Property tax in Frederick County, Maryland

By Brent Chudoba, editor Updated September 23, 2026

The median property tax bill in Frederick County, Maryland is $4,584 a year, which is about 0.99% of the county's median home value of $464,600. That effective rate is higher than the typical Maryland county (0.9%) and higher than the national median (0.81%). These are American Community Survey 5-year estimates (2024); your own bill depends on your home's assessed value and any exemptions.

Estimate the property tax on a home in Frederick County

Enter a home's market value for a ballpark at Frederick County's average effective rate of 0.99% (Census). The real bill depends on the home's assessed value, the millage where it sits and any exemptions.

Home market value

Estimated property tax: $4,600 / year

Property tax in Frederick County at a glance

Frederick County, Maryland property tax (Census ACS, reviewed September 23, 2026)
Measure	Value
Median annual property tax	$4,584
Median home value	$464,600
Effective tax rate	0.99%
Typical Maryland county rate	0.9%
National median county rate	0.81%

Effective rate = median real estate taxes paid divided by median home value. Source: U.S. Census Bureau, American Community Survey 5-year estimates.

How does Frederick County compare in Maryland?

Among Maryland's 24 counties, Frederick County has the 7th highest effective property-tax rate: 6 rank higher and 17 rank lower. That is on the higher side for Maryland. Nationally, it ranks 1137th of 3135 US counties by effective rate. See every Maryland county ranked.

How much do homeowners in Frederick County actually pay?

The median is only the middle bill. Across Frederick County's 80,595 owner-occupied homes, 79.6% pay $3,000 or more a year in property tax, 91.3% pay at least $2,000, and 2% pay under $800. Another 2.3% report paying no property tax at all, which usually means an exemption covers the whole bill.

Annual property tax paid by Frederick County homeowners (Census ACS 2020-2024)
Annual bill	Homes	Share
Under $800	1,580	2%
$800 to $1,499	1,712	2.1%
$1,500 to $1,999	1,933	2.4%
$2,000 to $2,999	9,390	11.7%
$3,000 or more	64,129	79.6%
No property tax paid	1,851	2.3%

Owners with a mortgage pay a median of $4,629 and owners without one pay $4,451. That is within 10% either way, so in Frederick County paying off the house does not go with a noticeably different bill. Census table B25103.

How does the Frederick County property tax bill compare with local incomes?

The median property tax bill of $4,584 is about 3.2% of the median income of Frederick County homeowner households, $143,802 a year. That compares two middles, so a retiree in a long-held home can pay a far larger share. 77% of Frederick County's occupied homes are lived in by their owners; renters pay property tax too, just folded into rent.

Have property taxes gone up in Frederick County?

Yes. The median bill went from $3,716 in 2015-2019 to $4,584 in 2020-2024, a 23.4% rise. Over the same span the median home value moved 40.1%, from $331,600 to $464,600. Bills rose more slowly than values, which is what assessment caps and falling millage rates do: the county is taxing a smaller share of each home's worth.

Two Census ACS 5-year periods with no survey years in common, in each period's own dollars. A change counts only if it exceeds the combined 90% margin of error.

Property tax in counties next to Frederick County

Frederick County borders 7 counties, 3 of them across the state line.

Frederick County and its neighbors, highest effective rate first (Census ACS 2020-2024)
County	Effective rate	Median bill	Median home value
Adams County, PA	1.33%	$3,561	$268,500
Howard County, MD	1.17%	$6,987	$597,900
Franklin County, PA	1.1%	$2,740	$249,800
Frederick County, MD (this county)	0.99%	$4,584	$464,600
Carroll County, MD	0.91%	$3,934	$434,000
Montgomery County, MD	0.87%	$5,539	$640,300
Loudoun County, VA	0.85%	$6,325	$743,800
Washington County, MD	0.84%	$2,481	$296,100

How is a home assessed in Frederick County?

Maryland assesses homes at 100% of market value in every county, Frederick County included. How Maryland assesses and reappraises homes.

Is there a homestead exemption in Frederick County?

Not as an exemption. Maryland's Homestead Tax Credit caps how much your taxable assessment can rise each year: 10% for the state portion, and a cap each county and municipality sets between 0% and 10% for its own. That is the Maryland rule, and it applies in Frederick County. Maryland's exemptions and relief programs in full.

When are property taxes due in Frederick County?

Tax is due July 1 and can be paid without interest through September 30. Owner-occupied homes are billed semiannually by default, with the first half due September 30 and the second December 31; you may instead pay the full year by September 30 and avoid the service charge of up to 1.65% on the second installment.

Maryland splits the bill into 2 installments. That is the Maryland rule. Frederick County issues and collects the bill, so the dates printed on your statement are the ones that bind you.

How to appeal your Frederick County property assessment

You contest the assessed value with the Supervisor of Assessments (informal), then the local Property Tax Assessment Appeal Board, then the Maryland Tax Court. The filing deadline is typically 45 days from the date on your assessment notice. That is the Maryland rule; Frederick County sets the exact dates and forms. The Maryland appeal process step by step.

Maryland rules from primary state sources, reviewed September 7, 2026; sources on the Maryland page.

Work out your own numbers

Sources

Median real estate taxes paid and median home value for Frederick County, Maryland: U.S. Census Bureau, American Community Survey 5-year estimates (2020-2024), tables B25103, B25077, B25102, B25119 and B25003; the five-year comparison uses the 2015-2019 estimates. Neighboring counties: Census county adjacency file.