Cecil County, Maryland Property Taxes

Name: Property Tax Bills Across Cecil County, Maryland
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median Cecil County effective property tax rate: 0.89%, significantly lower than the national median of 1.02%.
Median Cecil County home value: $239,900
Median annual Cecil County tax bill: $2,238, $162 lower than the national median property tax bill of $2,400.

How are property taxes in Cecil County calculated?

Property taxes in Cecil County are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Elkton or another part of Cecil County, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Cecil County, Maryland Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

0.89%

Estimate Property Tax Bill

$2,135

$1,981

Ownwell’s Cecil County Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Cecil County with just two data points. By entering your property's estimated assessed value, our calculator applies Cecil County’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a more precise calculation for your property tax obligations.

This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in Cecil County. With a median property tax bill of $2,401, Cecil County is slightly above the national median of $2,400. This makes it crucial for property owners to be proactive in managing their tax obligations.

For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Cecil County, Maryland

Local government entities set tax rates, which can vary widely within a state. Annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate. While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process. Below, you can compare Cecil County's effective property tax rate to other counties in Maryland or the U.S. median property tax rate.

Property Tax Rates Across Cecil County, Maryland

Source: Ownwell

0.68%

0.91%

1.14%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Cecil County Tax Rate

0.89%

Median Effective Maryland Tax Rate

1.06%

Median Effective United States Tax Rate

1.02%

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	N/A	N/A	N/A	N/A	N/A
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

When examining property taxes in Cecil County, understanding the distinction between "market value" and "assessed value" is crucial. The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Cecil County Department of Assessments and Taxation estimates the market value for tax purposes. The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

In Cecil County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of April. Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Cecil County.

For example, the median tax bill in Cecil County is $2,400, with tax bills ranging significantly across the county. Warwick has the highest median home price at $343,400.

Property Tax Assessment Values Across Cecil County, Maryland

Source: Ownwell

$154,700

$249,050

$343,400

Median Cecil County Market Value

$239,900

Median Maryland Market Value

$317,700

Median United States Market Value

$235,294

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	N/A	N/A	N/A	N/A	N/A
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, which is determined by local government assessors. The assessed value is then multiplied by the local tax rate to calculate the property tax bill. Homeowners in Cecil County experience a range of property tax bills, with the 25th percentile paying around $1,599 and the 75th percentile paying approximately $3,152. Those at the 90th percentile can expect a tax bill of $4,261. These figures indicate a significant variance in tax bills across the county, influenced by factors such as property size, location, and market conditions. Compared to the national median property tax bill of $2,400, Cecil County's taxes can be both lower and higher, depending on the property. Homeowners need to consider these factors as they affect the overall cost of owning a home. High property taxes can impact affordability, while lower taxes might make certain areas more attractive to potential buyers.

Property Tax Bills Across Cecil County, Maryland

Source: Ownwell

$1,134

$2,121

$3,107

Median Cecil County Tax Bill

$2,238

Median Maryland Tax Bill

$3,419

Median United States Tax Bill

$2,400

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	N/A	N/A	N/A	N/A	N/A
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