Cecil County, Maryland Property Taxes
Property Taxes in Cecil County, Maryland
Median Cecil County effective property tax rate: 0.96%, significantly lower than the national median of 1.02%.
Median Cecil County home value: $257,800
Median annual Cecil County tax bill: $2,612, higher than the national median property tax bill of $2,400.
How are property taxes in Cecil County calculated?
Property taxes in Cecil 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 Cecil County or another part of Cecil County, knowing local tax details benefits homeowners and investors.
Cecil County’s effective property tax rate is 0.96%, which is lower than Maryland’s median tax rate of 1.21%. Even with a rate below the state median, the median annual tax bill is $2,612, which is $212 higher than the national median bill of $2,400.
Last Updated April 13, 2026
Cecil County, Maryland Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.96%
Estimate Property Tax Bill
$2,475
$2,297
How Does the Cecil County Property Tax Calculator Work?
Use this Cecil County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Cecil County's median effective tax rate of 0.96% to generate your estimate.
Enter your property's estimated assessed value — the figure the assessor assigns for tax purposes, which is typically lower than market value after applicable exemptions. Our calculator uses the median effective rate for a more accurate estimate than the statutory millage rate alone.
Your actual bill may vary based on your specific exemptions, local school district levies, and any special assessment districts that apply to your property. Cecil County's median tax rate is lower than Maryland's 1.21% median, and the county's median property tax bill of $2,612 is $212 higher than the state median.
For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Cecil County.
Property Tax Rates Across Cecil County, Maryland
What Are Effective Property Tax Rates Across Cecil County?
Local government entities set tax rates, which vary widely across Cecil 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 Cecil County's effective property tax rate to other counties in Maryland or the U.S. median of 1.02%.
Cecil County's median effective rate stands at 0.96%, which is lower than the national median of 1.02%. Within Cecil County, the highest rate is found in Cecilton at 1.38%, while Elk Mills has the lowest at 0.87%.
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 Cecil County Tax Rate
0.96%
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 Cecil County, Maryland
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Cecilton | 1.30% | 1.36% | 1.38% | 1.39% | 1.60% |
| Charlestown | 0.93% | 1.06% | 1.13% | 1.24% | 1.30% |
| Chesapeake City | 0.93% | 0.97% | 1.04% | 1.13% | 1.50% |
| Colora | 0.83% | 0.87% | 0.91% | 0.94% | 1.01% |
| Conowingo | 0.81% | 0.86% | 0.90% | 0.95% | 1.01% |
| Earleville | 0.89% | 0.96% | 1.04% | 1.11% | 1.14% |
| Elk Mills | 0.67% | 0.81% | 0.87% | 1.07% | 1.10% |
| Elkton | 0.84% | 0.90% | 0.98% | 1.51% | 1.63% |
| Georgetown | 0.93% | 0.99% | 1.11% | 1.13% | 1.17% |
| North East | 0.77% | 0.83% | 0.91% | 1.05% | 1.37% |
| Perryville | 0.85% | 0.98% | 1.12% | 1.19% | 1.29% |
| Port Deposit | 0.79% | 0.84% | 0.88% | 0.95% | 1.34% |
| Rising Sun | 0.82% | 0.88% | 0.93% | 1.07% | 1.49% |
| Warwick | 0.89% | 0.96% | 1.02% | 1.06% | 1.12% |
| Childs | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Cecil County, Maryland
When examining property taxes in Cecil 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. Cecil County 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 Cecil County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of December.
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 Cecil County.
For example, the median tax bill in Cecil County is $2,612, compared with the national median property tax bill of $2,400. Warwick has the highest median home price at $345,500.
Median Cecil County Market Value
$257,800
Median Maryland Market Value
$338,400
Median United States Market Value
$235,294
Property Tax Assessment Values Across Cecil County, Maryland
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Cecilton | $108,940 | $153,275 | $183,050 | $240,350 | $264,470 |
| Charlestown | $115,000 | $179,900 | $248,200 | $318,875 | $435,730 |
| Chesapeake City | $166,290 | $206,950 | $265,300 | $362,425 | $575,870 |
| Colora | $186,090 | $226,025 | $279,850 | $356,150 | $418,020 |
| Conowingo | $159,580 | $218,800 | $269,700 | $329,800 | $417,720 |
| Earleville | $54,140 | $123,250 | $210,400 | $343,850 | $532,280 |
| Elk Mills | $71,480 | $114,050 | $153,500 | $243,250 | $332,890 |
| Elkton | $118,960 | $171,325 | $240,800 | $327,300 | $433,800 |
| Georgetown | $84,280 | $132,300 | $196,200 | $348,975 | $964,820 |
| North East | $142,980 | $202,900 | $273,900 | $381,300 | $482,340 |
| Perryville | $165,400 | $197,700 | $256,750 | $334,200 | $410,780 |
| Port Deposit | $154,400 | $215,375 | $285,250 | $384,050 | $489,000 |
| Rising Sun | $176,080 | $218,100 | $270,700 | $340,350 | $450,320 |
| Warwick | $123,400 | $204,000 | $345,500 | $523,400 | $669,440 |
| Childs | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Cecil County, Maryland
Property tax bills in Cecil County are based on the assessed value of a home and the local tax rate set by taxing authorities. When a property’s market value changes, the assessed value can change too, which affects the final bill. Homes with higher assessed values generally owe more, while lower-assessed homes owe less.
In Cecil County, the median home price is $257,800, and property tax bills vary widely depending on location and assessment. The 25th percentile tax bill is $1,960, while the 75th percentile is $3,598. At the high end, the 90th percentile reaches $4,753. Warwick has the highest median tax bill at $3,523, while Elk Mills has the lowest at $1,467.
These differences show how property taxes can affect homeowners unevenly across the county. A higher bill can raise monthly housing costs and make ownership less affordable, especially when compared with the national median property tax rate of 1.02% and median bill of $2,400.
Median Cecil County Tax Bill
$2,612
Median Maryland Tax Bill
$4,092
Median United States Tax Bill
$2,400
Property Tax Bills Across Cecil County, Maryland
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Cecilton | $1,579 | $2,129 | $2,501 | $3,249 | $3,629 |
| Charlestown | $994 | $1,979 | $2,796 | $3,590 | $5,156 |
| Chesapeake City | $1,861 | $2,257 | $2,921 | $4,109 | $6,294 |
| Colora | $1,643 | $2,038 | $2,528 | $3,232 | $3,897 |
| Conowingo | $1,404 | $1,958 | $2,436 | $3,019 | $3,915 |
| Earleville | $562 | $1,285 | $2,104 | $3,509 | $5,598 |
| Elk Mills | $496 | $948 | $1,467 | $2,110 | $2,940 |
| Elkton | $1,381 | $1,936 | $2,592 | $3,638 | $4,828 |
| Georgetown | $945 | $1,482 | $2,084 | $3,617 | $10,269 |
| North East | $1,346 | $2,023 | $2,606 | $3,572 | $4,748 |
| Perryville | $1,711 | $2,069 | $2,870 | $3,785 | $4,629 |
| Port Deposit | $1,454 | $1,992 | $2,570 | $3,504 | $4,373 |
| Rising Sun | $1,646 | $2,085 | $2,755 | $3,599 | $4,491 |
| Warwick | $1,180 | $2,032 | $3,523 | $5,332 | $6,886 |
| Childs | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | February 13 |
Links | |
|---|---|
| Cecil Tax Assessor | |
| Website | sdat.dat.maryland.gov |