Property Taxes in Clements, Maryland
Median Clements, 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 Clements, Maryland home value: $336,500
Median annual Clements, Maryland tax bill: $3,523, higher than the national median property tax bill of $2,400.
How are property taxes in St. Mary's calculated?
Property taxes in Clements, 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 Clements's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Clements, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Clements Property Tax Calculator Work?
Use this Clements property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Clements' 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 the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Clements' 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 Clements: rates range from 3523.00 in 20624 to 3523.00 in 20624, 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 Clements.
About Clements Property Taxes
About Property Taxes in Clements, St. Mary's, Maryland
Clements’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 Clements. Homeowners in ZIP code 20624 carry a median effective rate of 1.10%, and the same ZIP also reflects the city’s median tax bill of $3,523 on a median home price of $336,500. Understanding how assessed value and local taxing districts affect your bill can make a meaningful difference to your annual property taxes.
Clements homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the February 13, 2026 deadline each year.
If your estimated bill 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 Clements, 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 Clements'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 Clements 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 Clements, St. Mary's County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20624 | 0.95% | 1.03% | 1.10% | 1.12% | 1.14% |
Source: Ownwell
Property Tax Assessment Values Across Clements, St. Mary's County, Maryland
When examining property taxes in Clements, 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 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 Clements.
For example, the median home price in Clements is $336,500, with tax bills ranging significantly across the county. 20624 has the highest median home price at $336,500.
Property Tax Assessment Values Across Clements, St. Mary's County, Maryland
Source: Ownwell
$243,700
$385,275
$526,850
Median Clements Market Value
$336,500
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 Clements, St. Mary's County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20624 | $201,920 | $274,525 | $336,500 | $423,075 | $549,000 |
Source: Ownwell
Property Tax Bills Across Clements, St. Mary's County, Maryland
Property tax bills in Clements are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. For a home with a median price of $336,500, the resulting tax bill reflects how local assessments and tax rates work together to determine what homeowners owe each year.
Several factors affect the final bill, including the home’s assessed value, the tax rate set by local governments, and any exemptions or adjustments that may apply. In Clements, the median property tax bill is $3,523, which is above the national median property tax bill of $2,400 and higher than the national median property tax rate of 1.02%.
For homeowners, this means property taxes can be a meaningful part of annual housing costs. Bills in the area commonly range from $2,835 at the 25th percentile to $4,462 at the 75th percentile, with the 90th percentile reaching $5,591.
Median Clements Tax Bill
$3,523
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 Clements, St. Mary's County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20624 | $2,061 | $2,835 | $3,523 | $4,462 | $5,591 |
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 |