Property Taxes in Frederick, Maryland
Median Frederick, Maryland effective property tax rate: 1.45%, significantly higher than the national median of 1.02%, and higher than the Maryland state median of 1.21%.
Median Frederick, Maryland home value: $366,400
Median annual Frederick, Maryland tax bill: $5,056, $2,656 higher than the national median property tax bill of $2,400.
How are property taxes in Frederick calculated?
Property taxes in Frederick, 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 Frederick's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Frederick, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Frederick Property Tax Calculator Work?
Use this Frederick property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Frederick's median effective tax rate of 1.45% — based on actual property records in Frederick County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment office uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Frederick'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 Frederick: rates range from $4,138 in 21703 to $6,656 in 21704, 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 Frederick.
About Frederick Property Taxes
About Property Taxes in Frederick, Frederick, Maryland
Frederick's median effective property tax rate of 1.45% is higher than the Maryland state median of 1.21% and higher than the national median of 1.02%. This rate reflects the Frederick 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 Frederick. Homeowners in the 21701 ZIP code carry a median effective rate of 1.62%, while those in 21703 pay 1.16%. This spread — 0.46 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Frederick County.
Frederick 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 Frederick, Frederick 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 Frederick'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 Frederick Tax Rate
1.45%
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 Frederick County Tax Rate
1.23%
Median Effective Maryland Tax Rate
1.21%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Frederick, Frederick County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 21701 | 1.14% | 1.23% | 1.62% | 1.71% | 1.75% |
| 21702 | 0.99% | 1.09% | 1.58% | 1.70% | 1.73% |
| 21703 | 0.98% | 1.05% | 1.16% | 1.27% | 1.70% |
| 21704 | 1.18% | 1.23% | 1.42% | 1.47% | 1.50% |
| 21674 | N/A | N/A | N/A | N/A | N/A |
| 21716 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Frederick, Frederick County, Maryland
When examining property taxes in Frederick, 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 Frederick County tax authority 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 Frederick County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of March.
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 Frederick.
For example, the median home price in Frederick is $366,400, with tax bills ranging significantly across the county. 21704 has the highest median home price at $480,300.
Property Tax Assessment Values Across Frederick, Frederick County, Maryland
Source: Ownwell
$235,400
$376,075
$516,750
Median Frederick Market Value
$366,400
Median Frederick County Market Value
$378,800
Median Maryland Market Value
$338,400
Median United States Market Value
$274,101
Property Tax Assessment Values Across Frederick, Frederick County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 21701 | $210,000 | $275,000 | $343,900 | $456,800 | $588,350 |
| 21702 | $180,000 | $263,600 | $359,050 | $475,875 | $594,450 |
| 21703 | $230,000 | $264,900 | $340,000 | $423,600 | $541,600 |
| 21704 | $330,000 | $402,525 | $480,300 | $638,000 | $749,130 |
| 21674 | N/A | N/A | N/A | N/A | N/A |
| 21716 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Frederick, Frederick County, Maryland
Frederick property tax bills are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. The assessed value is the starting point for determining how much a homeowner owes each year, and changes in market conditions can affect that amount.
For Frederick homeowners, the median home price is $366,400, and tax bills vary widely across the city. The 25th percentile tax bill is $3,717, while the 75th percentile is $6,725 and the 90th percentile reaches $8,823. That means many residents pay well above the national median property tax bill of $2,400.
Location within the city also matters. The highest median tax bill is $6,656 in zip code 21704, while the lowest median tax bill is $4,138 in zip code 21703. These differences show how property taxes can affect homeowners unevenly, even within the same city.
Median Frederick Tax Bill
$5,056
Median Frederick County Tax Bill
$4,845
Median Maryland Tax Bill
$4,092
Median United States Tax Bill
$3,209
Property Tax Bills Across Frederick, Frederick County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 21701 | $2,792 | $3,795 | $5,227 | $6,887 | $9,174 |
| 21702 | $2,667 | $3,863 | $5,174 | $6,801 | $8,733 |
| 21703 | $2,735 | $3,260 | $4,138 | $5,214 | $6,529 |
| 21704 | $4,186 | $5,458 | $6,656 | $8,810 | $10,436 |
| 21674 | N/A | N/A | N/A | N/A | N/A |
| 21716 | 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 | |
|---|---|
| Frederick Tax Assessor | |
| Website | sdat.dat.maryland.gov |