways to Pay NYC Property Tax
CityPay is convenient, but it is not the only official payment route. NYC Department of Finance also supports bank-based payments, mail, limited phone service and in-person options.
Best for most owners who want immediate online confirmation. Search by BBL or address.
EFT can move funds directly from a checking or savings account. DOF does not charge a service fee for EFT, though your bank may.
You can add NYC Department of Finance as a payee and use the 10-digit BBL as the account number. NYC warns these payments can take much longer to process.
Eligible taxpayers can arrange automatic bank-account withdrawals for recurring property-tax payments.
Mail payment with the bill coupon and BBL for faster processing. Do not mail cash.
NYC Department of Finance maintains business centers in the five boroughs for in-person services.
When NYC Property Tax Must Be Paid by EFT
Electronic Funds Transfer is not just an optional method for every taxpayer. NYC currently requires EFT in certain high-value situations.
A taxpayer who owns one or more properties with a combined annual property-tax amount of $300,000 or more is currently required to use EFT. Mortgage escrow agents and banks responsible for accounts reaching the same combined annual threshold are also subject to the EFT requirement.
If you fall under the EFT requirement, do not assume that a smaller individual installment can be paid another way. NYC states that required taxpayers must use EFT even when a single payment is below $300,000.
Large property owners and professional payment agents should review the current NYC EFT instructions before the tax deadline rather than using standard CityPay card checkout.
How to Pay NYC Property Tax by Mail
Mail remains an official option. The payment coupon and BBL matter because omitting them can delay processing substantially.
NYC Department of Finance
P.O. Box 5536
Binghamton, NY 13902-5536
Always verify the mailing address on the current bill or official NYC payment page before sending a time-sensitive payment.
Verify NYC Payment Mailing AddressProcessing difference: NYC says mailed payments with the bill coupon and BBL generally process much faster than payments missing those identifiers. Missing information can turn a several-business-day process into several weeks.
NYC Property Tax Auto Pay and Bank Bill Pay
Recurring bank withdrawals can reduce the chance of forgetting an installment, but you should still monitor the property-tax account.
Automatic payments can be scheduled from a checking or savings account. NYC lists monthly, quarterly, semiannual and annual withdrawal options.
You can add NYC Department of Finance as a payee through your bank. Use the full 10-digit BBL, including leading zeros.
Monthly advance payments can spread upcoming tax costs across the year instead of waiting for a quarterly or semiannual installment.
Bank bill-pay transactions may take considerably longer than CityPay. Schedule them early enough to avoid deadline problems.
Do not assume enrollment equals payment. After setting up auto pay, check the next tax account after the due date to confirm the withdrawal and posting occurred correctly.
NYC Property Tax Receipt and Payment Posting
CityPay gives you payment proof immediately after a successful transaction, but the account may not update at the same moment.
Shows the confirmation number, items paid, amount paid and information about provisional credit.
If you provide an email address, the confirmation is sent from an NYC Department of Finance email address. Keep it with your tax records.
NYC says online payments may take 2 or more business days to appear in the property-tax system.
After funds are confirmed, the posted payment date generally reflects when you clicked the CityPay process-payment button.
Do not resend the same payment just because the balance is still visible the next morning. First check your confirmation and allow the stated processing period.
If Your Mortgage Company Pays NYC Property Tax
If property taxes are paid through mortgage escrow, your bank or mortgage servicing company may receive the bill instead of you.
Confirm the upcoming NYC property-tax disbursement.
Look for the payment in the official property-tax history.
Make sure the lender paid the correct bill period.
Do not pay personally until you know the servicer payment is not pending.
Receiving a bill does not always mean you must pay it personally. Check escrow status and the official NYC account before sending a second payment.
For bill history, credits, exemptions and line-item explanations, use the NYC Property Tax Bill guide.
Late NYC Property Tax: Interest Rates for 2026–27
New York City charges interest on unpaid property taxes. The annual rate depends on assessed value and is set by local law.
Current rate for July 1, 2026 through June 30, 2027.
Applies when assessed value is above $250,000 but not above $450,000.
Current annual late-property-tax interest rate for this assessed-value tier.
Interest compounds daily. If the account is already past due, use the live NYC account balance rather than calculating the payoff from an old bill yourself.
- Search the live account and confirm the total past-due balance.
- Review the NYC property-tax payment-plan page.
- Compare standard payment plans, reduced-interest options and PT AID if potentially relevant.
- Check whether a lien-sale or other collection notice has already been issued.
- Keep current taxes separate from any installment-plan obligations.
NYC Property Tax Payment Troubleshooting
Likely cause: address formatting, wrong borough, BBL error or condo lot issue.
Next action: search the NYC property account first, confirm the BBL, then return to CityPay.
Likely cause: normal processing delay.
Next action: keep the CityPay confirmation and allow the current processing period before submitting a duplicate payment.
Likely cause: billing-address mismatch, CVV issue, bank decline or transaction limit.
Next action: confirm card details or consider e-check.
