Frederick County, Maryland Property Taxes
Property Taxes in Frederick County, Maryland
Median Frederick County effective property tax rate: 1.23%, significantly higher than the national median of 1.02%.
Median Frederick County home value: $378,800
Median annual Frederick County tax bill: $4,845, $2,445 higher than the national median property tax bill of $2,400.
How are property taxes in Frederick County calculated?
Property taxes in Frederick 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 Frederick County's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Frederick or another part of Frederick County, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Frederick County, Maryland Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.23%
Estimate Property Tax Bill
$4,659
$4,324
How Does the Frederick County Property Tax Calculator Work?
Use this Frederick County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Frederick County's median effective tax rate of 1.23% to generate your estimate.
Enter your property's estimated assessed value — the figure the assessment office assigns for tax purposes, which is typically lower than market value after applicable exemptions. Our calculator uses the median effective rate for a more accurate estimate than the statutory millage rate alone.
Your actual bill may vary based on your specific exemptions, local school district levies, and any special assessment districts that apply to your property. Frederick County’s median property tax rate is higher than Maryland’s 1.21% median rate, and the county’s median property tax bill of $4,845 is $2,445 higher than the state median bill and well above the national median property tax bill of $2,400.
For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Frederick County.
Property Tax Rates Across Frederick County, Maryland
What Are Effective Property Tax Rates Across Frederick County?
Local government entities set tax rates, which vary widely across Frederick County. Each year, the county estimates its budget for public services and divides that total by the assessed value of all taxable property within its jurisdiction.
Below, compare Frederick County's effective property tax rate to other counties in Maryland or the U.S. median of 1.02%.
Frederick County's median effective rate stands at 1.23%, which is higher than the national median of 1.02%. Within Frederick County, the highest rate is found in Brunswick at 1.66%, while Braddock Heights has the lowest at 0.97%.
These variations reflect differences in local school district levies, special taxing districts assessments, and special district bonds — which compound the base county rate.
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 Frederick County Tax Rate
1.23%
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 Maryland Tax Rate
1.21%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Frederick County, Maryland
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Adamstown | 1.16% | 1.21% | 1.23% | 1.24% | 1.26% |
| Braddock Heights | 0.87% | 0.93% | 0.97% | 1.04% | 1.09% |
| Brunswick | 1.52% | 1.64% | 1.66% | 1.94% | 2.00% |
| Buckeystown | 1.12% | 1.23% | 1.25% | 1.26% | 1.28% |
| Burkittsville | 0.85% | 1.02% | 1.08% | 1.19% | 1.22% |
| Cascade | 1.00% | 1.03% | 1.08% | 1.11% | 1.14% |
