Behind on Property Taxes in New York: Your Options
Falling behind on property taxes feels just as scary as missing a mortgage payment — but it moves on a different track, and that track gives you time. Here's how New York tax enforcement works and what your options are.
Off Market Investors is a family-owned cash buyer based in Glen Cove, New York. We're not a “foreclosure rescue” service and we never charge upfront fees. Here's how New York property-tax trouble works — and your options.
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How New York tax enforcement works
Unpaid property taxes are enforced under RPTL Article 11. Generally, a tax foreclosure can't even begin until taxes are delinquent for about two years, and there's a redemption period — commonly two years from the lien date, and longer in some districts — during which you can pay what's owed (plus interest and charges) and keep your home.
Nassau & Suffolk specifics
On Long Island, Nassau and Suffolk run their own county tax-lien systems rather than the systems used elsewhere, and interest and exact timelines vary by county. Because the details differ, check your specific county's tax office for your redemption deadline and the precise amount needed to bring the taxes current.
Your options — including that the surplus is yours
You have real choices: redeem by paying the back taxes, set up a payment agreement with the county where available, get free counseling through HOPP, or sell to clear the taxes and keep your remaining equity. And remember — after recent changes in New York law, any surplus from a tax foreclosure belongs to you, the former owner, not the county.
- Call your Nassau or Suffolk county tax office for your exact balance and redemption deadline.
- Ask whether a payment plan is available to bring the taxes current over time.
- Call HOPP ((855) 466-3456) for free counseling on tax-lien and foreclosure options.
- If you choose to sell, make sure the taxes are paid from the proceeds and the surplus comes to you.
- Avoid anyone charging an upfront fee to “fix” your tax problem.
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General information only, not legal, tax, or financial advice. Confirm your county's rules and deadlines with your tax office, and get free help from HOPP or a qualified attorney.