Property taxes in Middletown can feel confusing, especially when you are trying to budget a new purchase or plan for retirement. You want to keep your costs down without missing benefits you qualify for. This guide breaks down STAR and local exemptions in simple terms, with the exact 2025–2026 amounts, deadlines, and steps to apply in Middletown. Let’s dive in.
STAR basics in Middletown
STAR reduces the school tax portion of your bill in most New York municipalities, including Middletown. It does not lower city, town, or county taxes. You may receive STAR as either a credit (a state check or direct deposit) or as an older, grandfathered exemption on the bill. The state explains the program types and delivery.
If you did not have a STAR exemption before 2016, the exemption program is closed to new applicants. New homeowners must register with New York State for the STAR credit instead of filing for a local exemption. See the state’s overview of the STAR exemption program closure and credit registration.
2025–2026 STAR amounts and limits
For the City of Middletown, the New York State certified exemption amounts for the 2025–2026 school year are:
- Enhanced STAR exemption: $10,480
- Basic STAR exemption: $3,650 You can view these municipality-specific figures in the state’s STAR exemption amounts table. Amounts are certified annually and may be recertified by the state.
Enhanced STAR is for eligible owners age 65 or older who meet the income limit. For 2025 benefits (2025–2026 school year), the Enhanced STAR income limit is $107,300. Middletown’s assessor page outlines the age and income proof requirements and notes a March 1, 2025 filing date for that cycle. See the city’s Exemptions page for local instructions and forms.
How to get your STAR benefit
New homeowners: register for the STAR credit
If you bought your Middletown home and were not already receiving a STAR exemption on this property before 2016, register online for the STAR credit through the state’s STAR portal. You can also enroll in direct deposit and check your status there. If the property had a prior exemption, contact the assessor to confirm what carries over.
Seniors: upgrade to Enhanced STAR
Turning 65 and meet the income limit. If you currently receive Basic STAR as an exemption on the bill, you may need to file RP‑425‑E and RP‑425‑IVP with the Middletown assessor by the taxable status date. The state has automated some upgrades in recent years, but local practice can vary. Review the state’s Enhanced STAR application guidance and check Middletown’s Exemptions page for the city’s current filing instructions.
Income documents and key deadlines
Provide the required proof of age and the applicable federal tax return or income worksheet. Many exemptions, including Enhanced STAR, use specific state income rules. In Middletown, file by the taxable status date, which is typically March 1. For general deadline guidance, see the state assessor manual on taxable status dates and filings. Always confirm the current year’s date and document list with the assessor.
Local exemptions beyond STAR
Middletown homeowners may also qualify for local exemptions in addition to STAR. The city lists forms and instructions on its Exemptions page.
- Senior Citizens Exemption (RP‑467). A local option with its own income limits and filing rules.
- Alternative Veterans Exemption (RP‑458). Partial exemption based on veteran status, disability, and combat service, with percentages set locally.
- Persons with Disabilities and Limited Incomes (RP‑459‑c). May reduce assessed value based on income and documentation. Learn more from the state’s page on the disability exemption.
Bring required proof such as age, income, VA or Social Security award letters, or other certifications called for by the forms.
Buyer and seller scenarios in Middletown
- You just bought a house. If you did not have a STAR exemption on this property before 2016, register for the STAR credit with the state. Do not file a new exemption locally unless you are grandfathered.
- You are turning 65 and already receive Basic STAR as an exemption. File RP‑425‑E and RP‑425‑IVP by March 1 unless the assessor confirms the state will process your upgrade. Check the city’s instructions.
- You want to estimate savings. Multiply the Middletown exemption amount by your school tax rate to estimate dollars saved. The state lists the current Middletown exemption amounts; your actual bill shows the calculation.
- You are thinking about switching from a local exemption to the STAR credit. Switching is generally irreversible. Review the state’s STAR portal and speak with the assessor before you change.
Next steps and local contacts
- Check your STAR status in the state portal or by phone with the NYS Tax Department.
- If you think you qualify for Enhanced STAR, gather proof of age and income and confirm the $107,300 income limit for 2025 benefits.
- If you need to file locally, download the correct forms from the city’s Exemptions page and submit them by March 1.
- Ask about Senior Citizens, Veterans, or Disability exemptions, including local income caps and documentation.
- Contact the Middletown Assessor with questions or to confirm deadlines: City Hall, 16 James Street, Middletown, NY 10940, 845‑346‑4100.
Thinking about a move and how exemptions could impact your budget. Reach out to James J Cosenza for local guidance on timing, taxes, and your next steps in Middletown.
FAQs
What is the difference between the STAR credit and exemption in Middletown
- The credit is a state payment to you, while the exemption reduces the school tax on your bill; new applicants must use the credit because the exemption program is closed to new applicants.
What are the 2025–2026 STAR exemption amounts in Middletown
- The certified amounts are $10,480 for Enhanced STAR and $3,650 for Basic STAR, subject to annual recertification by the state.
What is the income limit for Enhanced STAR for 2025 benefits
- The Enhanced STAR income limit is $107,300 for the 2025–2026 school year; you must also meet the age requirement.
When is the Middletown deadline to file local exemption applications
- The taxable status date is typically March 1; confirm the current year’s deadline with the Middletown Assessor.
Which local exemptions beyond STAR can Middletown homeowners use
- Common options include the Senior Citizens Exemption, Alternative Veterans Exemption, and the Persons with Disabilities and Limited Incomes exemption, each with its own rules and income limits.
How do I estimate my dollar savings from Enhanced STAR in Middletown
- Multiply the Middletown Enhanced STAR exemption amount by your school tax rate; your tax bill will show the exact calculation.
