Data Study · June 2026 · 5 states
The Most Overtaxed ZIP Codes in America
We analyzed 11.6 million property records across Texas, New York, New Jersey, Colorado and Florida, then ranked the ZIP codes where the most homes are assessed above comparable homes nearby. In 13042 (Vienna, New York), the worst ZIP in our parcel-level ranking, 49.9% of homes sit above the typical assessment for their own block.
Over-assessed = assessed more than 15% above the median home in the same ZIP. Totals cover the four states with parcel-level data (TX, NY, NJ, CO); Florida is included via aggregate ZIP data (6.3M homes).
Key findings
13042 in Vienna, New York is the most overtaxed ZIP in the parcel-level ranking: 49.9% of homes are assessed above the typical home on their own block.
50 of the 50 worst ZIPs have more than 40% of homes over-assessed, a sign of systemic, ZIP-wide over-valuation rather than a few outliers.
About 12% of the 8.2 million homes analyzed in TX, NY, NJ and CO are over-assessed, an estimated $4.4B a year left on the table.
New York accounts for 22 of the 50 most overtaxed ZIP codes, the most of any state in the study.
The 50 most overtaxed ZIP codes
Parcel-level analysis across Texas, New York, New Jersey and Colorado. Sortable and filterable, click a column to re-rank, filter by state, or search a ZIP. (Florida is ranked separately below using aggregate data.)
| ZIP / City | % Over-Assessed↕ | Avg Over-Assessment↕ | Homes Flagged↕ | Est. Overpaid / yr↕ |
|---|---|---|---|---|
| NY13042 Vienna | 49.9% | 31.3% | 323 | $335,988 |
| NY14615 Greece | 49.8% | 63.6% | 1,971 | $2,768,274 |
| NY14470 Murray | 49.7% | 30% | 990 | $977,818 |
| NJ08735 TOMS RIVER TWP | 49.6% | 17.2% | 981 | $3,488,775 |
| NY12203 Albany | 49.1% | 28.1% | 3,240 | $4,565,884 |
| NJ07435 WEST MILFORD TWP | 48.9% | 48.4% | 448 | $3,992,561 |
| NY14212 Cheektowaga | 47.3% | 33.3% | 818 | $530,768 |
| NY14055 Concord | 47.2% | 39.6% | 154 | $248,333 |
| NY13332 Hamilton | 47.2% | 22.2% | 296 | $164,092 |
| NY12771 Port Jervis | 46.8% | 67.1% | 1,460 | $6,293,808 |
| NJ07821 BYRAM TWP | 46.6% | 60.5% | 1,490 | $10,752,224 |
| NY14904 Elmira | 46.5% | 30.8% | 1,893 | $1,096,160 |
| NY14466 Richmond | 46.5% | 20.4% | 218 | $204,430 |
| NJ11210 LAKEWOOD TWP | 46.3% | 43.7% | 145 | $2,613,211 |
| NY13078 Dewitt | 46.1% | 68.8% | 1,545 | $8,107,255 |
| NY13744 Chenango | 45.9% | 65.6% | 129 | $257,458 |
| NJ08008 LONG BEACH TWP | 45.5% | 18.3% | 1,669 | $11,962,623 |
| NY12092 Cobleskill | 45.4% | 27.1% | 123 | $105,825 |
| NY13452 St Johnsville | 45.1% | 58.3% | 489 | $809,749 |
| NJ08079 SALEM CITY | 44.5% | 27.2% | 1,165 | $1,612,607 |
| TX76093 RIO VISTA | 44.2% | 76.5% | 126 | $571,213 |
| NY13135 Schroeppel | 44.1% | 52.1% | 802 | $1,982,706 |
| NY12047 Cohoes | 43.9% | 38.9% | 1,852 | $4,834,339 |
| NJ08802 BETHLEHEM TWP | 43.8% | 23.9% | 576 | $1,764,005 |
| TX78263 SAN ANTONIO | 43.7% | 54.3% | 529 | $2,034,464 |
| NY13082 Sullivan | 43.6% | 67.2% | 553 | $1,506,757 |
| TX76527 FLORENCE | 43.4% | 113.3% | 296 | $2,086,377 |
| NY13612 Rutland | 43% | 34.5% | 304 | $394,942 |
| TX78270 SAN ANTONIO | 42.3% | 67.7% | 113 | $353,181 |
| TX78615 COUPLAND | 42.1% | 85% | 91 | $574,656 |
| NY12534 Greenport | 42.1% | 40.6% | 1,450 | $3,761,133 |
| NJ07860 NEWTON TOWN | 42% | 47.9% | 3,298 | $15,144,578 |