| Clarksburg | 1.11% | 1.21% | 1.24% | 1.24% | 1.25% |
| Damascus | 1.18% | 1.21% | 1.23% | 1.24% | 1.25% |
| Dickerson | 1.11% | 1.20% | 1.23% | 1.24% | 1.27% |
| Emmitsburg | 0.97% | 1.06% | 1.18% | 1.31% | 1.37% |
| Frederick | 1.02% | 1.15% | 1.45% | 1.68% | 1.73% |
| Ijamsville | 1.13% | 1.18% | 1.22% | 1.24% | 1.25% |
| Jefferson | 1.00% | 1.13% | 1.23% | 1.24% | 1.25% |
| Keymar | 1.01% | 1.11% | 1.16% | 1.19% | 1.21% |
| Knoxville | 1.20% | 1.23% | 1.26% | 1.30% | 1.63% |
| Libertytown | 1.04% | 1.09% | 1.16% | 1.18% | 1.18% |
| Middletown | 0.91% | 0.96% | 1.03% | 1.15% | 1.22% |
| Monrovia | 1.12% | 1.17% | 1.22% | 1.24% | 1.25% |
| Mount Airy | 1.12% | 1.21% | 1.24% | 1.26% | 1.42% |
| Myersville | 0.93% | 1.01% | 1.09% | 1.21% | 1.27% |
| New Market | 1.18% | 1.21% | 1.23% | 1.24% | 1.36% |
| New Windsor | 1.03% | 1.06% | 1.12% | 1.15% | 1.17% |
| Point Of Rocks | 1.21% | 1.22% | 1.23% | 1.24% | 1.25% |
| Rocky Ridge | 0.85% | 0.94% | 1.02% | 1.08% | 1.18% |
| Sabillasville | 0.96% | 1.02% | 1.08% | 1.12% | 1.21% |
| Smithsburg | 0.95% | 1.00% | 1.05% | 1.09% | 1.18% |
| Taneytown | 0.82% | 0.91% | 1.01% | 1.08% | 1.13% |
| Thurmont | 0.99% | 1.06% | 1.18% | 1.25% | 1.30% |
| Tuscarora | 1.14% | 1.20% | 1.22% | 1.26% | 1.29% |
| Union Bridge | 1.01% | 1.06% | 1.14% | 1.19% | 1.21% |
| Walkersville | 1.07% | 1.14% | 1.20% | 1.27% | 1.29% |
| Woodsboro | 1.06% | 1.13% | 1.18% | 1.25% | 1.31% |
| Baltimore | N/A | N/A | N/A | N/A | N/A |
| Beltsville | N/A | N/A | N/A | N/A | N/A |
| Blue Ridge Summit | N/A | N/A | N/A | N/A | N/A |
| Boonsboro | N/A | N/A | N/A | N/A | N/A |
| Brookeville | N/A | N/A | N/A | N/A | N/A |
| Buford | N/A | N/A | N/A | N/A | N/A |
| Chevy Chase | N/A | N/A | N/A | N/A | N/A |
| Ellicott City | N/A | N/A | N/A | N/A | N/A |
| Gaithersburg | N/A | N/A | N/A | N/A | N/A |
| Germantown | N/A | N/A | N/A | N/A | N/A |
| Goleta | N/A | N/A | N/A | N/A | N/A |
| Hagerstown | N/A | N/A | N/A | N/A | N/A |
| Hamburg | N/A | N/A | N/A | N/A | N/A |
| Highland | N/A | N/A | N/A | N/A | N/A |
| Ladiesburg | N/A | N/A | N/A | N/A | N/A |
| Largo | N/A | N/A | N/A | N/A | N/A |
| Laytonsville | N/A | N/A | N/A | N/A | N/A |
| Leesburg | N/A | N/A | N/A | N/A | N/A |
| Lemasters | N/A | N/A | N/A | N/A | N/A |
| New Midway | N/A | N/A | N/A | N/A | N/A |
| Pennyslvania | N/A | N/A | N/A | N/A | N/A |
| Potomac | N/A | N/A | N/A | N/A | N/A |
| Rockville | N/A | N/A | N/A | N/A | N/A |
| Rosemont | N/A | N/A | N/A | N/A | N/A |
| Ruxton | N/A | N/A | N/A | N/A | N/A |
| Sykesville | N/A | N/A | N/A | N/A | N/A |
| Temple Hills | N/A | N/A | N/A | N/A | N/A |
| Unionville | N/A | N/A | N/A | N/A | N/A |
| Urbana | N/A | N/A | N/A | N/A | N/A |
| Washington | N/A | N/A | N/A | N/A | N/A |
| Wheaton | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Frederick County, Maryland
When examining property taxes in Frederick 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 Frederick County assessment office 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.
Assessment notices:
In Frederick 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 Frederick County.
For example, the median tax bill in Frederick County is $4,845, with tax bills ranging significantly across the county. Damascus has the highest median home price at $516,750.
