Property Taxes in Clearwater Beach, Maryland
Median Clearwater Beach, Maryland effective property tax rate: 1.13%, significantly lower than the national median of 1.02%, and lower than the Maryland state median of 1.21%.
Median Clearwater Beach, Maryland home value: $264,800
Median annual Clearwater Beach, Maryland tax bill: $2,945, $545 higher than the national median property tax bill of $2,400.
How are property taxes in Anne Arundel calculated?
Property taxes in Clearwater Beach, Maryland are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Clearwater Beach's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Clearwater Beach, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Clearwater Beach Property Tax Calculator Work?
Use this Clearwater Beach property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Clearwater Beach's median effective tax rate of 1.13% — based on actual property records in Anne Arundel County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment office uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Clearwater Beach's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Clearwater Beach: rates range from 1.13% in 21226 to 1.13% in 21226, primarily due to differences in school district levies and local assessment districts. Clearwater Beach's median effective tax rate is lower than Maryland's 1.21% state median, but the median tax bill of $2,945 is $545 higher than the state median tax bill.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Clearwater Beach.
About Clearwater Beach Property Taxes
About Property Taxes in Clearwater Beach, Anne Arundel, Maryland
Clearwater Beach's median effective property tax rate of 1.13% is lower than the Maryland state median of 1.21% and higher than the national median of 1.02%. This rate reflects the Anne Arundel County base levy combined with local school district levies and special taxing districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Clearwater Beach. Homeowners in the 21226 ZIP code carry a median effective rate of 1.13%, while those in the same ZIP code pay 1.13%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Anne Arundel County. Understanding which part of Clearwater Beach you live in can make a meaningful difference to your annual tax bill.
Clearwater Beach homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the February 13, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Clearwater Beach, Anne Arundel County, Maryland
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Clearwater Beach's effective property tax rate to other cities in Maryland and the median property tax rates in Maryland and the U.S.
Property Tax Rates Across Clearwater Beach, Anne Arundel County, Maryland
Source: Ownwell
0.90%
1.13%
1.36%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Clearwater Beach Tax Rate
1.13%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Anne Arundel County Tax Rate
1.09%
Median Effective Maryland Tax Rate
1.21%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Clearwater Beach, Anne Arundel County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 21226 | 0.87% | 0.95% | 1.13% | 1.26% | 1.31% |
Source: Ownwell
Property Tax Assessment Values Across Clearwater Beach, Anne Arundel County, Maryland
When examining property taxes in Clearwater Beach, Maryland, understanding the distinction between "market value" and "assessed value" is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Anne Arundel County appraisal district estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Anne Arundel County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month when notices are sent.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Clearwater Beach.
For example, the median home price in Clearwater Beach is $264,800, with tax bills ranging significantly across the county. 21226 has the highest median home price at $264,800.
Property Tax Assessment Values Across Clearwater Beach, Anne Arundel County, Maryland
Source: Ownwell
$9,700
$1,007,850
$2,006,000
Median Clearwater Beach Market Value
$264,800
Median Anne Arundel County Market Value
$386,400
Median Maryland Market Value
$338,400
Median United States Market Value
$274,101
Property Tax Assessment Values Across Clearwater Beach, Anne Arundel County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 21226 | $204,940 | $234,800 | $264,800 | $310,000 | $399,940 |
Source: Ownwell
Property Tax Bills Across Clearwater Beach, Anne Arundel County, Maryland
Property tax bills in Clearwater Beach are based on the assessed value of a home and the local tax rate set for Anne Arundel County. When a property’s market value changes, the assessed value can change too, which directly affects the tax bill homeowners receive. For a home with a median price of $264,800, the property tax bill in this area is typically around $2,945, which is above the national median property tax bill of $2,400 and slightly higher than the national median property tax rate of 1.02%.
Several factors influence the final bill, including the home’s assessed value, local tax rates, and any exemptions that may apply. Homes with higher assessed values usually face larger tax bills, while lower assessments can reduce what a homeowner owes. In Clearwater Beach, bills can vary, with the 25th percentile at $2,430 and the 75th percentile at $3,543, showing how much costs can differ from one property to another. For homeowners, this means property taxes can be a major part of annual housing costs.
Property Tax Bills Across Clearwater Beach, Anne Arundel County, Maryland
Source: Ownwell
$99
$11,938
$23,776
Median Clearwater Beach Tax Bill
$2,945
Median Anne Arundel County Tax Bill
$4,073
Median Maryland Tax Bill
$4,092
Median United States Tax Bill
$3,209
Property Tax Bills Across Clearwater Beach, Anne Arundel County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 21226 | $1,947 | $2,430 | $2,945 | $3,543 | $4,709 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | February 13 |
Links | |
|---|---|
| Anne Arundel Tax Assessor | |
| Website | sdat.dat.maryland.gov |