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FIPS: 36087•Rank #24 National•Rank #6 in NY
Rockland County, NY
Forward-Looking Municipal Debt, Assessment Lag & Carrying Cost Audit
Elevated Tax Drift Risk
96% Conf.
Tax Drift Index
63.7/ 100
Elevated Drift Risk
Rockland County Executive Risk Briefing
MSRB EMMA Disclosures & US Census BureauAugust 2026
Rockland County carries a Elevated Tax Drift Score (63.7/100) based on $10,400 in overlapping municipal debt per capita and a +22% CAD assessment lag spread. Projected 3-year millage escalation of +0.25% (+25 bps) indicates an estimated +$3,835/yr escrow adjustment on median-priced properties.
Median Home: $610,000Median Income: $104,000Effective Tax: 2.4%
Municipal Debt Per Capita
$10,400
10.0% of Median Income
CAD Valuation Lag
+22.0%
Assessed Value trailing Market HPI
3-Yr Millage Escalation
+25 bps
Effective Rate: 2.4% → 2.6%
Projected Annual Escrow Shock
+$3,835/yr
Estimated on median assessed home
Interactive Property Tax & Escrow Shock Simulator
Model forward-looking ad valorem tax obligations and monthly escrow adjustments for a specific parcel in Rockland County, NY.
$610,000
$0
Current Annual Tax
$14,518
@ 2.38% eff. rate
Year 3 Projected Tax
$18,353
@ 2.63% eff. rate
Net Escrow Increase
+$3,835/yr
+$320/mo mortgage escrow
Projected Shock Attribution Breakdown+25 bps rate shift
1. Muni Bond Debt Service
+8 bps
I&S bond amortization
2. Operating Deficit Drift
+17 bps
M&O budget expansion
3. CAD Valuation Catch-up
+$2,076/yr
+$87,230 assessed base
Overlapping Taxing Jurisdictions & Debt Obligations
Breakdown of autonomous debt issuers assessing ad valorem property taxes on parcels within Rockland County.
| Entity Name | Entity Type | Outstanding Bond Debt | Debt / Student or Cap | Adopted Millage |
|---|---|---|---|---|
| Clarkstown Central School District | ISD | $210.0M | $26,000 | 1.320% |
5-Year Historical Drift Score & Effective Rate Trajectory
2022
56
2.2% eff.
2023
59
2.3% eff.
2024
61
2.3% eff.
2025
62
2.4% eff.
2026
63.7
2.4% eff.
Statutory Constraint & Legislative Policy
East Ramapo and Clarkstown school budgets face frequent voter referendum overrides to fund mandated transportation and special education.
Data Provenance & Audit Citations