Property Taxes in Charlotte Hall, Maryland
Median Charlotte Hall, Maryland effective property tax rate: 1.10%, significantly lower than the national median of 1.02%, and lower than the Maryland state median of 1.21%.
Median Charlotte Hall, Maryland home value: $314,550
Median annual Charlotte Hall, Maryland tax bill: $3,365, higher than the national median property tax bill of $2,400.
How are property taxes in St. Mary's calculated?
Property taxes in Charlotte Hall, 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 Charlotte Hall's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Charlotte Hall, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Charlotte Hall Property Tax Calculator Work?
Use this Charlotte Hall property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Charlotte Hall's median effective tax rate of 1.10% — based on actual property records in St. Mary's County — to generate your estimate.
Enter your property's estimated assessed value — the figure used to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Charlotte Hall'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 Charlotte Hall: rates are 3365.00 in 20622, 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 Charlotte Hall.
About Charlotte Hall Property Taxes
About Property Taxes in Charlotte Hall, St. Mary's, Maryland
Charlotte Hall's median effective property tax rate of 1.10% 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 Charlotte Hall. Homeowners in the 20622 ZIP code carry a median effective rate of 1.10%, while those in the same ZIP code pay 1.10%. This spread — 0.00 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 Charlotte Hall you live in can make a meaningful difference to your annual tax bill.
Charlotte Hall 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 Charlotte Hall, 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 Charlotte Hall'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 Charlotte Hall Tax Rate
1.10%
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
1.27%
Property Tax Rates Across Charlotte Hall, St. Mary's County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20622 | 0.99% | 1.06% | 1.10% | 1.12% | 1.13% |
Source: Ownwell
Property Tax Assessment Values Across Charlotte Hall, St. Mary's County, Maryland
When examining property taxes in Charlotte Hall, 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 appraisal district 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. 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 Charlotte Hall.
For example, the median home price in Charlotte Hall is $314,550, with tax bills ranging significantly across the county. 20622 has the highest median home price at $314,550.
Property Tax Assessment Values Across Charlotte Hall, St. Mary's County, Maryland
Source: Ownwell
$243,700
$385,275
$526,850
Median Charlotte Hall Market Value
$314,550
Median St. Mary's County Market Value
$332,600
Median Maryland Market Value
$338,400
Median United States Market Value
$274,101
Property Tax Assessment Values Across Charlotte Hall, St. Mary's County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20622 | $221,390 | $265,800 | $314,550 | $367,975 | $432,570 |
Source: Ownwell
Property Tax Bills Across Charlotte Hall, St. Mary's County, Maryland
Property tax bills in Charlotte Hall are calculated by applying the local tax rate to a home’s assessed market value. The assessed value is based on what the property is worth, not what the owner originally paid, and it can change as market conditions shift. For a home with a median price of $314,550, the tax bill reflects how local assessments and rates work together to determine the amount due.
Several factors affect the final bill, including the property’s assessed value, the tax rate set by local governments, and any exemptions or credits a homeowner may qualify for. In St. Mary's County, the median property tax bill is $3,365, which is higher than the national median property tax bill of $2,400. That means homeowners in Charlotte Hall often face a larger annual tax burden than the typical U.S. homeowner.
For many homeowners, a higher property tax bill can affect monthly housing costs and long-term affordability.
Property Tax Bills Across Charlotte Hall, St. Mary's County, Maryland
Source: Ownwell
$2,626
$3,873
$5,119
Median Charlotte Hall Tax Bill
$3,365
Median St. Mary's County Tax Bill
$3,276
Median Maryland Tax Bill
$4,092
Median United States Tax Bill
$3,209
Property Tax Bills Across Charlotte Hall, St. Mary's County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20622 | $2,434 | $2,918 | $3,365 | $3,912 | $4,634 |
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 |