Harford County, Maryland Property Taxes
The median property tax rate in Harford County is 1.16%, which is higher than both the national median of 0.99% and the Maryland state median of 1.06%. With the median home value in Harford County, the typical annual property tax bill reaches $3,245, which exceeds the national median of $2,690. Property taxes in Harford 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 Harford 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 Bel Air or another part of Harford County, gaining a comprehensive knowledge of local property taxes will benefit both homeowners and real estate investors.
Last Updated June 14, 2024
Harford County, Maryland Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Average Tax Rate
0.99%
Estimate Property Tax Bill
$2,769
$2,569
Ownwell’s Harford Property Tax Bill Calculator helps any homeowner, real estate investor, or potential owner to estimate their annual property taxes in Harford with just 2 data points. Enter your property's estimated assessed value, and our calculator applies the median tax rate in Harford 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 Harford County, Maryland
Property taxes in Harford County play a crucial role in funding essential local services like public schools, road maintenance, and emergency services. The median tax rate in Harford County is 0.99%, which aligns with the U.S. national median of 0.99%. Local government entities within Harford County set these rates annually, and they can vary significantly between different areas within the county. Each year, Harford 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 Harford County's effective property tax rate with other areas in Maryland and the national median. For comparison, the city of Perryman has one of the higher property tax rates in Maryland at 1.07%, while the city of Havre de Grace boasts one of the lowest at 0.90%. Analyzing how Harford County's tax rates stack up against these benchmarks can give homeowners a better understanding of the local tax landscape.
Average Harford County Tax Rate
0.99%
Average Maryland Tax Rate
1.06%
Average United States Tax Rate
0.99%
Property Tax Rates Across Harford County, Maryland
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Aberdeen | 0.89% | 0.92% | 0.94% | 1.06% | 1.08% |
| Abingdon | 1.04% | 1.05% | 1.06% | 1.06% | 1.08% |
| Baldwin | 0.88% | 1.03% | 1.05% | 1.06% | 1.07% |
| Bel Air | 0.79% | 0.87% | 0.93% | 0.96% | 1.07% |
| Belcamp | 1.04% | 1.05% | 1.07% | 1.08% | 1.08% |
| Churchville | 0.78% | 0.92% | 0.96% | 1.00% | 1.07% |
| Darlington | 0.78% | 1.00% | 1.04% | 1.07% | 1.09% |
| Edgewood | 0.99% | 1.04% | 1.05% | 1.06% | 1.08% |
| Fallston | 0.81% | 0.93% | 0.97% | 1.01% | 1.06% |
| Forest Hill | 0.84% | 0.92% | 0.95% | 0.98% | 1.05% |
| Havre De Grace | 0.83% | 0.88% | 0.90% | 0.93% | 1.08% |
| Hydes | 0.89% | 0.98% | 1.00% | 1.03% | 1.06% |
| Jarrettsville | 0.87% | 1.01% | 1.05% | 1.06% | 1.07% |
| Joppa | 0.89% | 1.00% | 1.02% | 1.07% | 1.09% |
| Kingsville | 0.80% | 0.90% | 0.98% | 1.01% | 1.02% |
| Monkton | 0.85% | 1.01% | 1.04% | 1.05% | 1.06% |
| Perryman | 0.88% | 1.06% | 1.07% | 1.07% | 1.08% |
| Pylesville | 0.82% | 1.01% | 1.04% | 1.06% | 1.08% |
| Street | 0.70% | 1.00% | 1.04% | 1.05% | 1.08% |
| Whiteford | 0.80% | 0.99% | 1.04% | 1.05% | 1.07% |
| White Hall | 0.54% | 1.01% | 1.04% | 1.06% | 1.07% |
Source: Ownwell
Property Tax Assessment Values Across Harford County, Maryland
In Harford 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 Harford 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 Harford 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 Harford County will help you identify opportunities for appealing assessments or applying for exemptions to manage your tax burden more effectively. In Harford County, Baldwin has the highest median tax bill at $4,213, while Edgewood has the lowest at $1,681.
