What Are the Property Taxes in Quincy MA? A 2026 Guide for Buyers and Owners
For fiscal year 2026, Quincy's residential property tax rate is $11.78 per $1,000 of assessed value. That means a home assessed at $700,000 owes about $8,246 a year in property taxes, or roughly $687 a month. Commercial property is taxed at a higher rate of $23.53 per $1,000.
That is the short answer. The longer answer is the part that actually helps you make a decision, because the rate is only one of two numbers that set your bill. The other is your assessed value, and that is the one most buyers forget to ask about. Below is how the math works in Quincy, what your bill will likely look like at different price points, and the exemptions that can lower it if you qualify.
How Property Taxes Are Calculated in Quincy
Your annual tax bill comes from a simple equation: assessed value divided by 1,000, multiplied by the tax rate.
So for a home assessed at $600,000 in fiscal 2026: $600,000 divided by 1,000 equals 600. Then 600 multiplied by $11.78 equals $7,068 for the year.
Two things matter here. First, the assessed value is set by the City of Quincy Assessors Office, not by the price you paid. Assessed values are based on market conditions as of the prior January 1, so they tend to lag the live market by a year or more. A home you buy for $750,000 this spring might carry an assessed value of $640,000 on the current tax roll. That gap is normal, and it usually closes over time as the city updates assessments.
Second, the rate can change every year. Quincy uses a split tax rate, which means residential and commercial properties are taxed at different rates. The city council sets these rates each December after the state Department of Revenue certifies the city's values.
What Quincy's Tax Rate Has Done Over the Last Three Years
The residential rate has climbed steadily, but modestly. Here is the recent history straight from the Quincy Assessors Office.
| Fiscal Year | Residential Rate (per $1,000) | Commercial Rate (per $1,000) |
|---|---|---|
| 2026 | $11.78 | $23.53 |
| 2025 | $11.53 | $23.01 |
| 2024 | $11.27 | $22.45 |
A rising rate does not automatically mean a much higher bill, and a falling rate does not always mean savings. In years when assessed values jump, a city can actually lower the rate and still collect more total tax. What you feel in your wallet is the combination of the two. Watch both numbers, not just the rate.
What Your Tax Bill Will Look Like at Common Price Points
Here is roughly what you would owe in fiscal 2026 at the residential rate of $11.78 per $1,000, based on assessed value. Remember, assessed value often sits below your purchase price.
| Assessed Value | Annual Tax | Monthly (approx.) |
|---|---|---|
| $500,000 | $5,890 | $491 |
| $600,000 | $7,068 | $589 |
| $700,000 | $8,246 | $687 |
| $800,000 | $9,424 | $785 |
| $1,000,000 | $11,780 | $982 |
If you have a mortgage, most lenders fold this into your monthly payment through an escrow account, so you pay it in twelfths rather than in lump sums. If you own outright, you pay the city directly.
When Quincy Property Taxes Are Due
Quincy bills property taxes quarterly. The four payments are due on August 1, November 1, February 1, and May 1. The first two quarters are preliminary bills based on the prior year. The third and fourth quarters are the actual bills, calculated once the new rate and your new assessed value are set.
If a due date lands on a weekend or holiday, payment is due the next business day. Missing a deadline adds interest, so if you pay the city directly rather than through escrow, put those four dates on your calendar.
Exemptions That Can Lower Your Quincy Tax Bill
Quincy offers several property tax exemptions for owners who qualify. An exemption reduces part of what you owe, and you have to apply for it. These are not automatic, and you have to refile each year. For fiscal 2026, applications are due on or before April 1, 2026. That date can shift slightly in future years, so always confirm the current deadline with the Assessors Office.
Who may qualify:
Seniors. Quincy runs two senior programs. Senior Exemption 1 is for owners 70 and older under Clause 17D. Senior Exemption 2 is for owners 65 and older under Clause 41C. Both carry income and asset limits set by the state and adopted by the city.
Veterans. A range of exemptions exist for disabled veterans, Purple Heart recipients, and surviving spouses, under the Clause 22 series.
Surviving spouses and minor children. Clause 17D covers a surviving spouse or a minor child with a deceased parent.
Legally blind owners. Clause 37A provides an exemption for owners who are legally blind.
Police and firefighters. Surviving spouses or minor children of an officer or firefighter killed in the line of duty may qualify under Clauses 42 and 43.
Beyond reducing your bill, Massachusetts law also allows eligible seniors to defer their property taxes, postponing payment rather than erasing it, which can help owners who are house-rich but cash-tight. For current deferral options, the exact income limits, and to apply, contact the Quincy Assessors Office at the Exemption line, (617) 376-1175.
One thing worth knowing: Quincy does not offer a separate residential exemption for owner-occupants the way Boston, Cambridge, and Somerville do. In those cities, living in the home knocks a chunk off your assessed value automatically. In Quincy, an owner-occupied home and a rented one at the same value pay the same base rate. Relief here comes through the specific exemption programs above, not through living in the property.
What to Do If You Think Your Assessment Is Too High
If your assessed value looks out of line with what similar homes are actually worth, you can file for an abatement. This is a formal request asking the city to lower your assessed value, which in turn lowers your bill. The deadline to apply is the due date of your third-quarter actual tax bill, which for fiscal 2026 is February 1, 2026, or the next business day if that date falls on a weekend or holiday.
An abatement is not a complaint about the tax rate, which you cannot change. It is an argument that your specific assessment is inaccurate, usually backed by comparable sales. If you are considering this, it helps to look at what comparable homes near you actually sold for. That is exactly the kind of data I pull for clients, and it is the same evidence the city wants to see.
The Bottom Line
Quincy's fiscal 2026 residential tax rate is $11.78 per $1,000 of assessed value, putting a typical single-family bill in the $7,000 to $9,500 range and many condos under $6,000. The rate has risen gently over the last three years, and your actual bill depends just as much on your assessed value, which usually lags the market.
If you are buying, ask for the current tax figure on any home you tour and confirm whether the assessment reflects recent improvements or a recent sale, because both can push it up later. If you are an owner, check whether you qualify for an exemption before April 1, and look hard at your assessment before the February abatement deadline if the number seems high. Small attention here adds up to real money over the years you own the home.
Frequently Asked Questions
What is the property tax rate in Quincy MA for 2026? For fiscal year 2026, Quincy's residential property tax rate is $11.78 per $1,000 of assessed value. The commercial rate is $23.53 per $1,000.
How much are property taxes on a $700,000 home in Quincy? At the fiscal 2026 residential rate, a home assessed at $700,000 owes about $8,246 a year, or roughly $687 a month. If the home's assessed value is lower than its market price, which is common, the bill would be lower.
When are Quincy property taxes due? Quincy bills quarterly, with payments due August 1, November 1, February 1, and May 1. The first two are preliminary bills and the last two are the actual bills for the year.
Does Quincy offer property tax exemptions for seniors? Yes. Quincy offers a Clause 17D exemption for owners 70 and older and a Clause 41C exemption for owners 65 and older, both with income and asset limits. Applications are due by April 1 and must be refiled each year. A tax deferral option is also available for qualifying seniors.
How do I lower my property taxes in Quincy? You cannot change the tax rate, but you can challenge your assessed value through an abatement if it looks too high. For fiscal 2026 the filing deadline is February 1, 2026, or the next business day if it falls on a weekend or holiday. You can also apply for any exemption you qualify for, due on or before April 1, 2026.