Calvert County, Maryland Property Taxes
Property Taxes in Calvert County, Maryland
Median Calvert County effective property tax rate: 1.06%, significantly higher than the national median of 1.02%.
Median Calvert County home value: $373,400
Median annual Calvert County tax bill: $3,976, $1,576 higher than the national median property tax bill of $2,400.
How are property taxes in Calvert County calculated?
Property taxes in Calvert County 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 your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Calvert County or another part of Calvert County, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Calvert County, Maryland Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.06%
Estimate Property Tax Bill
$3,958
$3,673
$774
Average Annual Tax Savings
How Does the Calvert County Property Tax Calculator Work?
Use this Calvert County property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Calvert County's median effective tax rate of 1.06% — drawn from real transactions across the county — to generate your estimate.
Enter your property's estimated assessed value — the value the assessment office assigns to your property, typically lower than market value after exemptions. Our calculator uses the median effective rate (actual bills divided by market value), which accounts for typical exemptions and is more accurate than applying the statutory millage rate directly.
Note: your assessed value reflects any exemptions you currently have. Calvert County's median property tax bill is $3,976, which is higher than Maryland's $2,400 national median property tax bill and higher than the state median tax bill by $1,576. Rates vary across Calvert County — scroll down to explore city-level trends and find the rate specific to your area.
If your estimate is higher than expected, Ownwell can protest your Calvert County assessment.
Property Tax Rates Across Calvert County, Maryland
What Are Effective Property Tax Rates Across Calvert County?
Local government entities set tax rates, which vary widely across Calvert County. Each year, the county estimates its budget for public services and divides that total by the assessed value of all taxable property within its jurisdiction.
Below, compare Calvert County's effective property tax rate to other counties in Maryland or the U.S. median of 1.02%.
Calvert County's median effective rate stands at 1.06%, which is higher than the national median of 1.02%. Within Calvert County, the highest rate is found in North Beach at 1.32%, while Solomons has the lowest at 0.98%.
These variations reflect differences in local school district levies, special taxing districts assessments, and special district bonds — which compound the base county rate.
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 Calvert County Tax Rate
1.06%
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 Maryland Tax Rate
1.21%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Calvert County, Maryland
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Broomes Island | 0.88% | 0.95% | 1.00% | 1.03% | 1.06% |
| Chesapeake Beach | 1.00% | 1.02% | 1.04% | 1.08% | 1.13% |
| Dunkirk | 1.02% | 1.05% | 1.06% | 1.08% | 1.09% |
| Huntingtown | 1.09% | 1.11% | 1.13% | 1.14% | 1.15% |
| Lusby | 0.95% | 0.99% | 1.03% | 1.07% | 1.10% |
| North Beach | 1.05% | 1.07% | 1.32% | 1.43% | 1.52% |
| Owings | 1.03% | 1.05% | 1.07% | 1.08% | 1.11% |
| Port Republic | 0.94% | 0.98% | 1.01% | 1.12% | 1.14% |
| Prince Frederick | 0.95% | 1.12% | 1.13% | 1.14% | 1.16% |
| Saint Leonard | 0.92% | 0.97% | 0.99% | 1.01% | 1.05% |
| Solomons | 0.94% | 0.96% | 0.98% | 1.02% | 1.04% |
| Sunderland | 1.04% | 1.06% | 1.08% | 1.11% | 1.13% |
| St Leonard | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Property Tax Assessment Values Across Calvert County, Maryland
When examining property taxes in Calvert County, 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 Calvert County assessment office 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 Calvert County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of May.
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 Calvert County.
For example, the median tax bill in Calvert County is $3,976, compared with the national median property tax bill of $2,400. Tax bills range significantly across the county, with Dunkirk at the highest median home price of $492,400.
Property Tax Assessment Values Across Calvert County, Maryland
Source: Ownwell
$296,400
$394,400
$492,400
Median Calvert County Market Value
$373,400
Median Maryland Market Value
$338,400
Median United States Market Value
$235,294
Property Tax Assessment Values Across Calvert County, Maryland
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Broomes Island | $207,690 | $276,775 | $436,800 | $619,275 | $833,120 |
| Chesapeake Beach | $219,880 | $296,700 | $351,800 | $478,700 | $591,320 |
| Dunkirk | $335,840 | $404,200 | $492,400 | $634,700 | $794,660 |
| Huntingtown | $267,800 | $351,300 | $437,000 | $534,300 | $643,040 |
| Lusby | $170,650 | $241,800 | $301,700 | $375,500 | $503,970 |
| North Beach | $203,080 | $247,275 | $296,400 | $372,675 | $455,600 |
| Owings | $310,710 | $389,775 | $484,200 | $586,400 | $706,180 |
| Port Republic | $222,180 | $308,800 | $401,300 | $499,100 | $599,900 |
| Prince Frederick | $202,340 | $265,825 | $349,250 | $469,475 | $619,750 |
| Saint Leonard | $231,900 | $292,700 | $401,300 | $505,000 | $645,300 |
| Solomons | $241,900 | $298,400 | $369,400 | $488,050 | $648,980 |
| Sunderland | $248,580 | $350,400 | $447,100 | $562,050 | $667,600 |
| St Leonard | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Property Tax Bills Across Calvert County, Maryland
Property tax bills in Calvert are based on the assessed value of a home and the local tax rate applied to that value. When a property’s market value rises, the assessed value can increase too, which may lead to a higher tax bill. For homeowners, that means the amount owed can change even if nothing about the home itself has changed. The median home price is $373,400, and property tax bills in the county range from the 25th percentile at $3,040 to the 75th percentile at $5,248, with the 90th percentile reaching $6,545.