Property Tax Assessment Values Across Frederick County, Maryland
Source: Ownwell
$235,400
$376,075
$516,750
Median Frederick County Market Value
$378,800
Median Maryland Market Value
$338,400
Median United States Market Value
$235,294
Property Tax Assessment Values Across Frederick County, Maryland
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Adamstown | $222,560 | $322,925 | $449,400 | $542,250 | $634,260 |
| Braddock Heights | $295,600 | $353,700 | $421,200 | $561,800 | $657,740 |
| Brunswick | $130,430 | $192,500 | $255,800 | $399,050 | $492,750 |
| Buckeystown | $188,070 | $239,450 | $312,150 | $373,275 | $474,010 |
| Burkittsville | $203,100 | $255,900 | $343,200 | $470,800 | $597,900 |
| Cascade | $56,100 | $64,400 | $235,400 | $356,500 | $421,300 |
| Clarksburg | $359,270 | $434,425 | $509,350 | $644,700 | $906,240 |
| Damascus | $171,530 | $336,050 | $516,750 | $634,550 | $815,680 |
| Dickerson | $217,880 | $343,900 | $486,700 | $743,500 | $918,260 |
| Emmitsburg | $83,780 | $180,950 | $256,400 | $395,950 | $514,720 |
| Frederick | $215,400 | $280,900 | $366,400 | $482,200 | $618,200 |
| Ijamsville | $309,050 | $383,750 | $481,300 | $641,350 | $811,200 |
| Jefferson | $203,640 | $308,175 | $395,150 | $480,025 | $596,740 |
| Keymar | $173,800 | $258,100 | $333,000 | $418,300 | $507,300 |
| Knoxville | $128,360 | $217,800 | $302,900 | $460,700 | $560,940 |
| Libertytown | $145,000 | $145,000 | $238,700 | $318,350 | $379,240 |
| Middletown | $287,200 | $372,850 | $466,700 | $615,900 | $766,500 |
| Monrovia | $340,850 | $395,400 | $481,200 | $651,075 | $754,350 |
| Mount Airy | $278,660 | $347,475 | $437,800 | $542,025 | $643,920 |
| Myersville | $124,400 | $289,000 | $408,200 | $521,850 | $674,540 |
| New Market | $256,600 | $345,300 | $432,300 | $536,150 | $635,480 |
| New Windsor | $170,000 | $306,100 | $390,800 | $498,000 | $643,140 |
| Point Of Rocks | $232,740 | $271,700 | $346,500 | $449,700 | $512,900 |
| Rocky Ridge | $137,750 | $240,450 | $322,500 | $445,275 | $656,100 |
| Sabillasville | $74,840 | $166,500 | $242,600 | $367,300 | $532,240 |
| Smithsburg | $96,440 | $210,700 | $318,600 | $431,200 | $542,920 |
| Taneytown | $178,140 | $243,275 | $325,900 | $469,450 | $589,700 |
| Thurmont | $141,620 | $230,750 | $304,100 | $394,950 | $500,380 |
| Tuscarora | $127,350 | $241,325 | $339,950 | $631,025 | $877,210 |
| Union Bridge | $120,700 | $151,600 | $315,800 | $425,800 | $562,360 |
| Walkersville | $216,120 | $263,500 | $360,500 | $458,000 | $561,980 |
| Woodsboro | $200,300 | $263,500 | $359,900 | $491,000 | $618,960 |
| Baltimore | N/A | N/A | N/A | N/A | N/A |
| Beltsville | N/A | N/A | N/A | N/A | N/A |
| Blue Ridge Summit | N/A | N/A | N/A | N/A | N/A |
| Boonsboro | N/A | N/A | N/A | N/A | N/A |
| Brookeville | N/A | N/A | N/A | N/A | N/A |
| Buford | N/A | N/A | N/A | N/A | N/A |
| Chevy Chase | N/A | N/A | N/A | N/A | N/A |
| Ellicott City | N/A | N/A | N/A | N/A | N/A |
| Gaithersburg | N/A | N/A | N/A | N/A | N/A |
