Cecil County Property Taxes
The median property tax rate in Cecil County is 0.89%, which is notably lower than both the national median of 0.99% and the Maryland state median of 1.06%. With the median home value in Cecil County, the typical annual property tax bill amounts to $2,238, which is below the national median of $2,690. Property taxes in Cecil County are determined based on the tax assessed value, which generally is less than the actual market value due to various property tax exemptions, such as those for primary residences and agricultural properties. Understanding Cecil County's specific property tax system, exploring available exemptions, and identifying opportunities for property tax reductions can lead to significant annual savings. Whether you reside in Elkton or another area of Cecil County, having a thorough understanding of local property taxes will benefit both homeowners and real estate investors.
Last Updated June 14, 2024
Cecil County Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Average Tax Rate
0.89%
Estimate Property Tax Bill
$2,135
$1,981
Ownwell’s Cecil County Property Tax Bill Calculator helps any homeowner, real estate investor, or potential owner to estimate their annual property taxes in Cecil County with just 2 data points. Enter your property's estimated assessed value, and our calculator applies the median tax rate in Cecil County to estimate your property tax bill. This insight helps you understand potential tax liabilities. If you’d like to see trends on a city level, scroll down to navigate to a more local informational page. Your property assessed value is the value assigned to your property by your county for property tax calculations. Assessed value takes into account any exemptions you may have on your property.
Property Tax Rates Across Cecil County, Maryland
Property taxes in Cecil County play a crucial role in funding essential local services like public schools, road maintenance, and emergency services. The median tax rate in Cecil County is 0.89%, which is lower than the U.S. national median of 0.99%. Local government entities within Cecil County set these rates annually, and they can vary significantly between different areas within the county. Each year, Cecil County estimates its required budget to maintain services for the upcoming fiscal year, and divides this budget by the total value of all taxable property in the jurisdiction, resulting in the property tax rate. Although tax rates and budgets are influenced by laws and voter input, this calculation forms the basic process for setting property tax rates. For comparison, the city of Charlestown has one of the higher property tax rates in Maryland at 1.14%, while the city of Elk Mills boasts one of the lowest at 0.68%. Analyzing how Cecil County's tax rates stack up against these benchmarks can give homeowners a better understanding of the local tax landscape.
Average Cecil County Tax Rate
0.89%
Average Maryland Tax Rate
1.06%
Average United States Tax Rate
0.99%
Property Tax Rates Across Cecil County, Maryland
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Cecilton | 0.96% | 1.04% | 1.09% | 1.19% | 1.49% |
| Charlestown | 0.80% | 1.07% | 1.14% | 1.44% | 1.44% |
| Chesapeake City | 0.75% | 0.82% | 0.92% | 1.12% | 1.34% |
| Childs | 0.78% | 0.78% | 0.78% | 0.78% | 0.78% |
| Colora | 0.63% | 0.70% | 0.76% | 0.83% | 0.99% |
| Conowingo | 0.63% | 0.72% | 0.79% | 0.86% | 1.02% |
| Earleville | 0.67% | 0.79% | 0.94% | 1.11% | 1.14% |
| Elk Mills | 0.45% | 0.57% | 0.68% | 1.01% | 1.07% |
| Elkton | 0.66% | 0.76% | 0.90% | 1.32% | 1.58% |
| Georgetown | 0.73% | 0.85% | 1.10% | 1.13% | 1.15% |
| North East | 0.70% | 0.79% | 0.89% | 1.13% | 1.38% |
| Perryville | 0.83% | 0.95% | 1.13% | 1.22% | 1.47% |
| Port Deposit | 0.68% | 0.76% | 0.85% | 0.96% | 1.38% |
| Rising Sun | 0.64% | 0.72% | 0.81% | 1.03% | 1.27% |
| Warwick | 0.67% | 0.81% | 0.90% | 0.97% | 1.11% |
Source: Ownwell
Property Tax Assessment Values Across Cecil County, Maryland
In Cecil County, understanding the difference between "market value" and "assessed value" is key to comprehending property taxes. The market value represents the price a willing buyer would pay to a willing seller in an open, competitive market, considering location, property condition, and current economic trends. For tax purposes, this value is estimated by the Cecil County Appraisal District. The assessed value, however, is the market value minus any applicable exemptions or limits based on local laws and available programs. The assessed value is then used to calculate your property taxes by multiplying it by the combined tax rates of all relevant taxing entities. Assessment notices in Cecil County are typically mailed in the spring, usually by the middle of April. These notices provide homeowners with both the market and assessed values, along with an estimate of the annual property tax bill. By distinguishing between these valuation concepts, property owners can better navigate their tax responsibilities and understand how their property taxes are affected. In Cecil County, Warwick has the highest median tax bill at $3,107, while Elk Mills has the lowest at $1,134. Being aware of these valuation processes will help you identify opportunities for appealing assessments or applying for exemptions to manage your tax burden more effectively.
