Property Taxes in Union Bridge, Maryland
Median Union Bridge, Maryland effective property tax rate: 1.14%, significantly lower than the national median of 1.02%, and lower than the Maryland state median of 1.21%.
Median Union Bridge, Maryland home value: $315,800
Median annual Union Bridge, Maryland tax bill: $3,486, $1,086 higher than the national median property tax bill of $2,400.
How are property taxes in Frederick calculated?
Property taxes in Union Bridge, 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 Union Bridge's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Union Bridge, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Union Bridge Property Tax Calculator Work?
Use this Union Bridge property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Union Bridge's median effective tax rate of 1.14% — based on actual property records in Frederick County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Union Bridge'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 Union Bridge: rates range from $3,486 in 21791 to $3,486 in 21791, 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 Union Bridge.
About Union Bridge Property Taxes
About Property Taxes in Union Bridge, Frederick, Maryland
Union Bridge's median effective property tax rate of 1.14% is lower 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 Union Bridge. Homeowners in the 21791 ZIP code carry a median effective rate of 1.14%, while those in the same ZIP code pay 1.14%. This spread — 0 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Frederick County. Understanding which part of Union Bridge you live in can make a meaningful difference to your annual tax bill.
Union Bridge homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before February 13, 2026.
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 Union Bridge, 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 Union Bridge'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 Union Bridge Tax Rate
1.14%
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 Union Bridge, Frederick County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 21791 | 1.01% | 1.06% | 1.14% | 1.19% | 1.21% |
Source: Ownwell
Property Tax Assessment Values Across Union Bridge, Frederick County, Maryland
When examining property taxes in Union Bridge, 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. Frederick 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 Frederick 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. By understanding how assessed and market values are determined, property owners can better navigate their tax responsibilities in Union Bridge.
For example, the median home price in Union Bridge is $315,800, with tax bills ranging significantly across the county. ZIP code 21791 has the highest median home price at $315,800.
Property Tax Assessment Values Across Union Bridge, Frederick County, Maryland
Source: Ownwell
$235,400
$376,075
$516,750
Median Union Bridge Market Value
$315,800
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 Union Bridge, Frederick County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 21791 | $120,700 | $151,600 | $315,800 | $425,800 | $562,360 |
Source: Ownwell
Property Tax Bills Across Union Bridge, Frederick County, Maryland
Property tax bills in Union Bridge are based on the assessed value of a home and the local tax rate set by Frederick County and other taxing authorities. When a property’s market value changes, the assessed value can change too, which affects the final bill homeowners receive. The bill is calculated by multiplying the assessed value by the applicable tax rate, so homes with higher values generally face larger property tax bills.
In Union Bridge, the median home price is $315,800, and the median property tax bill is $3,486. That is above the national median property tax bill of $2,400 and above the national median property tax rate of 1.02%. Property tax bills can vary widely, with the 25th percentile at $1,638 and the 75th percentile at $4,574. For higher-value properties, the 90th percentile reaches $6,054, which can make property taxes a major part of homeownership costs.
Median Union Bridge Tax Bill
$3,486
Median Frederick County Tax Bill
$4,845
Median Maryland Tax Bill
$4,092
Median United States Tax Bill
$3,209
Property Tax Bills Across Union Bridge, Frederick County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 21791 | $1,461 | $1,638 | $3,486 | $4,574 | $6,054 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | February 13 |
Links | |
|---|---|
| Frederick Tax Assessor | |
| Website | sdat.dat.maryland.gov |