Estimate your Maryland property tax based on the state's 0.99% average effective rate. Enter your home value for an instant, free calculation.
Enter any tax exemption amount you qualify for in Maryland
Maryland is unusual: the state, not local officials, assesses every property, reappraising on a rolling three-year cycle. Local governments then set their own rates on the full assessed value, and the Homestead Tax Credit caps how fast your taxable value can climb.
The State Department of Assessments and Taxation (SDAT) assesses all property, reassessing each parcel once every three years at full fair market value. Counties, Baltimore City, and municipalities set their own rates on the full assessed value, and the state also levies a small statewide rate.
| Home Value | Estimated Annual Tax | Monthly (Escrow) |
|---|---|---|
| $250,000 | $2,475 | $206/mo |
| $399,000 (median) | $3,950 | $329/mo |
| $600,000 | $5,940 | $495/mo |
Effective rates vary within Maryland. These figures are median-tax-to-median-value estimates from U.S. Census ACS data (2019–2023 ACS 5-year (SmartAsset)) for some of the most populous counties:
| County | Effective Rate |
|---|---|
| Baltimore city | 1.40% |
| Prince George's County | 1.12% |
| Howard County | 1.11% |
| Allegany County | 1.05% |
| Baltimore County | 1.03% |
| Charles County | 1.01% |
| Frederick County | 0.94% |
| Montgomery County | 0.89% |
| Anne Arundel County | 0.83% |
| Harford County | 0.80% |
Among these counties, effective rates range from about 0.80% in Harford County to 1.40% in Baltimore city. Your actual rate depends on the local mill/millage set by your county, city, and school district.
The Homestead Tax Credit limits how much the taxable assessed value of an owner-occupied principal residence can rise each year — capped at 10% statewide, and often lower at the county or city level. It doesn't reduce the assessment itself, only how fast the taxable portion grows.
The Homeowners' Property Tax Credit (circuit breaker) caps property tax based on income for households under $60,000 gross income. Veterans with a 100% permanent service-connected disability (and eligible surviving spouses) can receive a full exemption on their dwelling, blind homeowners get a $15,000 assessment reduction, and many counties add local senior credits.
Maryland runs a July 1–June 30 fiscal year. Bills are issued in July and due by September 30; owner-occupants may pay in two semiannual installments (first half due September 30, second half due December 31).
Owners have 45 days from the date of the reassessment notice to appeal to SDAT. Further appeals go to the local Property Tax Assessment Appeals Board and then the Maryland Tax Court.
Maryland's average effective property tax rate is about 0.95% of home value, slightly above the national average. Because home values are high, median annual bills are among the higher ones in the country.
The state (SDAT), not local officials, assesses all property and reassesses each parcel once every three years at full market value.
It caps how much the taxable assessed value of your principal residence can increase each year — no more than 10% at the state level, and often less at the county or city level.