Chaptico, St. Mary's County, Maryland Property Taxes
Property Taxes in Chaptico, Maryland
Median Chaptico, Maryland effective property tax rate: 1.12%, significantly higher than the national median of 1.02%, and higher than the Maryland state median of 1.21%.
Median Chaptico, Maryland home value: $280,300
Median annual Chaptico, Maryland tax bill: $2,955, $555 higher than the national median property tax bill of $2,400.
How are property taxes in St. Mary's calculated?
Property taxes in Chaptico, 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 Chaptico's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Chaptico, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Chaptico, St. Mary's County, Maryland Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.12%
Estimate Property Tax Bill
$3,139
$2,913
How Does the Chaptico Property Tax Calculator Work?
Use this Chaptico property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Chaptico's median effective tax rate of 1.12% — 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 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 Chaptico'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 Chaptico: rates range from 2955.00 in 20621 to 2955.00 in 20621, 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 Chaptico.
About Chaptico Property Taxes
About Property Taxes in Chaptico, St. Mary's, Maryland
Chaptico’s median effective property tax rate of 1.12% 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 Chaptico. Homeowners in the 20621 ZIP code carry a median effective rate of 1.12%, while those in 20621 pay 1.12%. This spread — 0 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across St. Mary's County. Understanding which part of Chaptico you live in can make a meaningful difference to your annual tax bill.
Chaptico homeowners who believe their assessed value is too high can file a formal appeal with the local 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 Chaptico, 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 Chaptico'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 Chaptico Tax Rate
1.12%
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 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 Chaptico, St. Mary's County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20621 | 1.00% | 1.09% | 1.12% | 1.16% | 1.20% |
Source: Ownwell
Property Tax Assessment Values Across Chaptico, St. Mary's County, Maryland
When examining property taxes in Chaptico, 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 Chaptico is $280,300, with a median property tax bill of $2,955. Tax bills range from $1,931 at the 25th percentile to $5,354 at the 90th percentile.
Property Tax Assessment Values Across Chaptico, St. Mary's County, Maryland
Source: Ownwell
$243,700
$385,275
$526,850
Median Chaptico Market Value
$280,300
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 Chaptico, St. Mary's County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20621 | $119,300 | $172,400 | $280,300 | $371,800 | $490,260 |
Source: Ownwell
Property Tax Bills Across Chaptico, St. Mary's County, Maryland
Property tax bills in Chaptico are calculated by applying the local tax rate to a home’s assessed market value, which is based on what the property is worth. For homeowners, the bill is shaped by the home’s value, the county’s tax rate, and any exemptions or adjustments that may apply. With a median home price of $280,300, property taxes can vary widely from one household to another.
In St. Mary’s County, the median tax bill is $2,955, which is above the national median property tax bill of $2,400. That means many homeowners in Chaptico pay more than the typical U.S. homeowner, especially when their assessed value is higher or when local rates are less favorable. Bills at the 25th percentile are $1,931, while the 75th percentile reaches $4,005 and the 90th percentile climbs to $5,354. These differences show how property taxes can have a meaningful impact on monthly budgets and long-term housing costs.
Median Chaptico Tax Bill
$2,955
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 Chaptico, St. Mary's County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20621 | $1,407 | $1,931 | $2,955 | $4,005 | $5,354 |
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 |