Frederick County, Maryland Property Taxes
The median property tax rate in Frederick County is 1.20%, which is significantly higher than both the national median of 0.99% and Maryland's state median of 1.06%. With the median home value in Frederick County at $362,500, the typical annual property tax bill reaches $4,509, surpassing the national median of $2,690. Property taxes in Frederick County are calculated based on the tax assessed value, which generally falls below the actual market value due to various property tax exemptions like the primary residence and agricultural exemptions. Understanding Frederick County's specific property tax system, exploring available exemptions, and identifying opportunities for property tax reductions can provide significant annual savings. Whether you live in Frederick or another part of Frederick County, gaining a comprehensive knowledge of local property taxes will benefit both homeowners and real estate investors.
Last Updated June 14, 2024
Frederick County, Maryland Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Average Tax Rate
1.2%
Estimate Property Tax Bill
$4,350
$4,037
Ownwell’s Frederick County Property Tax Bill Calculator helps any homeowner, real estate investor, or potential owner estimate their annual property taxes in Frederick County with just two data points. Enter your property's estimated assessed value, and our calculator applies the median tax rate in Frederick County to estimate your property tax bill. This tool provides valuable insights to help 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's 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 Frederick County, Maryland
Property taxes in Frederick County play a crucial role in funding essential local services like public schools, road maintenance, and emergency services. The median tax rate in Frederick County is 1.20%, which is higher than both the Maryland state median and the U.S. national median of 0.99%. Local government entities within Frederick County set these rates annually, and they can vary significantly between different areas within the county. Each year, Frederick 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. The following data compares Frederick County's effective property tax rate with other counties in Maryland and the national median. For comparison, the city of Brunswick has one of the higher property tax rates in Maryland at 1.53%, while the city of Union Bridge boasts one of the lowest at 0.98%. Analyzing how Frederick County's tax rates stack up against these benchmarks can give homeowners a better understanding of the local tax landscape.
Average Frederick County Tax Rate
1.20%
Average Maryland Tax Rate
1.06%
Average United States Tax Rate
0.99%
Property Tax Rates Across Frederick County, Maryland
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Adamstown | 1.04% | 1.12% | 1.14% | 1.16% | 1.18% |
| Boonsboro | N/A | N/A | N/A | N/A | N/A |
| Braddock Heights | 1.19% | 1.20% | 1.21% | 1.22% | 1.22% |
| Braddock Hts | N/A | N/A | N/A | N/A | N/A |
| Brunswick | 1.38% | 1.49% | 1.53% | 1.82% | 1.88% |
| Buckeystown | 0.99% | 1.13% | 1.16% | 1.18% | 1.19% |
| Burkittsville | 1.15% | 1.26% | 1.41% | 1.43% | 1.45% |
| Cascade | 1.08% | 1.20% | 1.22% | 1.25% | 1.30% |
| Clarksburg | 1.00% | 1.09% | 1.14% | 1.16% | 1.17% |
| Damascus | 1.12% | 1.12% | 1.13% | 1.14% | 1.15% |
| Dickerson | 1.01% | 1.10% | 1.14% | 1.16% | 1.18% |
| Emmitsburg | 1.19% | 1.23% | 1.50% | 1.56% | 1.58% |
| Frederick | 1.01% | 1.14% | 1.33% | 1.49% | 1.57% |
| Ijamsville | 1.03% | 1.08% | 1.12% | 1.14% | 1.16% |
| Jefferson | 1.01% | 1.10% | 1.13% | 1.16% | 1.21% |
| Keymar | 0.88% | 0.95% | 1.02% | 1.08% | 1.10% |
| Knoxville | 1.09% | 1.14% | 1.18% | 1.29% | 1.49% |
| Ladiesburg | N/A | N/A | N/A | N/A | N/A |
| Libertytown | 0.94% | 0.99% | 1.04% | 1.07% | 1.07% |
| Middletown | 1.18% | 1.20% | 1.22% | 1.42% | 1.43% |
| Monrovia | 1.03% | 1.07% | 1.11% | 1.13% | 1.15% |
| Mount Airy | 1.02% | 1.09% | 1.14% | 1.16% | 1.28% |
| Myersville | 1.16% | 1.20% | 1.22% | 1.42% | 1.43% |
| New Market | 1.07% | 1.11% | 1.14% | 1.18% | 1.27% |
| New Windsor | 0.87% | 0.95% | 0.99% | 1.02% | 1.05% |
| Point Of Rocks | 1.11% | 1.12% | 1.14% | 1.17% | 1.18% |
| Rocky Ridge | 1.05% | 1.17% | 1.22% | 1.24% | 1.26% |
| Sabillasville | 1.16% | 1.21% | 1.23% | 1.26% | 1.28% |
| Smithsburg | 1.16% | 1.21% | 1.22% | 1.24% | 1.26% |
| Taneytown | 1.01% | 1.16% | 1.22% | 1.24% | 1.26% |
| Thurmont | 0.98% | 1.20% | 1.29% | 1.53% | 1.54% |
| Tuscarora | 0.95% | 1.10% | 1.14% | 1.17% | 1.22% |
| Union Bridge | 0.86% | 0.93% | 0.98% | 1.02% | 1.06% |
| Unionville | N/A | N/A | N/A | N/A | N/A |
| Walkersville | 0.96% | 1.01% | 1.09% | 1.14% | 1.17% |
| Woodsboro | 0.92% | 0.99% | 1.06% | 1.10% | 1.13% |
Source: Ownwell
Property Tax Assessment Values Across Frederick County, Maryland
In Frederick 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 Frederick 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 Frederick 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. Being aware of these valuation processes in Frederick County will help you identify opportunities for appealing assessments or applying for exemptions to manage your tax burden more effectively. In Frederick County, Damascus has the highest median tax bill at $6,096, while Libertytown has the lowest at $2,294.