Property Tax Assessment Values Across Harford County, Maryland
Source: Ownwell
$164,500
$289,000
$413,500
Average Harford County Assessed Value
$279,650
Average Maryland Assessed Value
$317,700
Average United States Assessed Value
$244,900
Property Tax Assessment Values Across Harford County, Maryland
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Aberdeen | $107,700 | $151,925 | $212,050 | $279,800 | $379,930 |
| Abingdon | $156,750 | $193,275 | $241,600 | $302,900 | $370,200 |
| Baldwin | $276,500 | $346,050 | $406,300 | $478,000 | $564,480 |
| Bel Air | $184,800 | $245,000 | $338,950 | $444,000 | $560,000 |
| Belcamp | $110,000 | $147,900 | $173,800 | $218,850 | $289,960 |
| Churchville | $213,400 | $274,850 | $379,850 | $505,375 | $644,300 |
| Darlington | $156,560 | $192,100 | $252,600 | $362,950 | $513,020 |
| Edgewood | $55,700 | $127,500 | $164,500 | $204,475 | $254,100 |
| Fallston | $292,800 | $342,500 | $413,500 | $523,100 | $671,000 |
| Forest Hill | $205,000 | $270,800 | $354,900 | $472,250 | $623,040 |
| Havre De Grace | $128,400 | $184,000 | $266,900 | $349,200 | $450,200 |
| Hydes | $190,640 | $236,550 | $269,000 | $362,900 | $466,460 |
| Jarrettsville | $246,700 | $292,400 | $354,800 | $451,000 | $566,480 |
| Joppa | $165,600 | $199,725 | $240,800 | $305,375 | $391,700 |
| Kingsville | $277,560 | $326,600 | $377,500 | $434,000 | $497,460 |
| Monkton | $264,970 | $331,700 | $387,400 | $479,975 | $662,990 |
| Perryman | $124,600 | $150,500 | $173,400 | $190,700 | $229,700 |
| Pylesville | $188,200 | $256,300 | $325,800 | $427,750 | $523,800 |
| Street | $176,420 | $241,000 | $326,400 | $446,200 | $569,660 |
| Whiteford | $160,070 | $201,475 | $275,550 | $374,975 | $499,100 |
| White Hall | $210,070 | $277,450 | $346,250 | $435,850 | $546,200 |
Source: Ownwell
Property Tax Bills Across Harford County, Maryland
In Harford County, MD, property tax bills are calculated based on the assessed value of a home, which is determined by the local tax assessor. This assessed value is then multiplied by the local property tax rate to determine the annual tax bill. Several factors influence the assessed value, including the home's market value, location, and any improvements or renovations made. Homeowners in Harford County can expect varying tax bills depending on their property's assessed value. For instance, the 25th percentile tax bill is around $1,981, while those in the 75th percentile pay approximately $3,779. High-value properties can see tax bills reaching up to $4,895 at the 90th percentile. Comparatively, the national median property tax rate is 0.99%, positioning Harford County's rates within a competitive range. The highest median tax bill in the county is in Baldwin at $4,213, while Edgewood has the lowest at $1,681. These tax bills significantly impact homeowners' annual budgets and housing affordability.
Average Harford County Tax Bill
$2,716
Average Maryland Tax Bill
$3,419
Average United States Tax Bill
$2,690
Property Tax Bills Across Harford County, Maryland
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Aberdeen | $1,061 | $1,451 | $2,081 | $2,850 | $3,776 |
| Abingdon | $1,786 | $2,062 | $2,565 | $3,200 | $3,910 |
| Baldwin | $2,715 | $3,408 | $4,213 | $4,944 | $5,812 |
| Bel Air | $1,670 | $2,260 | $3,075 | $4,184 | $5,269 |
| Belcamp | $1,242 | $1,600 | $1,852 | $2,348 | $3,066 |
| Churchville | $1,939 | $2,514 | $3,421 | $4,718 | $6,054 |
| Darlington | $1,405 | $1,844 | $2,429 | $3,413 | $4,986 |
| Edgewood | $579 | $1,336 | $1,681 | $2,109 | $2,659 |
| Fallston | $2,613 | $3,219 | $3,947 | $4,992 | $6,365 |
| Forest Hill | $1,853 | $2,507 | $3,414 | $4,527 | $5,948 |
| Havre De Grace | $1,307 | $1,703 | $2,494 | $3,235 | $4,161 |
| Hydes | $1,612 | $2,320 | $2,608 | $3,398 | $3,850 |
| Jarrettsville | $2,365 | $2,918 | $3,580 | $4,562 | $5,685 |
| Joppa | $1,668 | $2,035 | $2,438 | $3,122 | $3,952 |
| Kingsville | $2,466 | $3,070 | $3,642 | $4,113 | $4,621 |
| Monkton | $2,456 | $3,232 | $3,928 | $4,826 | $6,464 |
| Perryman | $1,213 | $1,522 | $1,802 | $2,024 | $2,469 |
| Pylesville | $1,493 | $2,370 | $3,250 | $4,218 | $5,209 |
| Street | $1,342 | $2,213 | $3,165 | $4,359 | $5,557 |
| Whiteford | $1,415 | $1,893 | $2,654 | $3,688 | $4,891 |
| White Hall | $1,410 | $2,585 | $3,459 | $4,357 | $5,397 |
Source: Ownwell