That puts Calvert above the national median property tax bill of $2,400, making it especially important to review your assessment carefully. Homeowners in Dunkirk see the highest median tax bill at $5,149.00, while Lusby has the lowest at $3,129.00. Ownwell helps homeowners save by identifying opportunities to appeal an overassessment and pursue exemptions that may lower their property tax bill.
Median Calvert County Tax Bill
$3,976
Median Maryland Tax Bill
$4,092
Median United States Tax Bill
$2,400
Property Tax Bills Across Calvert County, Maryland
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Broomes Island | $2,033 | $2,711 | $4,062 | $6,178 | $8,081 |
| Chesapeake Beach | $2,391 | $3,122 | $3,684 | $4,921 | $6,046 |
| Dunkirk | $3,533 | $4,277 | $5,149 | $6,505 | $8,172 |
| Huntingtown | $2,951 | $3,909 | $4,865 | $5,877 | $7,076 |
| Lusby | $2,213 | $2,670 | $3,129 | $3,798 | $5,136 |
| North Beach | $2,619 | $2,982 | $3,669 | $4,739 | $5,809 |
| Owings | $3,243 | $4,108 | $5,097 | $6,125 | $7,323 |
| Port Republic | $2,415 | $3,160 | $4,122 | $4,979 | $5,883 |
| Prince Frederick | $2,233 | $2,956 | $3,837 | $5,099 | $6,372 |
| Saint Leonard | $2,300 | $2,836 | $3,918 | $4,923 | $6,297 |
| Solomons | $2,395 | $2,928 | $3,755 | $4,793 | $6,342 |
| Sunderland | $2,517 | $3,768 | $4,779 | $5,969 | $7,276 |
| St Leonard | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Want to lower your Calvert County property taxes?
How Can I Lower My Property Taxes in Calvert County?
Looking to reduce your Calvert County property taxes? Ownwell is the leading property tax appeal company serving Calvert County. We specialize in helping property owners in the Prince Frederick area and beyond lower their tax bills by working directly with the Calvert County assessment office.
Through our tax monitoring service, we collect all necessary information to maximize your tax reductions. We navigate the complexities of the Calvert County property tax appeal process and identify all available exemptions, so you don't have to.
Whether you are a homeowner, a real estate investor, or an asset manager, our local team at Ownwell has the expertise to assess your current property tax situation and find strategic opportunities for reducing your tax burden.
Property Tax Appeals in Maryland
Homeowners in Calvert can challenge their property tax assessment if they believe their home was valued too high. The process starts with reviewing the assessment notice and comparing it with the home’s market value, recent sales of similar properties, and any issues that may affect value. If the assessment appears inaccurate, the homeowner can file a property tax appeal before the deadline.
The appeal is heard by the Property Tax Assessment Appeal Board, which reviews the evidence and decides whether the assessed value should be changed. During the process, homeowners may need to provide documents such as comparable sales, photos, repair estimates, or other information that supports a lower market value. The board may uphold the assessment, lower it, or, in some cases, adjust it in another direction if the evidence supports a different value.
A successful appeal can reduce the assessed value and lower the property tax bill. If the board agrees that the home was overassessed, the homeowner may receive tax savings for the current year and possibly future years as well. If the appeal is denied, the assessment stays in place.
Ownwell helps homeowners navigate the appeal process from start to finish. We review the assessment, identify possible overvaluation, prepare a strong case, and help submit the appeal correctly and on time. We also guide homeowners on what evidence matters most and how to present it effectively to the board. For homeowners who want help challenging an unfair assessment, Ownwell makes the process easier and more manageable.
Exemptions in Maryland
What property tax exemptions are available in Calvert County, Maryland?
Calvert County homeowners may qualify for several property tax exemption programs, with the most important being the primary residence exemption, also called the homestead exemption. This exemption is designed for owner-occupied homes that serve as a homeowner’s main residence, helping limit taxable assessment growth on that property. It is especially valuable for homeowners who plan to stay in their home long term.
Who is eligible for exemptions in Calvert County?
Eligibility depends on the exemption type. Primary residence exemptions generally apply to homeowners who live in the home as their principal residence. Other exemptions may be available for qualifying seniors, veterans, disabled homeowners, surviving spouses, and other specific groups, depending on county and state rules.
How do homeowners apply for property tax exemptions?
Homeowners typically apply through the local assessment office or the county tax office by submitting the required exemption form and supporting documents that prove eligibility. For a primary residence exemption, homeowners usually need to show that the property is their main home.
How can Ownwell help?
Ownwell helps homeowners identify which exemptions they may qualify for, prepare the right paperwork, and avoid missing deadlines. By making sure eligible homeowners claim every available exemption, Ownwell can help reduce property tax bills and make sure primary residences receive the protection they deserve.
Available Exemptions
Disabled
Home Stead
Veteran
Solar/Wind
Non-Profit
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | February 13 |
Links | |
|---|---|
| Calvert Tax Assessor | |
| Website | sdat.dat.maryland.gov |