How Do Maryland’s Property Tax Rates Compare Across Counties?

You can look at two homes with the same price and very different yearly tax bills. Naturally, you start asking, “How do Maryland’s property tax rates compare from county to county, and how much should I care about that when I’m deciding where to buy?”

Property tax differences are not everything—but they definitely matter.

 Recognize that some counties are notably higher than others

In Maryland, some counties have higher typical tax bills than others, especially where home values and tax rates both run on the higher side. Others are more moderate. The effect on your monthly payment can be noticeable, especially as prices rise.

 Look at taxes as part of your monthly budget

Instead of just asking, “What’s the rate?” ask, “What will the annual taxes be on this property, and what does that do to my monthly payment?” That way, you can fairly compare, say, a home in Charles County versus one in Calvert or St. Mary’s and see how taxes play into the full budget.

 Remember that value, services, and taxes are tied together

Higher property taxes may also come with benefits—schools, amenities, infrastructure, services—that matter to you. The question is not just “Are taxes higher?” but “What am I getting for what I’m paying, and does that feel worth it for my life?”

 People also ask

“Should I pick my county mainly based on property tax rates?”  

Taxes are important, but they should not be the only factor. Commute, schools, neighborhood feel, and home prices all deserve a seat at the table.

“Can property taxes change a lot over time?”  

They can move as values and rates change. That is another reason to build in a little cushion in your budget rather than assuming today’s number will never shift.

If you want help comparing specific homes across different Maryland counties—not just on price, but on the full cost of owning—Amanda Holmes can help you break it down.