Property Taxes in Chesapeake Beach, Maryland
Median Chesapeake Beach, Maryland effective property tax rate: 1.04%, significantly lower than the national median of 1.02%, and lower than the Maryland state median of 1.21%.
Median Chesapeake Beach, Maryland home value: $351,800
Median annual Chesapeake Beach, Maryland tax bill: $3,684, higher by $1,284 than the national median property tax bill of $2,400.
How are property taxes in Calvert calculated?
Property taxes in Chesapeake 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 Chesapeake Beach's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Chesapeake Beach, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Chesapeake Beach Property Tax Calculator Work?
Use this Chesapeake Beach property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Chesapeake Beach's median effective tax rate of 1.04% — based on actual property records in Calvert County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment process uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Chesapeake 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 Chesapeake Beach: rates range from 1.04% in 20732 to 1.04% in 20732, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Chesapeake Beach.
About Chesapeake Beach Property Taxes
About Property Taxes in Chesapeake Beach, Calvert, Maryland
Chesapeake Beach's median effective property tax rate of 1.04% is lower than the Maryland state median of 1.21% and higher than the national median of 1.02%. This rate reflects the Calvert 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 Chesapeake Beach. Homeowners in ZIP code 20732 carry a median effective rate of 1.04%, while those in 20732 pay 1.04%. This spread — 0 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Calvert County. Understanding which part of Chesapeake Beach you live in can make a meaningful difference to your annual tax bill.
Chesapeake 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 Chesapeake Beach, Calvert 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 Chesapeake Beach's effective property tax rate to other cities in Maryland and the median property tax rates in Maryland and the U.S.
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 Chesapeake Beach Tax Rate
1.04%
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%
Median Effective Maryland Tax Rate
1.21%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Chesapeake Beach, Calvert County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20732 | 1.00% | 1.02% | 1.04% | 1.08% | 1.13% |
Source: Ownwell
Property Tax Assessment Values Across Chesapeake Beach, Calvert County, Maryland
When examining property taxes in Chesapeake 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 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 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. For example, the median home price in Chesapeake Beach is $351,800, with a median tax bill of $3,684. The national median property tax rate is 1.02%, and the national median property tax bill is $2,400.
Property Tax Assessment Values Across Chesapeake Beach, Calvert County, Maryland
Source: Ownwell
$296,400
$394,400
$492,400
Median Chesapeake Beach Market Value
$351,800
Median Calvert County Market Value
$373,400
Median Maryland Market Value
$338,400
Median United States Market Value
$274,101
Property Tax Assessment Values Across Chesapeake Beach, Calvert County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20732 | $219,880 | $296,700 | $351,800 | $478,700 | $591,320 |
Source: Ownwell
Property Tax Bills Across Chesapeake Beach, Calvert County, Maryland
Property tax bills in Chesapeake Beach are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. For a median home price of $351,800, the resulting tax bill can vary depending on the assessed value and any local tax rules that affect the final amount.
Homeowners in Chesapeake Beach should expect bills that reflect both property value and county-level taxation. The 25th percentile tax bill is $3,122, while the 75th percentile tax bill is $4,921, showing how much bills can differ across homes. At the higher end, the 90th percentile tax bill reaches $6,046. The median tax bill in ZIP code 20732 is $3,684, which is above the national median property tax bill of $2,400 and the national median property tax rate of 1.02%. This means property taxes can be a significant part of homeownership costs in Chesapeake Beach.
Property Tax Bills Across Chesapeake Beach, Calvert County, Maryland
Source: Ownwell
$3,129
$4,139
$5,149
Median Chesapeake Beach Tax Bill
$3,684
Median Calvert County Tax Bill
$3,976
Median Maryland Tax Bill
$4,092
Median United States Tax Bill
$3,209
Property Tax Bills Across Chesapeake Beach, Calvert County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20732 | $2,391 | $3,122 | $3,684 | $4,921 | $6,046 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | February 13 |
Links | |
|---|---|
| Calvert Tax Assessor | |
| Website | sdat.dat.maryland.gov |