Callaway, St. Mary's County, Maryland Property Taxes

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Property Taxes in Callaway, Maryland

Median Callaway, Maryland effective property tax rate: 1.03%, significantly lower than the national median of 1.02%, and lower than the Maryland state median of 1.21%.
Median Callaway, Maryland home value: $323,650
Median annual Callaway, Maryland tax bill: $3,311, higher than the national median property tax bill of $2,400.

How are property taxes in St. Mary's calculated?

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

Last Updated April 13, 2026

Callaway, St. Mary's County, Maryland Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.03%

Estimate Property Tax Bill

$3,334

$3,093

How Does the Callaway Property Tax Calculator Work?

Use this Callaway property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Callaway's median effective tax rate of 1.03% — based on actual property records in St. Mary's County — to generate your estimate.

Enter your property's estimated assessed value — the figure the local assessment system uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Callaway'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 Callaway: rates are 3311.00 in 20620, primarily due to differences in school district levies and local assessment districts. Callaway's median effective tax rate is higher than the Maryland median tax rate of 1.21%, and the median tax bill is $3311, which is $911 higher than the state median tax bill.

For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Callaway.

About Callaway Property Taxes

About Property Taxes in Callaway, St. Mary's, Maryland

Callaway’s median effective property tax rate of 1.03% is lower than the Maryland state median of 1.21% and higher than the national median of 1.02%. This rate reflects the St. Mary's 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 Callaway. Homeowners in the 20620 ZIP code carry a median effective rate of 1.03%, while those in the same ZIP code also pay 1.03%. This reflects how school district boundaries and local assessment districts are drawn across St. Mary's County. Understanding which part of Callaway you live in can make a meaningful difference to your annual tax bill.

Callaway 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 Callaway, St. Mary's 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 Callaway'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 Callaway, St. Mary's County, Maryland

Source: Ownwell

0.91%

1.02%

1.13%

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 Callaway Tax Rate

1.03%

Median Effective St. Mary's County Tax Rate

1.00%

Median Effective Maryland Tax Rate

1.21%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Callaway, St. Mary's County, Maryland

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
20620	0.95%	0.99%	1.03%	1.07%	1.12%

Source: Ownwell

Property Tax Assessment Values Across Callaway, St. Mary's County, Maryland

When examining property taxes in Callaway, 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 St. Mary's 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 St. Mary's 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. For example, the median home price in Callaway is $323,650, with a median tax bill of $3,311. Tax bills range from $2,073 at the 25th percentile to $4,043 at the 75th percentile and $4,793 at the 90th percentile. The zip code 20620 has the highest median home price at $323,650.

Property Tax Assessment Values Across Callaway, St. Mary's County, Maryland

Source: Ownwell

$243,700

$385,275

$526,850

Median Callaway Market Value

$323,650

Median St. Mary's County Market Value

$332,600

Median Maryland Market Value

$338,400

Median United States Market Value

$235,294

Property Tax Assessment Values Across Callaway, St. Mary's County, Maryland

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
20620	$166,890	$199,250	$323,650	$405,625	$485,140

Source: Ownwell

Property Tax Bills Across Callaway, St. Mary's County, Maryland

Property tax bills in Callaway are based on the assessed value of a home, not the market price alone. Local tax rates are applied to that assessed value to determine the amount a homeowner owes each year. In St. Mary's County, the median home price is $323,650, and the median property tax bill is $3,311, which is above the national median property tax bill of $2,400.

Several factors can affect the final bill, including the home’s assessed value, the local tax rate, and any exemptions or special assessments that may apply. Homes with higher assessed values generally face higher bills, while properties with lower assessments may owe less.

For homeowners, this means property taxes can have a meaningful impact on annual housing costs. In Callaway, bills can vary widely, with the 25th percentile at $2,073 and the 75th percentile at $4,043. That range shows how differences in assessed value and local taxation can lead to very different tax obligations from one home to another.

Property Tax Bills Across Callaway, St. Mary's County, Maryland

Source: Ownwell

$2,626

$3,873

$5,119

Median Callaway Tax Bill

$3,311

Median St. Mary's County Tax Bill

$3,276

Median Maryland Tax Bill

$4,092

Median United States Tax Bill

$2,400

Property Tax Bills Across Callaway, St. Mary's County, Maryland

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
20620	$1,754	$2,073	$3,311	$4,043	$4,793

Source: Ownwell

Don't miss the deadline to appeal!

Dates
Appeal Deadline	February 13

Links
St. Mary's Tax Assessor
Website	sdat.dat.maryland.gov

Frequently Asked Property Tax Questions in Callaway, Maryland

How are property taxes calculated in Callaway, Maryland?

Property taxes in Callaway, 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 Callaway, Maryland?

To appeal your property taxes in Callaway, 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 Callaway, Maryland?

Common property tax exemptions in Callaway, 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 Callaway, Maryland?

Property tax deadlines in Callaway, 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 Callaway, Maryland?

Ownwell provides professional property tax appeal services in Callaway, 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.