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
How Does the Lusby Property Tax Calculator Work?
Use this Lusby property tax calculator to estimate your annual property 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.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Lusby.
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.
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
1.27%
Property Tax Rates Across Lusby, Calvert County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20657 | 0.95% | 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
$274,101
Property Tax Assessment Values Across Lusby, Calvert County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th 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. When a property’s market value changes, the assessed value can change as well, which affects the final bill. For a home with a median price of $301,700, the property tax bill is shaped by how local assessments compare with that value and how the county applies its rate.
Homeowners in Lusby often see bills that vary widely depending on property characteristics and location within the area. The 25th percentile tax bill is $2,670, while the 75th percentile is $3,798, and the 90th percentile reaches $5,136. The median tax bill in the ZIP code 20657 is $3,129, which is above the national median property tax bill of $2,400 and reflects the impact of local assessments and tax rates. These bills directly affect monthly housing costs and can make homeownership more expensive when assessed values rise.
Median Lusby Tax Bill
$3,129
Median Calvert County Tax Bill
$3,976
Median Maryland Tax Bill
$4,092
Median United States Tax Bill
$3,209
Property Tax Bills Across Lusby, Calvert County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20657 | $2,213 | $2,670 | $3,129 | $3,798 | $5,136 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | February 13 |
Links | |
|---|---|
| Calvert Tax Assessor | |
| Website | sdat.dat.maryland.gov |