| Germantown | N/A | N/A | N/A | N/A | N/A |
| Goleta | N/A | N/A | N/A | N/A | N/A |
| Hagerstown | N/A | N/A | N/A | N/A | N/A |
| Hamburg | N/A | N/A | N/A | N/A | N/A |
| Highland | N/A | N/A | N/A | N/A | N/A |
| Ladiesburg | N/A | N/A | N/A | N/A | N/A |
| Largo | N/A | N/A | N/A | N/A | N/A |
| Laytonsville | N/A | N/A | N/A | N/A | N/A |
| Leesburg | N/A | N/A | N/A | N/A | N/A |
| Lemasters | N/A | N/A | N/A | N/A | N/A |
| New Midway | N/A | N/A | N/A | N/A | N/A |
| Pennyslvania | N/A | N/A | N/A | N/A | N/A |
| Potomac | N/A | N/A | N/A | N/A | N/A |
| Rockville | N/A | N/A | N/A | N/A | N/A |
| Rosemont | N/A | N/A | N/A | N/A | N/A |
| Ruxton | N/A | N/A | N/A | N/A | N/A |
| Sykesville | N/A | N/A | N/A | N/A | N/A |
| Temple Hills | N/A | N/A | N/A | N/A | N/A |
| Unionville | N/A | N/A | N/A | N/A | N/A |
| Urbana | N/A | N/A | N/A | N/A | N/A |
| Washington | N/A | N/A | N/A | N/A | N/A |
| Wheaton | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Frederick County, Maryland
Property tax bills in Frederick County are based on a home’s assessed value and the local tax rate set by taxing authorities. When a property’s market value rises, the assessed value can increase too, which may lead to a higher bill. For homeowners, that means taxes are not fixed and can change from year to year depending on the assessment and any local rate changes.
With a median home price of $378,800, the typical tax burden in the county can vary widely. The 25th percentile tax bill is $3,539, while the 75th percentile is $6,467 and the 90th percentile reaches $8,292. That range shows how much location, property characteristics, and assessment differences can affect what homeowners pay. Among local communities, the highest median tax bill is $6,333 in Damascus, while the lowest is $2,538 in Cascade. For many homeowners, understanding how assessed value drives the final bill is key to anticipating annual housing costs.
Median Frederick County Tax Bill
$4,845
Median Maryland Tax Bill
$4,092
Median United States Tax Bill
$2,400
Property Tax Bills Across Frederick County, Maryland
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Adamstown | $2,628 | $3,920 | $5,437 | $6,557 | $7,631 |
| Braddock Heights | $2,739 | $3,332 | $4,241 | $5,305 | $6,127 |
| Brunswick | $2,569 | $3,172 | $4,171 | $7,853 | $9,667 |
| Buckeystown | $2,243 | $2,955 | $3,717 | $4,404 | $5,713 |
| Burkittsville | $2,268 | $2,853 | $3,611 | $4,890 | $6,401 |
| Cascade | $622 | $701 | $2,538 | $3,634 | $4,351 |
| Clarksburg | $4,134 | $5,341 | $6,176 | $7,648 | $10,862 |
| Damascus | $1,976 | $4,101 | $6,333 | $7,442 | $10,007 |
| Dickerson | $2,778 | $4,058 | $5,825 | $8,815 | $11,179 |
| Emmitsburg | $860 | $2,187 | $2,986 | $4,192 | $5,939 |
| Frederick | $2,832 | $3,717 | $5,056 | $6,725 | $8,823 |
| Ijamsville | $3,696 | $4,566 | $5,770 | $7,701 | $9,640 |
| Jefferson | $2,269 | $3,604 | $4,652 | $5,590 | $6,801 |
| Keymar | $1,936 | $2,920 | $3,771 | $4,625 | $5,588 |
| Knoxville | $1,550 | $2,713 | $3,967 | $6,256 | $8,358 |
