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Lusby, Calvert County, Maryland Property Taxes

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Property Taxes in Lusby, Maryland

  • Median Lusby, Maryland effective property tax rate: 1.03%, significantly lower than the national median of 1.02%, and lower than the Maryland state median of 1.21%.

  • Median Lusby, Maryland home value: $301,700

  • Median annual Lusby, Maryland tax bill: $3,129, $729 higher than the national median property tax bill of $2,400.

How are property taxes in Calvert calculated?

Property taxes in Lusby, 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 Lusby's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Lusby, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Lusby, Calvert County, Maryland Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.03%

Estimate Property Tax Bill

$3,108

$2,884

SAVE WITH OWNWELL

$774

Average Annual Tax Savings

How Does the Lusby Property Tax Calculator Work?

Use this Lusby property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Lusby's median effective tax rate of 1.03% — based on actual property records in Calvert County — to generate your estimate.

Enter your property's estimated assessed value — the figure used to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Lusby'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 Lusby: rates range from 1.03% in 20657 to 1.03% in 20657, primarily due to differences in school district levies and local assessment districts. Lusby's median property tax rate is lower than Maryland's 1.21% median, and the median tax bill of $3,129 is $729 higher than the state median.

If your estimate is higher than expected, Ownwell can appeal your Lusby assessment — you only pay if we save you money.

About Lusby Property Taxes

About Property Taxes in Lusby, Calvert, Maryland

Lusby’s median effective property tax rate of 1.03% 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 Lusby. Homeowners in the 20657 ZIP code carry a median effective rate of 1.03%, while those in 20657 pay 1.03%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Calvert County. Understanding which part of Lusby you live in can make a meaningful difference to your annual tax bill.

Lusby homeowners who believe their assessed value is too high can file a formal appeal with the local 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 Lusby, 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 Lusby'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 Lusby, Calvert County, Maryland

Source: Ownwell

0.98%

1.15%

1.32%

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 Lusby Tax Rate

1.03%

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

1.02%

Property Tax Rates Across Lusby, Calvert County, Maryland

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
206570.95%0.99%1.03%1.07%1.10%

Source: Ownwell

Property Tax Assessment Values Across Lusby, Calvert County, Maryland

When examining property taxes in Lusby, 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 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. For Lusby, the median home price is $301,700, and the median tax bill is $3,129, compared with the national median property tax rate of 1.02% and national median property tax bill of $2,400.

Property Tax Assessment Values Across Lusby, Calvert County, Maryland

Source: Ownwell

$296,400

$394,400

$492,400

Median Lusby Market Value

$301,700

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 Lusby, Calvert County, Maryland

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
20657$170,650$241,800$301,700$375,500$503,970

Source: Ownwell

Property Tax Bills Across Lusby, Calvert County, Maryland

Property tax bills in Lusby are based on the assessed value of a home and the local tax rate set for Calvert County. For a home with a median price of $301,700, the bill can vary widely depending on the property’s assessed market value, exemptions, and the taxing jurisdictions that apply. In this area, the 25th percentile tax bill is $2,670, the 75th percentile is $3,798, and the 90th percentile reaches $5,136. The median tax bill is $3,129 in ZIP code 20657, which is above the national median property tax bill of $2,400 and above the national median property tax rate of 1.02%. Higher assessed values can mean higher bills, which can put pressure on homeowners each year.

Ownwell helps homeowners identify opportunities to lower their property tax bills by reviewing assessments and pursuing appeals when a home is overassessed. By challenging an unfair assessment, Ownwell can help reduce what homeowners owe and potentially save them money year after year.

Property Tax Bills Across Lusby, Calvert County, Maryland

Source: Ownwell

$3,129

$4,139

$5,149

Median Lusby Tax Bill

$3,129

Median Calvert County Tax Bill

$3,976

Median Maryland Tax Bill

$4,092

Median United States Tax Bill

$2,400

Property Tax Bills Across Lusby, Calvert County, Maryland

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
20657$2,213$2,670$3,129$3,798$5,136

Source: Ownwell

Don't miss the deadline to appeal!

Frequently Asked Property Tax Questions in Lusby, Maryland

How are property taxes calculated in Lusby, Maryland?
Property taxes in Lusby, Maryland are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.
How do I appeal my property taxes in Lusby, Maryland?
To appeal your property taxes in Lusby, Maryland, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.
What property tax exemptions are available in Lusby, Maryland?
Common property tax exemptions in Lusby, Maryland include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.
When are property taxes due in Lusby, Maryland?
Property tax deadlines in Lusby, Maryland vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.
How can Ownwell help reduce my property taxes in Lusby, Maryland?
Ownwell provides professional property tax appeal services in Lusby, Maryland. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.