Frostburg, Garrett County, Maryland Property Taxes

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Property Taxes in Frostburg, Maryland

Median Frostburg, Maryland effective property tax rate: 1.20%, significantly lower than the national median of 1.02%, and slightly lower than the Maryland state median of 1.21%.
Median Frostburg, Maryland home value: $135,400
Median annual Frostburg, Maryland tax bill: $1,611, lower than the national median property tax bill of $2,400.

How are property taxes in Garrett calculated?

Property taxes in Frostburg, 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 Frostburg's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Frostburg, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Frostburg, Garrett County, Maryland Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.2%

Estimate Property Tax Bill

$1,625

$1,508

How Does the Frostburg Property Tax Calculator Work?

Use this Frostburg property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Frostburg's median effective tax rate of 1.20% — based on actual property records in Garrett 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 Frostburg'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 Frostburg: rates range from 1.20% in 21532 to 1.20% in 21532, 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 Frostburg.

About Frostburg Property Taxes

About Property Taxes in Frostburg, Garrett, Maryland

Frostburg's median effective property tax rate of 1.20% is higher than the Maryland state median of 1.21% and lower than the national median of 1.02%. This rate reflects the Garrett 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 Frostburg. Homeowners in the 21532 ZIP code carry a median effective rate of 1.20%, while those in the same ZIP also pay 1.20%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Garrett County. Understanding which part of Frostburg you live in can make a meaningful difference to your annual tax bill.

Frostburg 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 Frostburg, Garrett 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 Frostburg's effective property tax rate to other cities in Maryland and the median property tax rates in Maryland and the U.S.

Property Tax Rates Across Frostburg, Garrett County, Maryland

Source: Ownwell

0.96%

1.18%

1.41%

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 Frostburg Tax Rate

1.20%

Median Effective Garrett County Tax Rate

1.09%

Median Effective Maryland Tax Rate

1.21%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Frostburg, Garrett County, Maryland

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
21532	1.17%	1.18%	1.20%	1.22%	1.25%

Source: Ownwell

Property Tax Assessment Values Across Frostburg, Garrett County, Maryland

When examining property taxes in Frostburg, 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 Garrett 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 Garrett County, assessment notices are sent in December 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. 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 Frostburg.

For example, the median home price in Frostburg is $135,400, with tax bills ranging significantly across the county. 21532 has the highest median home price at $135,400.

Property Tax Assessment Values Across Frostburg, Garrett County, Maryland

Source: Ownwell

$41,000

$289,400

$537,800

Median Frostburg Market Value

$135,400

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 Frostburg, Garrett County, Maryland

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
21532	$61,740	$91,100	$135,400	$181,100	$256,240

Source: Ownwell

Property Tax Bills Across Frostburg, Garrett County, Maryland

Property tax bills in Frostburg 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 the bill, and it can change when a home’s market value rises or falls. For homeowners, that means a higher assessed value can lead to a higher tax bill, while a lower assessed value can reduce what is owed.

In Frostburg, the median home price is $135,400, and the median property tax bill is $1,611. Bills can vary widely, with the 25th percentile at $1,107 and the 75th percentile at $2,159. At the high end, the 90th percentile reaches $2,989, showing how much taxes can differ from one homeowner to another. Compared with the national median property tax rate of 1.02% and the national median property tax bill of $2,400, Frostburg homeowners often see a different tax burden depending on their property’s assessed value.

Property Tax Bills Across Frostburg, Garrett County, Maryland

Source: Ownwell

$580

$2,795

$5,009

Median Frostburg Tax Bill

$1,611

Median Garrett County Tax Bill

$2,092

Median Maryland Tax Bill

$4,092

Median United States Tax Bill

$2,400

Property Tax Bills Across Frostburg, Garrett County, Maryland

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
21532	$769	$1,107	$1,611	$2,159	$2,989

Source: Ownwell

Don't miss the deadline to appeal!

Dates
Appeal Deadline	February 13

Links
Garrett Tax Assessor
Website	sdat.dat.maryland.gov

Frequently Asked Property Tax Questions in Frostburg, Maryland

How are property taxes calculated in Frostburg, Maryland?

Property taxes in Frostburg, Maryland are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.

How do I appeal my property taxes in Frostburg, Maryland?

To appeal your property taxes in Frostburg, Maryland, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.

What property tax exemptions are available in Frostburg, Maryland?

Common property tax exemptions in Frostburg, Maryland include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.

When are property taxes due in Frostburg, Maryland?

Property tax deadlines in Frostburg, Maryland vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.

How can Ownwell help reduce my property taxes in Frostburg, Maryland?

Ownwell provides professional property tax appeal services in Frostburg, Maryland. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.