Property Taxes in Saint Marys City, Maryland
Median Saint Marys City, Maryland effective property tax rate: 0.97%, significantly lower than the national median of 1.02%, and lower than the Maryland state median of 1.21%.
Median Saint Marys City, Maryland home value: $415,500
Median annual Saint Marys City, Maryland tax bill: $4,052, $1,652 higher than the national median property tax bill of $2,400.
How are property taxes in St. Mary's calculated?
Property taxes in Saint Marys City, 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 Saint Marys City's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Saint Marys City, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Saint Marys City Property Tax Calculator Work?
Use this Saint Marys City property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Saint Marys City's median effective tax rate of 0.97% — 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 Saint Marys City's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Saint Marys City's median property tax bill is $4,052, which is higher than the Maryland median bill by $1,652 and lower than the state median tax rate of 1.21%. Your bill may vary by ZIP code within Saint Marys City, but the median tax bill is $4,052 in 20686.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Saint Marys City.
About Saint Marys City Property Taxes
About Property Taxes in Saint Marys City, St. Mary's, Maryland
Saint Marys City's median effective property tax rate of 0.97% is lower than the Maryland state median of 1.21% and lower 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 Saint Marys City. Homeowners in the 20686 ZIP code carry a median effective rate of 0.97%, while those in 20686 pay 0.97%. 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 Saint Marys City you live in can make a meaningful difference to your annual tax bill.
Saint Marys City 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 Saint Marys City, 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 Saint Marys City'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 Saint Marys City, 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 Saint Marys City Tax Rate
0.97%
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 Saint Marys City, St. Mary's County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20686 | 0.86% | 0.93% | 0.97% | 1.01% | 1.04% |
Source: Ownwell
Property Tax Assessment Values Across Saint Marys City, St. Mary's County, Maryland
When examining property taxes in Saint Marys City, 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. For Saint Marys City, the median home price is $415,500, and the median tax bill is $4,052, compared with the national median property tax bill of $2,400. The highest median home price is found in zip code 20686.
Property Tax Assessment Values Across Saint Marys City, St. Mary's County, Maryland
Source: Ownwell
$243,700
$385,275
$526,850
Median Saint Marys City Market Value
$415,500
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 Saint Marys City, St. Mary's County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20686 | $232,800 | $346,050 | $415,500 | $475,000 | $522,800 |
Source: Ownwell
Property Tax Bills Across Saint Marys City, St. Mary's County, Maryland
Property tax bills in Saint Marys City are based on the assessed value of a home, not its market price alone. Local tax rates are applied to that assessment to determine the final bill, so two homes with similar market values can still owe different amounts if their assessed values or tax rates differ. In Saint Marys, the median home price is $415,500, and the median property tax bill is $4,052 in ZIP code 20686.
Several factors can affect what homeowners pay, including the home’s assessed value, local tax rates, and any exemptions or adjustments that may apply. Bills in the area range from $3,085 at the 25th percentile to $4,959 at the 90th percentile, showing how much property taxes can vary from one homeowner to another.
For many homeowners, a higher assessment can mean a larger annual tax bill, even if the home has not been sold. That is why understanding how the bill is calculated is important for budgeting and for spotting potential savings.
Property Tax Bills Across Saint Marys City, St. Mary's County, Maryland
Source: Ownwell
$2,626
$3,873
$5,119
Median Saint Marys City Tax Bill
$4,052
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 Saint Marys City, St. Mary's County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20686 | $2,419 | $3,085 | $4,052 | $4,368 | $4,959 |
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 |