Maryland Property Taxes: What to Expect by Area (2025–2026)

Thinking about buying—or just planning your budget for the year? Here’s a clear, up-to-date guide to how Maryland property taxes work and what you can expect in popular DC–Maryland–Virginia (DMV) areas we serve.

The quick gist: In Maryland you’ll pay a state property tax plus county (and sometimes city/special district) rates, all applied to your assessed value. Owner-occupants can limit how fast their taxableassessment rises using the Homestead Tax Credit. Maryland Board of Public Worksdat.maryland.gov

How Maryland property taxes are built

• State rate: Maryland sets a statewide real property tax each fiscal year. For FY2026 (July 1, 2025–June 30, 2026)the Board of Public Works set $0.112 per $100 of assessed value for all non-utility real property (utilities are $0.280). This state line appears on every bill. Maryland Board of Public Works

• County + city rates: Each county (and some municipalities) adds its own rate(s). New rates post every August via SDAT. dat.maryland.gov

• Assessments & caps: Assessed values are set by the state on a rolling cycle. If a home is your principal residence, the Homestead Tax Credit limits how much of any assessment increase is taxable each year (state cap 10%, local caps vary by county/city). One-time application required. dat.maryland.gov+1onestop.md.gov

What you’ll pay in popular Maryland areas (examples)

Below are illustrative annual taxes on a $500,000 assessed home (no special districts/credits unless noted). Multiply your assessment by the “total rate,” then divide by 100.

Math tip: $500,000 ÷ 100 = 5,000 “tax units.” Multiply by the total rate.

Prince George’s County (example: City of Bowie)

• Bowie FY2026 combined rate: $1.708 per $100 (state + county + city).
  Estimate: 5,000 × 1.708 = $8,540/yr. City of Bowie

• Notes: Countywide general rate rules and caps exist in PG; the county’s FY2025 real property tax rate documentation shows the county rate framework and context. Always check your municipality, M-NCPPC, and special district lines. Maryland General AssemblyPrince George’s County

Montgomery County

• Weighted countywide rate (FY2025 & recommended FY2026): $1.0255 per $100.
  Estimate: 5,000 × 1.0255 = $5,127.50/yr. Montgomery County MD+1

Anne Arundel County

• Unincorporated AA (FY2026): County 0.977 + State 0.112 = 1.089 per $100
  Estimate: 5,000 × 1.089 = $5,445/yr.

• Annapolis (FY2026): 1.433 per $100 total (state + county + city).
  Estimate: 5,000 × 1.433 = $7,165/yr. Anne Arundel County Government

Howard County

• County + State (FY2026): 1.156 per $100 (County 1.044 + State 0.112) → $5,780/yr.

• Plus Fire tax: 0.206 per $100 is billed countywide (adds $1,030 on $500k).

• Some areas also see an Ad Valorem charge (0.08 per $100).

  Depending on district lines, many owners see totals around $6,810–$7,210 on $500k. Always verify your parcel. Howard County

Baltimore City

• City rate (FY2025): $2.248 per $100 (city). Add the state 0.112 for a base ~$2.360 per $100 before any owner credits.
  Estimate (base): 5,000 × 2.360 = $11,800/yr. bbmr.baltimorecity.govMaryland Board of Public Works

• Note: In FY2025, owner-occupied properties received an estimated $0.20 per $100 reduction via a credit; check the current fiscal year for updates. Live Baltimore

Owner-occupied protections: Homestead caps (selected examples)

These caps limit how much of an assessment increase can be taxed each year on your principal residence (state cap 10%; locals set their own). A few local caps, effective July 1, 2024:

• Anne Arundel County: 2%

• Prince George’s County: 3% (some municipalities differ; Upper Marlboro is 0%, meaning increases aren’t taxed above prior year for the city portion)

• Baltimore City: 4%

• Howard County: 5%

• Montgomery County: 10%

• Talbot County: 0%
  (These apply to the growth in taxable assessment—not the tax rate itself.) dat.maryland.gov

New buyer tip: The Homestead cap doesn’t transfer from the seller. When you buy, you’re taxed on the full assessed value; caps can help in future years if assessments rise. Apply once to lock in eligibility. MD Legislative Servicesonestop.md.gov

Estimate your own bill (3 steps)

1. Find your assessed value (SDAT).

2. Add up rates that apply to your address: State + County + City + Special districts (fire, parks, ad valorem, etc.). Local finance pages publish the current year’s numbers. dat.maryland.gov

3. Compute: (Assessed value ÷ 100) × total rate = rough annual tax.

   • Then factor any credits (Homestead, owner-occupied, special programs).

Helpful official links

• Homestead Tax Credit overview & application (SDAT/OneStop) — learn eligibility, apply once. dat.maryland.govonestop.md.gov

• Local rate tables / updates — SDAT “Tax Rates,” plus your county finance page (examples above for AA, Howard, Baltimore City, Montgomery, Prince George’s/Bowie). dat.maryland.govAnne Arundel County GovernmentHoward Countybbmr.baltimorecity.govMontgomery County MDCity of Bowie

We’ll run the numbers for your exact address

Tax lines can change by city limit, special district, or credit—and they update each fiscal year. If you’re buying or selling, we’ll pull your parcel, confirm current rates, estimate net monthly payments, and help you plan for caps and credits going forward.

CENTURY 21 Envision — Licensed in DC, MD & VA
📍 1318 Crain Hwy, Bowie, MD 20716 • 📞 (240) 232-7005
From first tour to tax line-by-line, we’ve got you covered.