Garrett County, Maryland Property Taxes
Property Taxes in Garrett County, Maryland
Median Garrett County effective property tax rate: 1.09%, significantly higher than the national median of 1.02%.
Median Garrett County home value: $186,500
Median annual Garrett County tax bill: $2,092, lower than the national median property tax bill of $2,400.
How are property taxes in Garrett County calculated?
Property taxes in Garrett 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 Garrett County's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Garrett County or another part of Garrett County, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Garrett County, Maryland Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.09%
Estimate Property Tax Bill
$2,033
$1,886
How Does the Garrett County Property Tax Calculator Work?
Use this Garrett County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Garrett County's median effective tax rate of 1.09% to generate your estimate.
Enter your property's estimated assessed value — the figure the assessment office 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. Garrett County’s median tax rate is higher than Maryland’s 1.21% state median tax rate, while the county’s median property tax bill of $2,092 is $308 lower than the state median bill of $2,400.
For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Garrett County.
Property Tax Rates Across Garrett County, Maryland
What Are Effective Property Tax Rates Across Garrett County?
Local government entities set tax rates, which vary widely across Garrett 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 Garrett County's effective property tax rate to other counties in Maryland or the U.S. median of 1.02%.
Garrett County's median effective rate stands at 1.09%, which is higher than the national median of 1.02%. Within Garrett County, the highest rate is found in Kitzmiller at 1.41%, while Mc Henry has the lowest at 0.96%.
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 Garrett County Tax Rate
1.09%
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 Garrett County, Maryland
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Accident | 0.87% | 0.93% | 0.98% | 1.03% | 1.21% |
| Barton | 1.18% | 1.20% | 1.22% | 1.27% | 1.31% |
| Bittinger | 0.88% | 0.92% | 0.99% | 1.01% | 1.05% |
| Bloomington | 1.30% | 1.31% | 1.31% | 1.31% | 1.31% |
| Friendsville | 0.94% | 1.17% | 1.19% | 1.22% | 1.63% |
| Frostburg | 1.17% | 1.18% | 1.20% | 1.22% | 1.25% |
| Grantsville | 1.00% | 1.18% | 1.20% | 1.24% | 1.35% |
| Kitzmiller | 1.17% | 1.21% | 1.41% | 1.51% | 1.51% |
| Lonaconing | 1.18% | 1.19% | 1.20% | 1.22% | 1.25% |
| Mc Henry | 0.85% | 0.92% | 0.96% | 1.02% | 1.07% |
| Oakland | 0.93% | 1.02% | 1.10% | 1.19% | 1.45% |
| Swanton | 0.93% | 1.02% | 1.07% | 1.18% | 1.23% |
| Westernport | 0.58% | 1.20% | 1.22% | 1.23% | 1.29% |
| Deer Park | N/A | N/A | N/A | N/A | N/A |
| Mchenry | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Garrett County, Maryland
When examining property taxes in Garrett 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. Garrett 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 Garrett 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. The median tax bill in Garrett County is $2,092, compared with the national median property tax bill of $2,400. Tax bills range significantly across the county, with the 25th percentile at $1,255 and the 90th percentile at $8,624. Mc Henry has the highest median home price at $537,800.
Property Tax Assessment Values Across Garrett County, Maryland
Source: Ownwell
$41,000
$289,400
$537,800
Median Garrett County Market Value
$186,500
Median Maryland Market Value
$338,400
Median United States Market Value
$235,294
Property Tax Assessment Values Across Garrett County, Maryland
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Accident | $85,390 | $132,850 | $195,900 | $285,850 | $374,740 |
| Barton | $39,960 | $58,300 | $109,600 | $172,200 | $249,040 |
| Bittinger | $99,680 | $110,900 | $161,000 | $216,300 | $399,620 |
| Bloomington | $35,030 | $48,275 | $73,200 | $95,350 | $107,870 |
| Friendsville | $43,640 | $69,000 | $114,400 | $174,600 | $262,620 |
| Frostburg | $61,740 | $91,100 | $135,400 | $181,100 | $256,240 |
| Grantsville | $49,250 | $82,600 | $122,450 | $175,050 | $253,250 |
| Kitzmiller | $23,700 | $30,900 | $41,000 | $73,100 | $111,500 |
| Lonaconing | $60,600 | $97,900 | $142,000 | $216,100 | $264,200 |
| Mc Henry | $197,290 | $345,000 | $537,800 | $859,150 | $1,203,360 |
| Oakland | $59,800 | $111,700 | $177,650 | $343,225 | $749,150 |
| Swanton | $62,930 | $135,100 | $366,050 | $736,775 | $1,214,680 |
| Westernport | $42,110 | $88,500 | $103,450 | $158,250 | $186,750 |
| Deer Park | N/A | N/A | N/A | N/A | N/A |
| Mchenry | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Garrett County, Maryland
Property tax bills in Garrett County are based on the assessed value of a home and the local tax rate set by taxing authorities. When a property is assessed, that value is used to calculate the annual bill, so homes with higher assessed values generally owe more. The median home price is $186,500, which helps show the local tax base, but the final bill depends on the assessment and the rate applied.
Homeowners in Garrett County see a wide range of bills because location and property characteristics can affect assessed value. The 25th percentile tax bill is $1,255, while the 75th percentile is $4,269 and the 90th percentile reaches $8,624. That spread shows how much bills can vary from one home to another. The highest median tax bill is $5,009 in McHenry, while the lowest median tax bill is $580 in Kitzmiller. For homeowners, this means property taxes can be a major part of annual housing costs, especially when assessments rise.
Median Garrett County Tax Bill
$2,092
Median Maryland Tax Bill
$4,092
Median United States Tax Bill
$2,400
Property Tax Bills Across Garrett County, Maryland
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Accident | $894 | $1,357 | $1,933 | $2,778 | $3,738 |
| Barton | $524 | $749 | $1,360 | $2,082 | $2,985 |
| Bittinger | $1,045 | $1,150 | $1,587 | $1,962 | $3,294 |
| Bloomington | $451 | $625 | $925 | $1,188 | $1,365 |
| Friendsville | $545 | $845 | $1,363 | $1,928 | $2,781 |
| Frostburg | $769 | $1,107 | $1,611 | $2,159 | $2,989 |
| Grantsville | $600 | $998 | $1,471 | $2,069 | $2,939 |
| Kitzmiller | $305 | $422 | $580 | $948 | $1,445 |
| Lonaconing | $756 | $1,085 | $1,689 | $2,501 | $3,116 |
| Mc Henry | $1,724 | $3,106 | $5,009 | $8,495 | $11,879 |
| Oakland | $738 | $1,286 | $2,036 | $3,913 | $7,935 |
| Swanton | $878 | $1,667 | $3,931 | $7,751 | $12,298 |
| Westernport | $273 | $624 | $1,191 | $1,541 | $2,156 |
| Deer Park | N/A | N/A | N/A | N/A | N/A |
| Mchenry | 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 | |
|---|---|
| Garrett Tax Assessor | |
| Website | sdat.dat.maryland.gov |