Likely cause: servicer has not paid, payment is pending or account information did not match.
Next action: contact the servicer with the bill and due date before paying twice.
Likely cause: prior charges, interest, agency charges or semiannual account presentation.
Next action: review the live account and bill details before choosing the payment amount.
Likely cause: owner and mortgage servicer both paid, or the transaction was submitted again before the first posted.
Next action: check the account credit and NYC refund process.
Call 311 inside New York City or 212-639-9675 from outside NYC, or use the Department of Finance online contact options.
Contact NYC Department of FinanceAvoid Fake NYC Property Tax Payment Links
Payment pages are high-risk targets for impersonation. NYC Department of Finance warns taxpayers about fraudulent payment messages and unauthorized third-party services.
Use NYC.gov or the official CityPay URL rather than a sponsored ad or text-message link.
A legitimate payment workflow should let you confirm the correct BBL or property address.
NYC warns that unsolicited payment reminders pretending to be CityPay may be scams.
Do not assume a private bill-pay website is approved by NYC Department of Finance merely because it appears in search results.
Safe route: Go directly to NYC Department of Finance payment options and follow the CityPay link from there.
NYC Property Tax Payment Terms
- BBL
- Borough-Block-Lot, the NYC identifier used to locate taxable real property.
- Assessed Value
- The assessed amount used in NYC property-tax administration. It also determines whether the account is generally billed quarterly or semiannually.
- Grace Period
- The interest-free period available to qualifying quarterly payers through the 15th of the payment month.
- Provisional Credit
- Initial credit given after an online payment while the financial institution confirms that funds are available.
- EFT
- Electronic Funds Transfer, a bank-based method used for NYC property-tax payments and required for certain high-value taxpayers.
- CityPay
- New York City’s official online payment system for property taxes and certain other NYC obligations.
Related CountyPropertyTaxes.us Guides
Official NYC Property Tax Payment Links
Use these links when you are ready to complete an account-specific action.
New York City Property Tax Payment FAQs
How do I pay New York City property tax online?
Use the official NYC CityPay property-tax page. Search by Borough-Block-Lot number or property address, confirm the account and amount due, choose a payment method, review any service fee, submit the transaction and save the confirmation.
Is there a fee to pay NYC property tax online?
Electronic check currently has no CityPay service fee. Credit cards, debit cards, prepaid or gift cards, PayPal and Venmo currently have a 2% service fee. A returned electronic check can result in a $20 charge.
When are NYC property taxes due?
Properties with assessed value of $250,000 or less are generally billed quarterly, with regular due dates of July 1, October 1, January 1 and April 1. Properties assessed above $250,000 are generally billed semiannually, with July 1 and January 1 due dates.
Does NYC have a grace period for property-tax payment?
Quarterly payers generally have an interest-free grace period through July 15, October 15, January 15 or April 15. If an applicable date falls on a weekend or holiday, check the official next-business-day rule.
Can I pay NYC property tax by address instead of BBL?
Yes. The official CityPay property-tax search supports both BBL search and property-address search. BBL is often the more precise identifier.
How long does a CityPay payment take to show on my account?
NYC says online payments may take two or more business days to appear. Keep the confirmation instead of sending a duplicate payment while the transaction is still processing.
Can I make a partial NYC property-tax payment?
CityPay allows taxpayers to enter an amount to pay. If the account is past due, unpaid balances can continue to accrue interest, so review the current account and payment-plan options before relying on partial payment as a solution.
Can I pay NYC property tax by mail?
Yes. Mail a check or money order payable to NYC Department of Finance, include the bill coupon when available, and write the BBL and tax period on the payment. Do not mail cash. Verify the current mailing address before sending the payment.
Does the postmark count for an NYC property-tax payment?
NYC currently states that the envelope postmark determines whether a mailed property-tax payment met the applicable due date. Use the current bill and official instructions when mailing near a deadline.
What if my mortgage company is supposed to pay the tax?
Check the mortgage escrow statement and the NYC property-tax payment history before paying personally. A duplicate payment can create an account credit and refund work.
What are NYC late property-tax interest rates for 2026–27?
For July 1, 2026 through June 30, 2027, NYC currently lists annual rates of 6% for assessed value of $250,000 or less, 9% for assessed value above $250,000 through $450,000, and 16% for assessed value above $450,000.
Is CountyPropertyTaxes.us the NYC Department of Finance?
No. CountyPropertyTaxes.us is an independent informational guide. Property-tax payments, receipts, account changes and official payment arrangements must be completed through NYC Department of Finance systems.
Bottom Line
For an NYC property-tax payment, start with the official CityPay or NYC property-tax account, confirm the BBL or address, tax period, current balance, due date and escrow status, then choose the payment method after reviewing the service fee. Electronic check currently avoids the CityPay service fee, while card, PayPal and Venmo payments currently add 2%.
Pay with CityPay Compare Fees Check Deadlines Pay by Mail Late Payment Help Official LinksMaterially reviewed and updated using current NYC Department of Finance and NYC311 payment guidance: August 28, 2026.