Property Tax Assessment Values Across Frederick County, Maryland
Source: Ownwell
$211,100
$375,950
$540,800
Average Frederick County Assessed Value
$362,500
Average Maryland Assessed Value
$317,700
Average United States Assessed Value
$244,900
Property Tax Assessment Values Across Frederick County, Maryland
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Adamstown | $258,000 | $350,650 | $458,100 | $547,950 | $635,940 |
| Boonsboro | N/A | N/A | N/A | N/A | N/A |
| Braddock Heights | $214,460 | $246,700 | $322,700 | $405,350 | $498,120 |
| Braddock Hts | N/A | N/A | N/A | N/A | N/A |
| Brunswick | $170,200 | $207,200 | $266,400 | $405,600 | $495,560 |
| Buckeystown | $198,760 | $259,700 | $323,100 | $418,300 | $497,980 |
| Burkittsville | $155,840 | $185,400 | $244,700 | $329,600 | $417,080 |
| Cascade | $117,610 | $189,250 | $239,450 | $302,300 | $449,530 |
| Clarksburg | $379,760 | $435,600 | $513,400 | $650,700 | $904,780 |
| Damascus | $336,000 | $403,300 | $540,800 | $643,400 | $701,600 |
| Dickerson | $248,300 | $364,500 | $491,700 | $756,250 | $925,740 |
| Emmitsburg | $124,200 | $157,400 | $211,100 | $296,800 | $367,440 |
| Frederick | $222,300 | $273,600 | $350,600 | $462,700 | $597,000 |
| Ijamsville | $326,020 | $388,600 | $485,900 | $647,325 | $817,960 |
| Jefferson | $212,700 | $299,425 | $383,650 | $459,825 | $554,050 |
| Keymar | $229,410 | $284,675 | $349,100 | $448,375 | $581,300 |
| Knoxville | $190,840 | $253,000 | $322,400 | $483,900 | $567,180 |
| Ladiesburg | N/A | N/A | N/A | N/A | N/A |
| Libertytown | $145,000 | $145,000 | $235,400 | $311,500 | $377,080 |
| Middletown | $233,900 | $282,525 | $354,450 | $453,700 | $558,700 |
| Monrovia | $342,260 | $396,200 | $483,400 | $651,500 | $753,740 |
| Mount Airy | $298,510 | $359,525 | $450,550 | $549,600 | $653,800 |
| Myersville | $201,920 | $254,700 | $327,900 | $404,800 | $527,740 |
| New Market | $281,310 | $357,825 | $437,050 | $541,475 | $640,290 |
| New Windsor | $275,640 | $342,925 | $430,850 | $565,500 | $720,680 |
| Point Of Rocks | $238,900 | $274,300 | $348,900 | $452,725 | $515,650 |
| Rocky Ridge | $163,600 | $200,800 | $251,600 | $345,700 | $493,000 |
| Sabillasville | $128,000 | $159,300 | $212,500 | $302,700 | $422,500 |
| Smithsburg | $152,380 | $200,500 | $263,750 | $343,125 | $427,380 |
| Taneytown | $154,660 | $197,900 | $255,600 | $339,100 | $435,540 |
| Thurmont | $160,290 | $190,100 | $246,250 | $320,575 | $425,970 |
| Tuscarora | $173,940 | $266,475 | $376,950 | $692,800 | $883,190 |
| Union Bridge | $237,200 | $303,400 | $381,500 | $500,800 | $693,460 |
| Unionville | N/A | N/A | N/A | N/A | N/A |
| Walkersville | $217,510 | $266,600 | $364,600 | $466,175 | $572,900 |
| Woodsboro | $234,600 | $293,100 | $392,000 | $519,400 | $652,880 |
Source: Ownwell
Property Tax Bills Across Frederick County, Maryland
In Frederick 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 and reflects the market value of the property. This assessed value is then multiplied by the tax rate to determine the annual tax bill. Several factors influence the assessed value, including the property's location, size, and condition. Homeowners in Frederick County experience varying tax bills, with the median home price at $362,500. For instance, the 25th percentile tax bill is $3,360, while the 75th percentile reaches $5,971, and the 90th percentile climbs to $7,643. Comparatively, the national median property tax rate is 0.99%, which homeowners in Frederick County can use as a benchmark. Within the county, Damascus has the highest median tax bill at $6,096, whereas Libertytown has the lowest at $2,294. These variations significantly impact homeowners' annual expenses, influencing their overall financial planning and housing affordability.
