Frederick County, Maryland property tax
The median homeowner in Frederick County, Maryland pays $4,463 a year in property tax on a home worth $437,700, an effective rate of 1.02%. The national effective rate is 0.98%.
What the rate means here
Frederick County taxes property at 1.02%, within a rounding error of the national 0.98%. The median bill of $4,463 therefore tracks the median home value of $437,700 fairly directly, which is not true everywhere.
It ranks #7 of 24 Maryland counties by effective rate, against a statewide 1.00%, and #1,001 nationally. The state runs from 1.48% in Baltimore city down to 0.66% in Talbot County.
The median home costs 3.63 times the median household income of $120,458, close to the national 3.86. Incomes here run above the national median, which is what keeps that ratio ordinary despite the house prices. At 280,341 residents the county is large enough that its median blends several distinct housing markets.
The rate is derived rather than quoted. How and why.
What that costs at different home values
Arithmetic at the county effective rate, before any exemption or assessment cap.
Housing and income
| Frederick County | Maryland | United States | |
|---|---|---|---|
| Effective property tax | 1.02% | 1.00% | 0.98% |
| Median tax bill | $4,463 | $3,989 | $2,969 |
| Median home value | $437,700 | $397,700 | $303,400 |
| Median gross rent | $1,706 | $1,662 | $1,348 |
| Median household income | $120,458 | $101,652 | $78,538 |
| Home price to income | 3.63× | 3.91× | 3.86× |
| Rent as share of income | 17% | 19.62% | 20.6% |
| Owner-occupied | 77.04% | 67.48% | 65.02% |
Source: U.S. Census Bureau, American Community Survey 2023 five-year estimates. Population 280,341.
Nearby counties of similar size
| County | Rate | Median bill | Home value |
|---|---|---|---|
| Harford County | 0.93% | $3,424 | $367,300 |
| Howard County | 1.18% | $6,814 | $576,700 |
| Carroll County | 0.94% | $3,837 | $406,400 |
| Charles County | 1.04% | $4,179 | $402,300 |
| Washington County | 0.89% | $2,444 | $275,900 |
Frederick County property tax: common questions
What is the property tax rate in Frederick County, Maryland?
The effective rate is 1.02% of home value, from a median tax bill of $4,463 against a median home value of $437,700. That is 0.04 points above the national 0.98%.
How much is property tax on a $400,000 home in Frederick County?
Roughly $4,080 a year at the county effective rate of 1.02%.
Is Frederick County expensive compared with the rest of Maryland?
It ranks #7 of 24 Maryland counties by effective property tax rate, and #1001 of 2,826 nationally. That is 0.02 points above the Maryland average of 1.00%.
What does housing cost in Frederick County?
The median home is worth $437,700 and median gross rent is $1,706 a month. Median household income is $120,458, which puts the home at 3.63 times annual income and rent at 17% of it.