What is the property tax rate in Maryland?

The statewide effective rate is 1.00% of home value, from a median bill of $3,989 on a median home of $397,700. Rates are set locally rather than by the state, so this is a weighted outcome across 24 counties rather than a posted figure.

Which Maryland county has the highest property tax?

Baltimore city at 1.48%, and Talbot County is the lowest at 0.66%. A spread that wide inside one state is normal: school district funding varies far more than state policy does.

How much is property tax on a $400,000 home in Maryland?

Roughly $4,000 a year at the state effective rate, though the county matters more than the state. Pick your county below for a closer figure.

Is Maryland expensive to live in?

Prices overall run at 105.0 against a national 100, ranking it #8 of 51. Housing is the part that moves: rents there sit at 121.1. Full cost of living breakdown.

Maryland property tax by county

The median Maryland homeowner pays $3,989 a year in property tax on a home worth $397,700, an effective rate of 1.00%. That ranks Maryland #21 of 51 states, against a national 0.98%.

Effective rate 1.00% #21 of 51 states

Median bill $3,989 U.S. $2,969

Median home $397,700 #12 most expensive

Counties covered 24 over 5,000 people

Why the county matters more than the state

Baltimore city charges an effective 1.48% and Talbot County 0.66%, a spread of 0.82 points inside one state. Property tax in the United States is set by counties, cities, school districts and special districts, not by states. A statewide figure is a weighted average of thousands of separate decisions, and it can be a poor guide to any particular address.

Maryland sits 0.02 points above the national effective rate. States with high rates often have low home values, because a school district has to raise the same money whatever housing is worth. House prices in the state moved +0.9% over the year to 2026 Q2, which changes the denominator of this rate over time.

Every county ranked

Maryland counties by effective property tax rate, ACS 2023 five-year estimates
#	County	Rate	Median bill	Home value	Rent	Income
1	Baltimore city	1.48%	$3,236	$219,300	$1,290	$59,623
2	Howard County	1.18%	$6,814	$576,700	$2,038	$146,982
3	Prince George's County	1.15%	$4,662	$404,300	$1,761	$100,708
4	Baltimore County	1.10%	$3,645	$330,000	$1,566	$90,904
5	Allegany County	1.08%	$1,609	$149,200	$786	$57,393
6	Charles County	1.04%	$4,179	$402,300	$1,897	$120,592
7	Frederick County	1.02%	$4,463	$437,700	$1,706	$120,458
8	Cecil County	0.98%	$3,059	$311,800	$1,367	$91,146
9	Somerset County	0.98%	$1,603	$164,300	$938	$52,462
10	Dorchester County	0.95%	$2,399	$252,300	$959	$60,495
11	Carroll County	0.94%	$3,837	$406,400	$1,370	$115,876
12	Kent County	0.94%	$2,896	$307,100	$1,144	$74,402
13	Harford County	0.93%	$3,424	$367,300	$1,557	$111,317
14	Caroline County	0.92%	$2,513	$272,400	$1,070	$66,368
15	Washington County	0.89%	$2,444	$275,900	$1,100	$74,157
16	Wicomico County	0.89%	$2,120	$238,900	$1,238	$72,861
17	Calvert County	0.88%	$3,858	$440,200	$1,701	$132,059
18	Montgomery County	0.87%	$5,341	$615,200	$2,030	$128,733
19	St. Mary's County	0.87%	$3,392	$390,900	$1,692	$114,580
20	Anne Arundel County	0.85%	$3,836	$450,300	$1,990	$120,324
21	Garrett County	0.83%	$1,792	$217,000	$710	$69,031
22	Queen Anne's County	0.79%	$3,503	$441,800	$1,611	$113,347
23	Worcester County	0.76%	$2,629	$348,100	$1,180	$81,455
24	Talbot County	0.66%	$2,623	$398,300	$1,248	$84,378

Source: U.S. Census Bureau, American Community Survey 2023 five-year estimates. The effective property tax rate is median taxes paid divided by median home value. The two medians come from different distributions, so it approximates the typical rate rather than describing any one household.