Chelmsford, Middlesex County, Massachusetts Property Taxes
Median Chelmsford, MA effective property tax rate: 1.44%, significantly higher than the national median of 1.02%, but lower than the Massachusetts state median of 1.23%.
Median Chelmsford, MA home value: $542,550
Median annual Chelmsford, MA tax bill: $7,797, $5,397 higher than the national median property tax bill of $2,400.
How are property taxes in Middlesex County calculated?
Property taxes in Chelmsford, MA 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 Chelmsford’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Chelmsford, knowing local tax details benefits homeowners and investors.
Last Updated March 1, 2025
Chelmsford, Middlesex County, Massachusetts Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.44%
Estimate Property Tax Bill
$7,813
$7,250
Property Tax Rates Across Chelmsford, Middlesex County, Massachusetts
Local government entities set tax rates, which can vary widely within a state. 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.
Chelmsford in Middlesex County, Massachusetts, stands out with its property tax rate. The effective property tax rate in Chelmsford is higher than the national median of 1.02%. Compared to other cities in Massachusetts, Chelmsford's rate aligns with the state's median, reflecting the region's approach to funding essential services.
Property taxes are a significant consideration for homeowners, influencing decisions on where to live. Understanding how these rates compare to both state and national averages can guide homeowners in making informed decisions. Chelmsford's rate, while above the national average, represents the commitment to maintaining quality public services. By understanding the nuances of property tax rates, homeowners can better navigate their financial landscape and make choices that align with their priorities.
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 Chelmsford Tax Rate
1.44%
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 Middlesex County Tax Rate
1.22%
Median Effective Massachusetts Tax Rate
1.23%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Chelmsford, Middlesex County, Massachusetts
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 01824 | 1.44% | 1.44% | 1.44% | 1.44% | 1.44% |
Source: Ownwell
Property Tax Assessment Values Across Chelmsford, Middlesex County, Massachusetts
When examining property taxes in Chelmsford, MA, 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 Middlesex County appraisal district 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 Middlesex 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 Chelmsford. For example, the median home price in Chelmsford is $542,550, with tax bills ranging significantly across the county. Zip code 01824 has the highest median home price at $542,550.
Property Tax Assessment Values Across Chelmsford, Middlesex County, Massachusetts
Source: Ownwell
$320,300
$928,425
$1,536,550
Median Chelmsford Market Value
$542,550
Median Middlesex County Market Value
$633,600
Median Massachusetts Market Value
$492,600
Median United States Market Value
$235,294
Property Tax Assessment Values Across Chelmsford, Middlesex County, Massachusetts
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 01824 | $345,300 | $464,300 | $542,550 | $632,400 | $741,800 |
Source: Ownwell
Property Tax Bills Across Chelmsford, Middlesex County, Massachusetts
In Chelmsford, MA, property tax bills are calculated based on the assessed value of a home, which is determined by the local tax assessor. The town applies a specific tax rate to this assessed value to calculate the annual tax bill. Factors influencing this assessed value include the home's size, location, and market conditions. Chelmsford homeowners face a median property tax bill of approximately $7,797, significantly higher than the national median of $2,400. This can place a substantial financial burden on homeowners, especially when considering the town's median home price of $542,550.
Ownwell offers a valuable service to homeowners by helping them appeal their property tax assessments. With expertise in local tax laws and a deep understanding of assessment practices, Ownwell can identify opportunities for reducing assessed values, potentially leading to lower tax bills. By partnering with Ownwell, homeowners in Chelmsford can navigate the complexities of property taxes more effectively, ensuring they are not overpaying and achieving significant savings on their annual tax obligations.
Property Tax Bills Across Chelmsford, Middlesex County, Massachusetts
Source: Ownwell
$4,294
$11,232
$18,170
Median Chelmsford Tax Bill
$7,797
Median Middlesex County Tax Bill
$7,427
Median Massachusetts Tax Bill
$5,844
Median United States Tax Bill
$2,400
Property Tax Bills Across Chelmsford, Middlesex County, Massachusetts
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 01824 | $4,962 | $6,672 | $7,797 | $9,088 | $10,659 |
Source: Ownwell