Average Frederick County Tax Bill
$4,509
Average Maryland Tax Bill
$3,419
Average United States Tax Bill
$2,690
Property Tax Bills Across Frederick County, Maryland
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Adamstown | $2,878 | $3,823 | $5,135 | $6,152 | $7,059 |
| Boonsboro | N/A | N/A | N/A | N/A | N/A |
| Braddock Heights | $2,395 | $2,938 | $3,888 | $4,814 | $5,814 |
| Braddock Hts | N/A | N/A | N/A | N/A | N/A |
| Brunswick | $2,533 | $3,015 | $3,934 | $7,440 | $9,139 |
| Buckeystown | $2,192 | $2,916 | $3,493 | $4,363 | $5,443 |
| Burkittsville | $2,101 | $2,467 | $3,184 | $4,230 | $5,658 |
| Cascade | $1,437 | $2,191 | $2,907 | $3,691 | $5,416 |
| Clarksburg | $3,995 | $4,984 | $5,757 | $6,963 | $9,978 |
| Damascus | $3,763 | $4,234 | $6,096 | $7,346 | $7,994 |
| Dickerson | $2,738 | $3,837 | $5,619 | $8,441 | $10,348 |
| Emmitsburg | $1,650 | $2,221 | $2,845 | $3,921 | $5,369 |
| Frederick | $2,710 | $3,442 | $4,633 | $6,163 | $8,078 |
| Ijamsville | $3,553 | $4,230 | $5,348 | $7,102 | $8,886 |
| Jefferson | $2,393 | $3,355 | $4,291 | $5,128 | $6,224 |
| Keymar | $2,231 | $2,819 | $3,515 | $4,517 | $5,671 |
| Knoxville | $2,169 | $2,866 | $3,931 | $6,277 | $7,811 |
| Ladiesburg | N/A | N/A | N/A | N/A | N/A |
| Libertytown | $1,553 | $1,553 | $2,294 | $3,198 | $3,869 |
| Middletown | $2,856 | $3,446 | $4,431 | $5,943 | $7,358 |
| Monrovia | $3,804 | $4,403 | $5,283 | $7,117 | $8,210 |
| Mount Airy | $3,436 | $4,105 | $4,986 | $6,198 | $7,291 |
| Myersville | $2,323 | $3,199 | $4,161 | $5,206 | $6,469 |
| New Market | $3,285 | $4,188 | $5,088 | $6,197 | $7,319 |
| New Windsor | $2,594 | $3,325 | $4,176 | $5,524 | $7,028 |
| Point Of Rocks | $2,714 | $3,115 | $3,968 | $5,083 | $5,736 |
| Rocky Ridge | $1,910 | $2,394 | $2,960 | $3,962 | $5,650 |
| Sabillasville | $1,563 | $1,956 | $2,563 | $3,585 | $5,077 |
| Smithsburg | $1,709 | $2,423 | $3,141 | $4,109 | $5,099 |
| Taneytown | $1,860 | $2,357 | $3,044 | $3,858 | $5,033 |
| Thurmont | $2,048 | $2,585 | $3,267 | $4,184 | $5,127 |
| Tuscarora | $1,902 | $2,967 | $4,300 | $7,471 | $9,472 |
| Union Bridge | $2,337 | $2,976 | $3,702 | $4,842 | $6,550 |
| Unionville | N/A | N/A | N/A | N/A | N/A |
| Walkersville | $2,191 | $2,996 | $3,815 | $5,026 | $6,270 |
| Woodsboro | $2,446 | $3,042 | $4,042 | $5,323 | $6,505 |
Source: Ownwell
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