Maryland Property Tax
Maryland Property Tax Calculator (2026)
Estimate Maryland property taxes, review the statewide effective rate, browse county pages, and connect tax costs to mortgage payment planning.
Estimated Effective State Rate
0.92%
Sample Annual Tax on $425,000 Home
$3,910
FHA State Tier
Mixed Standard + High-Cost County Tier
Counties Covered
24
FHA Limit Tier Context in Maryland
State Tier Signal
Some counties follow standard FHA limits while higher-cost counties may qualify for elevated FHA limits.
FHA 1-Unit Floor
$541,287
FHA 1-Unit Ceiling
$1,249,125
What Homebuyers in Maryland Should Know
- Balance tax assumptions with insurance and financing terms for accurate payment planning.
In the current NMC dataset, Maryland has an estimated effective property-tax rate of 0.92%, resulting in approximately $3,680 in annual property taxes on a $400,000 home.
Maryland County and Locality Pages
Highest property tax rates in Maryland
Among counties currently in the NMC dataset for this state.
- 1. Baltimore city1.46%
- 2. Howard County1.17%
- 3. Prince George's County1.12%
- 4. Baltimore County1.07%
- 5. Allegany County1.06%
Lowest property tax rates in Maryland
Among counties currently in the NMC dataset for this state.
- 1. Talbot County0.65%
- 2. Worcester County0.73%
- 3. Garrett County0.78%
- 4. Queen Anne's County0.78%
- 5. Calvert County0.84%
Allegany County
Estimated effective rate: 1.06%
Anne Arundel County
Estimated effective rate: 0.85%
Baltimore city
Estimated effective rate: 1.46%
Baltimore County
Estimated effective rate: 1.07%
Calvert County
Estimated effective rate: 0.84%
Caroline County
Estimated effective rate: 0.90%
Carroll County
Estimated effective rate: 0.91%
Cecil County
Estimated effective rate: 0.89%
Charles County
Estimated effective rate: 1.01%
Dorchester County
Estimated effective rate: 0.94%
Frederick County
Estimated effective rate: 0.99%
Garrett County
Estimated effective rate: 0.78%
Harford County
Estimated effective rate: 0.89%
Howard County
Estimated effective rate: 1.17%
Kent County
Estimated effective rate: 0.91%
Montgomery County
Estimated effective rate: 0.87%
Prince George's County
Estimated effective rate: 1.12%
Queen Anne's County
Estimated effective rate: 0.78%
Somerset County
Estimated effective rate: 0.92%
St. Mary's County
Estimated effective rate: 0.84%
Talbot County
Estimated effective rate: 0.65%
Washington County
Estimated effective rate: 0.84%
Wicomico County
Estimated effective rate: 0.85%
Worcester County
Estimated effective rate: 0.73%
Need the National View?
Return to the national Property Tax Calculator to compare across states and scenarios.
Methodology and Data Sources
- Tax Foundation Facts & Figures: Property Tax as Percent of Home Value - State-level effective property tax rates (Updated: 2026-02-19)
- HUD/FHA Mortgagee Letter 2025-23 - 2026 FHA floor and high-cost ceiling frameworks (1-4 unit) (Updated: 2026-01-01)
Educational guidance only. Final loan terms and eligibility vary by county limits, credit, income, property profile, and lender guidelines.