| TX77622 HAMSHIRE | 41.9% | 56.6% | 180 | $479,783 |
| NY13219 Geddes | 41.8% | 21% | 2,456 | $2,040,694 |
| NJ08618 TRENTON CITY | 41.8% | 18.4% | 2,748 | $3,398,906 |
| NY12303 Guilderland | 41.8% | 16.2% | 3,622 | $3,921,321 |
| TX76569 ROGERS | 41.7% | 105% | 192 | $554,571 |
| NJ10306 TOMS RIVER TWP | 41.7% | 44.2% | 118 | $702,176 |
| TX77629 NOME | 41.6% | 84.6% | 96 | $260,345 |
| NJ19034 JERSEY CITY CITY | 41.6% | 23.5% | 189 | $527,002 |
| NJ07928 CHATHAM TWP | 41.5% | 26.7% | 2,754 | $20,049,887 |
| TX77024 HOUSTON | 41.3% | 85.9% | 3,550 | $117,697,261 |
| NJ11218 TRENTON CITY | 41.1% | 58.5% | 155 | $1,143,725 |
| TX78373 PORT ARANSAS | 41% | 89.3% | 1,371 | $23,318,532 |
| TX77025 HOUSTON | 40.9% | 124.1% | 2,595 | $34,526,073 |
| TX78380 ROBSTOWN | 40.9% | 99.3% | 2,705 | $8,968,768 |
| TX78418 CORPUS CHRISTI | 40.8% | 81.2% | 4,380 | $26,550,703 |
| NY13327 Croghan | 40.8% | 72.2% | 241 | $501,579 |
| TX76503 TEMPLE | 40.8% | 68.5% | 127 | $400,668 |
| NJ10956 ELIZABETH CITY | 40.8% | 25.4% | 133 | $283,375 |
Click any column to sort. Estimated overpayment applies each state's effective property-tax rate to the amount each flagged home sits above its ZIP-median assessment.
Florida: most overtaxed ZIP codes
Florida is covered with aggregate ZIP data (6.3M homes), using a $/sqft-comparable method rather than parcel-level records, so it's ranked on its own. Across the 25+ most-affected Florida ZIPs, an estimated $900M a year is overpaid by 207,067 over-assessed homes. We never publish a Florida statewide total, the Save-Our-Homes cap makes statewide aggregates unreliable.
| ZIP / City | % Over-Assessed↕ | Avg Over-Assessment↕ | Homes Flagged↕ | Est. Overpaid / yr↕ |
|---|---|---|---|---|
| FL33598 WIMAUMA | 52.7% | — | 413 | $376,496 |
| FL33585 SUMTERVILLE | 48.6% | — | 242 | $83,410 |
| FL33322 SUNRISE | 46.5% | — | 8,751 | $8,210,655 |
| FL33063 MARGATE | 45.7% | — | 9,505 | $5,867,665 |
| FL34142 NAPLES | 44.3% | — | 4,069 | $3,151,775 |
| FL34139 EVERGLADES CITY | 44.3% | — | 219 | $110,219 |
| FL32327 CRAWFORDVILLE | 44.1% | — | 4,860 | $2,714,692 |
| FL34217 HOLMES BEACH | 43.1% | — | 2,302 | $10,421,388 |
| FL32305 TALLAHASSEE | 43.1% | — | 2,388 | $1,061,928 |
| FL34613 BROOKSVILLE | 43% | — | 4,689 | $3,282,546 |
| FL33928 ESTERO | 42.9% | — | 1,051 | $804,038 |
| FL33931 FORT MYERS BEACH | 41.9% | — | 2,138 | $3,169,731 |
| FL33319 LAUDERHILL | 41.6% | — | 8,768 | $6,631,220 |
| FL34103 NAPLES | 41.5% | — | 4,115 | $24,990,601 |
| FL32179 OCKLAWAHA | 41.3% | — | 1,741 | $1,328,008 |
| FL32625 CEDAR KEY | 41.3% | — | 278 | $230,032 |
| FL32565 JAY | 41.2% | — | 541 | $273,730 |
| FL32408 PANAMA CITY BEACH | 41.1% | — | 6,656 | $8,430,229 |
| FL32409 SOUTHPORT | 41% | — | 1,705 | $1,596,242 |
| FL32404 PANAMA CITY | 40.9% | — | 6,458 | $3,713,980 |
| FL33021 HOLLYWOOD | 40.2% | — | 7,006 | $7,948,163 |
| FL32333 COUNTY | 40% | — | 1,305 | $890,709 |
| FL33921 BOCA GRANDE | 39.9% | — | 450 | $2,268,175 |
| FL32433 DEFUNIAK SPRINGS | 39.8% | — | 2,004 | $904,777 |
| FL32053 JENNINGS | 39.8% | — | 432 | $241,817 |
Click any column to sort. Florida ZIPs use aggregate $/sqft-comparable data and don't carry a per-home over-assessment percentage (shown as —). Estimated overpayment applies each state's effective property-tax rate to the amount each flagged home sits above its ZIP-median assessment.
