Property Taxes in Swan Point, Maryland
Median Swan Point, Maryland effective property tax rate: 1.15%, significantly lower than the national median of 1.02%, and lower than the Maryland state median of 1.21%.
Median Swan Point, Maryland home value: $426,700
Median annual Swan Point, Maryland tax bill: $4,990, $2,590 higher than the national median property tax bill of $2,400.
How are property taxes in Charles calculated?
Property taxes in Swan Point, 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 Swan Point's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Swan Point, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Swan Point Property Tax Calculator Work?
Use this Swan Point property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Swan Point's median effective tax rate of 1.15% — based on actual property records in Charles 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 Swan Point'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 Swan Point: rates range from 1.15% in 20645 to 1.15% in 20645, 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 Swan Point.
About Swan Point Property Taxes
About Property Taxes in Swan Point, Charles, Maryland
Swan Point’s median effective property tax rate of 1.15% is lower than the Maryland state median of 1.21% and higher than the national median of 1.02%. This rate reflects the Charles 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 Swan Point. Homeowners in the 20645 ZIP code carry a median effective rate of 1.15%, while those in the same ZIP code also pay 1.15%. This spread — 0 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Charles County. Understanding which part of Swan Point you live in can make a meaningful difference to your annual tax bill.
Swan Point 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 Swan Point, Charles 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 Swan Point'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 Swan Point Tax Rate
1.15%
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 Charles County Tax Rate
1.34%
Median Effective Maryland Tax Rate
1.21%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Swan Point, Charles County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20645 | 1.03% | 1.13% | 1.15% | 1.19% | 1.32% |
Source: Ownwell
Property Tax Assessment Values Across Swan Point, Charles County, Maryland
When examining property taxes in Swan Point, 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 Charles 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 Charles County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month.
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 Swan Point is $426,700, with tax bills ranging significantly across the county. Zip code 20645 has the highest median home price at $426,700.
Property Tax Assessment Values Across Swan Point, Charles County, Maryland
Source: Ownwell
$43,350
$262,775
$482,200
Median Swan Point Market Value
$426,700
Median Charles County Market Value
$354,900
Median Maryland Market Value
$338,400
Median United States Market Value
$274,101
Property Tax Assessment Values Across Swan Point, Charles County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20645 | $24,510 | $333,275 | $426,700 | $534,950 | $710,450 |
Source: Ownwell
Property Tax Bills Across Swan Point, Charles County, Maryland
Property tax bills in Swan Point are calculated from the assessed value of a home and the local tax rate set by Charles County. When a property’s market value is assessed, that value becomes the basis for the bill, so higher-valued homes generally face higher taxes. For Swan Point, the median home price is $426,700, which helps explain why tax bills can be substantial.
Homeowners in the area typically see a wide range of bills. The 25th percentile tax bill is $3,793, while the 75th percentile is $6,338. At the high end, the 90th percentile reaches $8,044. The median tax bill is $4,990, which is more than the national median property tax bill of $2,400. That means many homeowners in Swan Point pay well above the national norm.
These bills affect monthly housing costs and overall affordability, especially when home values rise. If a home is assessed higher than its true market value, the tax bill can increase even without any change to the property itself.
Median Swan Point Tax Bill
$4,990
Median Charles County Tax Bill
$4,693
Median Maryland Tax Bill
$4,092
Median United States Tax Bill
$3,209
Property Tax Bills Across Swan Point, Charles County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20645 | $283 | $3,793 | $4,990 | $6,338 | $8,044 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | February 13 |
Links | |
|---|---|
| Charles Tax Assessor | |
| Website | sdat.dat.maryland.gov |