| Libertytown | $1,647 | $1,704 | $2,585 | $3,635 | $4,378 |
| Middletown | $2,986 | $3,763 | $4,831 | $6,503 | $8,076 |
| Monrovia | $4,066 | $4,754 | $5,710 | $7,782 | $9,004 |
| Mount Airy | $3,558 | $4,373 | $5,322 | $6,709 | $7,888 |
| Myersville | $1,261 | $3,047 | $4,352 | $5,666 | $7,042 |
| New Market | $3,137 | $4,311 | $5,416 | $6,630 | $7,884 |
| New Windsor | $1,875 | $3,349 | $4,298 | $5,441 | $7,142 |
| Point Of Rocks | $2,879 | $3,353 | $4,258 | $5,506 | $6,246 |
| Rocky Ridge | $1,152 | $2,430 | $3,165 | $4,266 | $6,110 |
| Sabillasville | $655 | $1,800 | $2,560 | $3,827 | $5,361 |
| Smithsburg | $1,043 | $2,106 | $3,234 | $4,306 | $5,457 |
| Taneytown | $1,620 | $2,256 | $3,121 | $4,233 | $5,358 |
| Thurmont | $1,414 | $2,653 | $3,459 | $4,499 | $5,565 |
| Tuscarora | $1,545 | $2,749 | $4,003 | $7,027 | $9,854 |
| Union Bridge | $1,461 | $1,638 | $3,486 | $4,574 | $6,054 |
| Walkersville | $2,456 | $3,266 | $4,173 | $5,468 | $6,824 |
| Woodsboro | $2,268 | $3,122 | $4,281 | $5,724 | $7,118 |
| Baltimore | N/A | N/A | N/A | N/A | N/A |
| Beltsville | N/A | N/A | N/A | N/A | N/A |
| Blue Ridge Summit | N/A | N/A | N/A | N/A | N/A |
| Boonsboro | N/A | N/A | N/A | N/A | N/A |
| Brookeville | N/A | N/A | N/A | N/A | N/A |
| Buford | N/A | N/A | N/A | N/A | N/A |
| Chevy Chase | N/A | N/A | N/A | N/A | N/A |
| Ellicott City | N/A | N/A | N/A | N/A | N/A |
| Gaithersburg | N/A | N/A | N/A | N/A | N/A |
| Germantown | N/A | N/A | N/A | N/A | N/A |
| Goleta | N/A | N/A | N/A | N/A | N/A |
| Hagerstown | N/A | N/A | N/A | N/A | N/A |
| Hamburg | N/A | N/A | N/A | N/A | N/A |
| Highland | N/A | N/A | N/A | N/A | N/A |
| Ladiesburg | N/A | N/A | N/A | N/A | N/A |
| Largo | N/A | N/A | N/A | N/A | N/A |
| Laytonsville | N/A | N/A | N/A | N/A | N/A |
| Leesburg | N/A | N/A | N/A | N/A | N/A |
| Lemasters | N/A | N/A | N/A | N/A | N/A |
| New Midway | N/A | N/A | N/A | N/A | N/A |
| Pennyslvania | N/A | N/A | N/A | N/A | N/A |
| Potomac | N/A | N/A | N/A | N/A | N/A |
| Rockville | N/A | N/A | N/A | N/A | N/A |
| Rosemont | N/A | N/A | N/A | N/A | N/A |
| Ruxton | N/A | N/A | N/A | N/A | N/A |
| Sykesville | N/A | N/A | N/A | N/A | N/A |
| Temple Hills | N/A | N/A | N/A | N/A | N/A |
| Unionville | N/A | N/A | N/A | N/A | N/A |
| Urbana | N/A | N/A | N/A | N/A | N/A |
| Washington | N/A | N/A | N/A | N/A | N/A |
| Wheaton | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | February 13 |
Links | |
|---|---|
| Frederick Tax Assessor | |
| Website | sdat.dat.maryland.gov |
Frequently Asked Property Tax Questions in Frederick County, Maryland
How are property taxes calculated in Frederick County, Maryland?
How do I appeal my property taxes in Frederick County, Maryland?
What property tax exemptions are available in Frederick County, Maryland?
When are property taxes due in Frederick County, Maryland?
How can Ownwell help reduce my property taxes in Frederick County, Maryland?
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