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Methodology
We started from public assessment rolls: 11.6 million parcel records for Texas, New York, New Jersey and Colorado, plus ZIP-level aggregates for Florida. Within each ZIP we compared every single-family home to the median home in that ZIP and counted a home as over-assessed when it was assessed more than 15% above that median. Using the median (not the average) keeps a handful of very high or very low parcels from distorting the result.
Because states assess property differently, we use two consistent signals. In Texas, the assessed value is the appraised market value, so we compare assessed values directly, the same unequal-appraisal standard appraisal review boards apply (Texas Tax Code 41.43(b)(3)). In New York, New Jersey and Colorado, assessments are a fraction of market value, so we compare each home's assessment-to-market ratio against the ZIP's typical ratio (the "equal and uniform" standard). We only rank a ZIP when its assessments are internally consistent enough for a fair within-ZIP comparison, which automatically excludes ZIPs that straddle multiple assessing jurisdictions with different statutory ratios.
Estimated annual overpayment applies each state's effective property-tax rate (tax ÷ market value) to the amount each over-assessed home sits above its ZIP median: Texas ~2.1%, New Jersey ~2.23%, New York ~1.7%, Colorado ~0.55%. We excluded homes assessed more than 4× the ZIP median as non-comparable (likely data anomalies or unique parcels).
This is a ZIP-level screen: it identifies where over-assessment is common, not whether any specific home is over-assessed. For Texas we also publish a tighter, per-home neighborhood-comparison study of 14 counties on the Texas Over-Assessment Study; because it matches homes on size and age rather than a whole ZIP, its county totals are more conservative. Florida figures use the per-ZIP $/sqft-comparable method behind our Florida data and are reported only for the most-affected ZIPs, never as a statewide total. Full detail on comp selection and sources is on our methodology page.
Data as of June 2026. Snapshot generated 2026-06-18. Machine-readable data: overtaxed-zips.json.
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Citation: AppealMyTax, "The Most Overtaxed ZIP Codes in America," June 2026.
Frequently asked
What does "overtaxed" mean in this study?
A home is counted as over-assessed when its tax assessment sits more than 15% above the typical (median) home in its own ZIP code, after accounting for how each state assesses property. Over-assessment is the leading cause of an inflated property-tax bill, and it is the basis for a formal appeal. In our 8.2 million-home sample across four states, about 12% of homes were over-assessed by this measure.
Which ZIP code is the most overtaxed in America?
In our parcel-level ranking across Texas, New York, New Jersey and Colorado, 13042 (Vienna, New York) ranks first, with 49.9% of homes assessed above the typical home in the ZIP. Florida, which we analyze with aggregate ZIP data, is ranked in a separate table. The full sortable rankings are on this page.
How many homes are over-assessed, and how much is overpaid?
Across the 8.2 million homes we analyzed in Texas, New York, New Jersey and Colorado, roughly 0.9 million are assessed above comparable homes nearby, an estimated $4.4B a year in property-tax overpayment. Florida is covered separately with aggregate ZIP data on 6.3 million more homes.
What data is this based on?
Public assessment rolls. We loaded 11.6 million parcel records for Texas, New York, New Jersey and Colorado from each state's open property data, plus ZIP-level aggregates for Florida. Every figure traces back to government appraisal records, not estimates or surveys.
Does being in an overtaxed ZIP mean my home is over-assessed?
Not necessarily. This study is a ZIP-level screen, it tells you where over-assessment is common, not whether your specific home is over-assessed. The only way to know is a per-home comparison against similar properties. Our free address check does exactly that in about 30 seconds.
Can I appeal if my home is over-assessed?
Yes. Every state with a property tax lets owners formally appeal (or "protest") their assessment, usually once a year within a filing window. If comparable homes are assessed for less than yours, that is the standard "unequal appraisal" grounds for a reduction. AppealMyTax builds your pre-filled protest kit, evidence plus a ready-to-sign appeal letter, for $49.
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