Average Cecil County Assessed Value
$239,900
Average Maryland Assessed Value
$317,700
Average United States Assessed Value
$244,900
Property Tax Assessment Values Across Cecil County, Maryland
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Cecilton | $108,820 | $152,950 | $182,700 | $241,000 | $265,180 |
| Charlestown | $93,880 | $152,150 | $206,150 | $259,125 | $363,110 |
| Chesapeake City | $165,820 | $206,500 | $264,900 | $362,200 | $576,080 |
| Childs | $308,000 | $308,000 | $308,000 | $308,000 | $308,000 |
| Colora | $184,210 | $223,100 | $275,550 | $333,650 | $398,030 |
| Conowingo | $151,330 | $205,400 | $252,250 | $311,500 | $389,300 |
| Earleville | $61,300 | $126,000 | $212,100 | $344,600 | $532,200 |
| Elk Mills | $73,820 | $116,000 | $154,700 | $243,800 | $333,820 |
| Elkton | $118,000 | $169,200 | $232,600 | $311,100 | $409,000 |
| Georgetown | $84,600 | $132,900 | $197,400 | $366,950 | $1,006,400 |
| North East | $114,690 | $168,825 | $235,500 | $321,125 | $417,830 |
| Perryville | $134,400 | $164,650 | $214,050 | $281,525 | $346,070 |
| Port Deposit | $128,770 | $183,300 | $251,500 | $335,375 | $408,590 |
| Rising Sun | $173,600 | $214,800 | $264,500 | $330,300 | $437,900 |
| Warwick | $123,100 | $203,625 | $343,400 | $520,500 | $667,730 |
Source: Ownwell
Property Tax Bills Across Cecil County, Maryland
In Cecil County, MD, property tax bills are calculated based on the assessed value of a home and the local tax rate. The assessed value is determined by the county's property assessor, who evaluates the property's market value. Homeowners in Cecil County face varying tax bills, with the 25th percentile at $1,599, the 75th percentile at $3,152, and the 90th percentile reaching $4,261. These figures are influenced by property values and the specific tax rate applied. Factors such as location, property size, and market conditions play significant roles in determining the assessed value. For example, homes in Warwick have the highest median tax bill in the county at $3,107, while those in Elk Mills have the lowest at $1,134. Compared to the national median property tax rate of 0.99%, Cecil County's rates can significantly impact homeowners' annual expenses. Understanding these factors helps homeowners anticipate their property tax obligations and manage their finances effectively.
Average Cecil County Tax Bill
$2,238
Average Maryland Tax Bill
$3,419
Average United States Tax Bill
$2,690
Property Tax Bills Across Cecil County, Maryland
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Cecilton | $1,379 | $1,671 | $2,181 | $2,717 | $2,968 |
| Charlestown | $757 | $1,637 | $2,378 | $3,076 | $4,538 |
| Chesapeake City | $1,495 | $1,962 | $2,584 | $3,755 | $5,852 |
| Childs | $2,390 | $2,390 | $2,390 | $2,390 | $2,390 |
| Colora | $1,276 | $1,637 | $2,114 | $2,736 | $3,311 |
| Conowingo | $1,059 | $1,556 | $2,029 | $2,588 | $3,442 |
| Earleville | $566 | $1,169 | $1,862 | $3,204 | $5,232 |
| Elk Mills | $368 | $749 | $1,134 | $1,895 | $2,595 |
| Elkton | $1,110 | $1,600 | $2,226 | $3,186 | $4,314 |
| Georgetown | $742 | $1,337 | $2,009 | $4,069 | $10,180 |
| North East | $1,006 | $1,597 | $2,224 | $3,108 | $4,203 |
| Perryville | $1,271 | $1,719 | $2,397 | $3,307 | $4,141 |
| Port Deposit | $1,095 | $1,592 | $2,181 | $3,045 | $3,839 |
| Rising Sun | $1,272 | $1,683 | $2,333 | $3,151 | $3,981 |
| Warwick | $948 | $1,783 | $3,107 | $4,737 | $6,403 |
Source: Ownwell