Property Taxes in Monrovia, Maryland
Median Monrovia, Maryland effective property tax rate: 1.22%, significantly higher than the national median of 1.02%, and slightly higher than the Maryland state median of 1.21%.
Median Monrovia, Maryland home value: $481,200
Median annual Monrovia, Maryland tax bill: $5,710, $3,310 higher than the national median property tax bill of $2,400.
How are property taxes in Frederick calculated?
Property taxes in Monrovia, 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 Monrovia's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Monrovia, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Monrovia Property Tax Calculator Work?
Use this Monrovia property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Monrovia's median effective tax rate of 1.22% — based on actual property records in Frederick 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 Monrovia'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 Monrovia: rates are 1.22% in 21770 to 1.22% in 21770, 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 Monrovia.
About Monrovia Property Taxes
About Property Taxes in Monrovia, Frederick, Maryland
Monrovia’s median effective property tax rate of 1.22% 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 Monrovia. Homeowners in the 21770 ZIP code carry a median effective rate of 1.22%, while those in the same ZIP code pay 1.22%. This spread reflects how school district boundaries and local assessment districts are drawn across Frederick County. Understanding which part of Monrovia you live in can make a meaningful difference to your annual tax bill.
Monrovia 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 Monrovia, 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 Monrovia'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 Monrovia Tax Rate
1.22%
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 Monrovia, Frederick County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 21770 | 1.12% | 1.17% | 1.22% | 1.24% | 1.25% |
Source: Ownwell
Property Tax Assessment Values Across Monrovia, Frederick County, Maryland
When examining property taxes in Monrovia, 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 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 are sent in the spring each year and typically arrive by the middle of the month. Each property owner receives a notice that includes both the market value and assessed value, along with an estimate of the property tax bill.
For example, the median home price in Monrovia is $481,200, with a median tax bill of $5,710. In ZIP code 21770, the median home price is also $481,200.
Property Tax Assessment Values Across Monrovia, Frederick County, Maryland
Source: Ownwell
$235,400
$376,075
$516,750
Median Monrovia Market Value
$481,200
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 Monrovia, Frederick County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 21770 | $340,850 | $395,400 | $481,200 | $651,075 | $754,350 |
Source: Ownwell
Property Tax Bills Across Monrovia, Frederick County, Maryland
Property tax bills in Monrovia are based on the assessed value of a home, not its market price alone. Local tax rates are applied to that assessed value to determine the annual bill, so homeowners with higher-valued properties generally pay more. In Monrovia, the median home price is $481,200, and the median property tax bill is $5,710, which is well above the national median property tax bill of $2,400 and the national median property tax rate of 1.02%.
Several factors can affect the final bill, including the home’s assessed value, local tax rates, and any changes in property value over time. Bills in the area also vary widely: the 25th percentile is $4,754, while the 75th percentile is $7,782, and the 90th percentile reaches $9,004. For homeowners, this means property taxes can be a significant part of annual housing costs, especially when assessments rise.
Median Monrovia Tax Bill
$5,710
Median Frederick County Tax Bill
$4,845
Median Maryland Tax Bill
$4,092
Median United States Tax Bill
$3,209
Property Tax Bills Across Monrovia, Frederick County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 21770 | $4,066 | $4,754 | $5,710 | $7,782 | $9,004 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | February 13 |
Links | |
|---|---|
| Frederick Tax Assessor | |
| Website | sdat.dat.maryland.gov |